Resume
Cynthia J. McGregor
246 Shady Lane Colchester, VT 05446
------------ ? Email: M------------
CAREER OBJECTIVE
To obtain a full-time position that will enable me to contribute to the overall success of the organization by using the skills that I have learned through my work experience as well as to learn new things that will help me reach the top of my profession.
WORK EXPERIENCE
Mimi�s Lots of Lovin Daycare, Colchester VT Dec 2013 � June 22, 2019
Owner/Operator
Opened and maintained a registered daycare in compliance with federal and state laws.
� Obtaining Level 1 for Early Childhood Professionals
� Consistently exceed continuing education credit hours.
� Compliance with federal and state reporting requirements including business tax reporting.
� Developed written policies and procedures for all aspects of the business in compliance with state requirements.
� Developed written documents and agreements necessary to satisfy state rules and regulations and mitigate risk.
� Analyze and keep records of children's growth, development and behavior.
� Decision-making and problem-solving techniques.
� Instructional and interpersonal skills. Developed relationships with parents and updated them on their child's progress
� Abundance of patience and ability to multi-task.
� Computer literacy
TD Bank, N.A., Burlington VT Sept 2009 � July 2013
Wealth Compliance Specialist III
Responsible for supporting compliance functions for TD Bank�s US Wealth Division and supporting the development, implementation, and maintenance of a regulatory compliance program through monitoring and testing activities across the Trust and Private Investment Counsel business lines, which includes Private Trust, Corporate Trust, Retirement Trust, Captive Insurance, and Investment Management.
� Designed and performed business line testing of regulatory requirements and company policies in order to identify emerging risk areas, including testing of Customer Identification Program (CIP) in over 5,000 accounts. Reported results of testing to management.
� Provided guidance and subject matter expertise to facilitate appropriate and effective compliance with the governing legal agreement, federal and state relevant laws, regulations and with bank policies and procedures.
� Coordinated with internal operational groups to implement any needed compliance changes.
� Strong written and verbal communication skills including a demonstrated ability to clearly provide written reports that accurately identify and quantify risk as well as present sound solutions considering Bank operations and culture.
� Identified training needs and participated in the development and the delivery of the training materials to business line staff.
� Analyzed complex agreements and regulations and related laws to operational procedures, company policies, and industry trends.
� Designed and successfully implemented New Account Administrative Review for all PIC/Trust account types.
� Assisted with the preparation and review of materials gathered for regulatory exams/audits as well as legal summons.
� Member of the Policy and Procedure Enhancement Committee whose responsibilities included review, update and reformat all existing TD Wealth USA policies and procedures.
� Served on the Vermont Bar Association Committee for the drafting of modernization of the Vermont Uniform Trust code which was enacted into law in 2009. This act modernized and codified the laws governing testamentary and inter vivos trusts.
� Oversight and review of all potential OFAC customers.
� Liaison for the reporting to senior management customer complaints and monitoring them until resolution.
TD Bank, N.A., Burlington VT 1986 - Sept 2009
Wealth Administration � Trust Advisor II
24 years experience in wealth management services, including estate planning strategies and taxation, successful wealth transfer, fiduciary duties and responsibilities, charitable and personal gifting strategies, educational funding, special needs planning, retirement planning, and portfolio/risk management
� Lead the development and implementation of training for determination of Generation Skipping Transfer Tax Issues as well as Marital Deduction Formulas. Remained a subject matter expert in the said fields.
� Managed and retained complex account relationships including trusts, estates, personal retirement, investment management and custody accounts in accordance with applicable laws, regulations, internal policies as well as the goals and objectives of the client.
� In-depth knowledge of trust, personal and fiduciary taxation, investment management and related areas including fiduciary accounting, charitable gifting strategies, real estate, estate planning and estate settlement.
� Interpret Wills, Trusts and other legal documents balancing demands of customers with the business risk. Ensured accounts complied with their governing legal document/agreement as well as with company policies and procedures
� Met with clients and related professional advisors to determine financial needs, goals and objectives in order to create financial strategies and plans in relation to estate planning, gifting and tax matters.
� Successfully grew book of business through identifying and acquiring client assets held outside of the organization and developing additional business through referrals to our business partners.
� Developed internal and external business networks for the purposes of generating new business opportunities.
� Recruited, trained, coached, and conducted performance assessments for staff.
� Served on the Fiduciary Risk Committee whose responsibilities were to manage and monitor risks for the organization.
� Served on the Regional Trust Account Committee whose responsibilities included review and approval of new accounts and discretionary actions.
� Maintained high level of customer contact and support to internal partners, staff, account owners and beneficiaries, attorneys, accounts and other professional service providers as needed to service department clients and mitigate risk.
TD Bank, N.A., Burlington VT Aug 1982 - 1986
Teller & Senior Training Teller
Processed deposits, transfers, withdrawals, and other transactions in accordance with established policies and procedures while continuously aware of fraud loss and check cashing guidelines as well as all security and transaction documentation requirements. Also responsible for the security of assigned cash which must be maintained and balanced within established guidelines
� Accurately and efficiently processed customer transactions within established policies and procedures.
