Compliance Reviewer with more than 12 years of business experience across industries. Demonstrated proficiency in ensuring that major financial institutions maintain compliance with state and federal banking and lending regulations. Accomplished in conducting comprehensive compliance reviews and remediating deficiencies through changes in policies and procedures that deliver cost-savings and increased accuracy. Skilled in educating and training staff on regulatory changes. Well-versed in Dodd-Frank Wall Street Reform and Consumer Protection Act, the Regulatory Home Mortgage Disclosure Act (HMDA), and the Statement of Financial Accounting Standards (SFAS). Key skills encompass: Regulatory Compliance Mortgage Credit Compliance HMDA Policies Risk Management Reports & Documentation TILA/RESPA Fair Credit Lending Laws Requests Quality Assurance Policies & Procedures  Electronic Loans Filing  Relationships

1. JOHNNIE MISTER
Forest Park, IL 60130
708-704-6326 jbmister24@gmail.com
COMPLIANCE SPECIALIST – COMPLIANCE ANALYST
Compliance Reviewer with more than 12 years of business experience across industries.
Demonstrated proficiency in ensuring that major financial institutions maintain compliance with
state and federal banking and lending regulations. Accomplished in conducting comprehensive
compliance reviews and remediating deficiencies through changes in policies and procedures that
deliver cost-savings and increased accuracy. Skilled in educating and training staff on regulatory
changes. Well-versed in Dodd-Frank Wall Street Reform and Consumer Protection Act, the
Regulatory Home Mortgage Disclosure Act (HMDA), and the Statement of Financial Accounting
Standards (SFAS). Key skills encompass:
Regulatory Compliance Mortgage Credit Compliance HMDA Policies
Risk Management Reports & Documentation TILA/RESPA
Fair Credit Lending Laws Requests Quality Assurance
Policies & Procedures  Electronic Loans Filing  Relationships

Technical proficiencies include Word, Excel, PowerPoint, Outlook, SharePoint, Data Analysis,
Netimage, BIC, Active, Impact/Genesis/IBM, Exposure Now, ARC Risk Infrastructure, Eclips, Net
Oxygen, CLT-Credit Lending Laws, CMOA Workstation, PBLOS, Dealwork, LIS, LPS, and Core.
SELECTED PROJECTS
 Integral member of team of 15 reviewers and managers evaluating loan underwriter and
processor notes for 500,000 residential, commercial, construction, and renovation loans.
Determined the disposition accuracy in final Loan Action Requests (LAR) in $5 million, 4-year
look-back project. (Protiviti Consulting Resource/Wells Fargo)
 Secured $10 million net gain for company and 20% reduction in errors in 2014 through
modifications in lines of credit for Individuals, Trusts, and Entities as part of a team of 10.
Implemented changes in processes and procedures to ensure regulatory compliance.
(JPMorgan/KForce Staffing)
 Positioned bank to reduce error ratio by 30% and increase profitability by 40% in $500,000
training project. Conducted advanced training with 100 underwriters, processors, and closing
department staff on all new laws related to state and federal Dodd-Frank changes in the loan
approval for the Fair Lending Application process. (The Private Bank)
 Delivered 20% increase in loan processing as part of team of 25 in reviewing and revising
conventional application documents, in conjunction with 10 operations departments. Followed
guidelines of legal department in developing and implementing changes in content, sections,
and calculations for 1003 application process. (PNC Bank)
 Contributed to 20% increase in new healthcare enrollment during open enrollment periods by
assisting in planning, coordinating, and implementing over 100 health fairs annually, each with
1,000 to 1,500 participants. (Paige Personnel)

2. JOHNNIE MISTER – Page 2
CAREER HIGHLIGHTS
Protiviti Consulting Resource/Wells Fargo, Lombard, IL 2015-Present
Regulatory HMDA Compliance Reviewer
 Exceeded targeted production numbers while maintaining below average error rate in
reviewing HMDA compliance.
JPMorgan/KForce Staffing, Westmont, IL 2014-2015
Commercial Consumer Loan Documentation Specialist
 Teamed with underwriters and lenders in collecting data, verifying documents, reviewing
applications, and remedying discrepancies in commercial mortgage loan applications, adhering
to 48-hour turnarounds.
The Private Bank, Worth, IL 2013
Mortgage Credit Compliance Specialist
 Researched regulatory change requirements at state and federal levels. Implemented and
tracked changes, resolved open audits, wrote rebuttals, and produced FINCEN reports on
suspicious activities to identify customers who might pose a risk for money laundering.
Reviewed audit and collateral credit packages.
PNC Mortgage, Downers Grove, IL 2012
Quality Assurance Analyst
 Analyzed and corrected operating errors in the management of mortgage documents,
processes, and procedures. Ensured accuracy and compliance with user requests and
regulatory guidelines.
Paige Personnel Services, Downers Grove, IL 2009-2011
Administrative / Financial Support
 Coordinated over 200 health fairs, including travel arrangements and event locations.
Administered accounts payable, billings, and collections. Conducted special projects for
Coventry Healthcare.
DeVry University, Chicago, IL 2007-2009
Admission Advisor
 Attained Certificate of Achievement for quality of work with applicants and students.
Prior experience includes Loan Officer, Charter One Bank/CCO Mortgage, Chicago, IL. Achieved
Customer Service Award for providing excellence in customer service. Administered
mortgages for home purchases, refinancing, lines of credit, and new home construction. Handled
bankruptcy and foreclosure procedures. Reviewed bank’s performance under Community
Reinvestment Act.
EDUCATION and ACTIVITIES
Bachelor of Business Administration, Concentration in Marketing
Northeastern Illinois University, Chicago, IL

3. 2-Year Volunteer, My Healthy Veterans Department, Hines VA Veterans Hospital, Hines, IL