� Successfully identified and referred sales opportunities to business partners.
� Delivered quality customer experience
� Delivered �on-the-job� training for new tellers.
� Resolved problems or discrepancies concerning customers' accounts
� Monitored bank vault and staff drawers to ensure cash balances were accurate.
Additional Qualifications
� Proficient in Microsoft Office applications, Adobe Acrobat, Joshua Imaging System, FIS (TrustDesk), and Portico.
� In depth knowledge of Federal Fiduciary Tax Laws, OCC, CFPB Regulations including Regulation O, 9 , 12 , Gramm Leach Bliley Act, Dodd-Frank Wall Street Reform and Consumer Protection Act, Sarbanes�Oxley Act and regulations applicable to money laundering, including the Bank Secrecy Act, The USA PATRIOT Act, US Treasury AML/BSA guidelines, OFAC requirements and Suspicious Activity.
� Ability to develop and maintain strong internal and external business relationships
� Dedicated and dependable team player that delivers efficient, practical and top-quality work.
� Excellent research and analytical skills with the ability to assess risk, recognize and react to discrepancies, maximize resources and develop strategies.
� Ability to read, analyze, and interpret government rules, regulations, and legal documents.
� Ability to work independently, prioritize issues/projects and multi-task.
PROFESSIONAL
� State of Vermont 2009 - 2012
Member of the Vermont Bankers Association and Vermont Bar Association committee to modernize the Vermont Uniform Principal and Income Act which was successfully enacted into the General Assembly of the State of Vermont in May 2012
� Member of Vermont Bankers Association Trust Committee. 2006 - 2008
� Recipient of Banknorth Excellence Award. 2002
SPECIALIZED TRAINING AND EDUCATION
The Institute of Certified Bankers Certified Trust and Financial Advisor (C.T.F.A.) designation
Cannon Financial Institute Graduate Trust School I, II and III
TD Wealth Global Compliance & TD University FACTA Compliance; AML/BSA Awareness and Compliance Training; Compliance Intelligence Application (CIA); Compliance Approval Process (CAP), Social Media Compliance; Regulation GG � Unlawful Internet Gambling Enforcement Act
Ascensus Fall Forum Retirement Plan Lifetime Distribution Options; Final QDRO Regulations; Plan Investments; EGTRRA Restatement and Deadlines; Conducting Your Own IRA Compliance Audit; Fiduciary Issues and Fee Disclosures; Handling Legal Issues; Moving Retirement Assets;
American Bankers Association Issues in Funding Marital Trusts; Uses, Abuses & Misuses of Crummey Power Trusts; Use & Abuse of Discretionary Power; Post-Mortem Issues (Succeeding at Audit); Trends in Fiduciary Litigation
REFERENCES
Sandy Kidwell � 2 Iris Street, Essex Junction, VT 05452
Phone:------------
Kim Dessormeau � 114 Norway Drive, Colchester VT 05446
Phone:------------ Email: K------------
Kim Fowler � Greenville, SC
VP Wealth Compliance Manager at TD Bank
Phone:------------ Email: K------------
Buffy Bonagura � 308 Sandown Road, Fremont, NH 03044-3316
Phone:------------ Email: N------------
Cynthia J. McGregor
246 Shady Lane Colchester, VT 05446
------------ ? Email: M------------
CAREER OBJECTIVE
To obtain a full-time position that will enable me to contribute to the overall success of the organization by using the skills that I have learned through my work experience as well as to learn new things that will help me reach the top of my profession.
WORK EXPERIENCE
Mimi�s Lots of Lovin Daycare, Colchester VT Dec 2013 � June 22, 2019
Owner/Operator
Opened and maintained a registered daycare in compliance with federal and state laws.
� Obtaining Level 1 for Early Childhood Professionals
� Consistently exceed continuing education credit hours.
� Compliance with federal and state reporting requirements including business tax reporting.
� Developed written policies and procedures for all aspects of the business in compliance with state requirements.
� Developed written documents and agreements necessary to satisfy state rules and regulations and mitigate risk.
� Analyze and keep records of children's growth, development and behavior.
� Decision-making and problem-solving techniques.
� Instructional and interpersonal skills. Developed relationships with parents and updated them on their child's progress
� Abundance of patience and ability to multi-task.
� Computer literacy
TD Bank, N.A., Burlington VT Sept 2009 � July 2013
Wealth Compliance Specialist III
Responsible for supporting compliance functions for TD Bank�s US Wealth Division and supporting the development, implementation, and maintenance of a regulatory compliance program through monitoring and testing activities across the Trust and Private Investment Counsel business lines, which includes Private Trust, Corporate Trust, Retirement Trust, Captive Insurance, and Investment Management.
� Designed and performed business line testing of regulatory requirements and company policies in order to identify emerging risk areas, including testing of Customer Identification Program (CIP) in over 5,000 accounts. Reported results of testing to management.
� Provided guidance and subject matter expertise to facilitate appropriate and effective compliance with the governing legal agreement, federal and state relevant laws, regulations and with bank policies and procedures.
� Coordinated with internal operational groups to implement any needed compliance changes.
� Strong written and verbal communication skills including a demonstrated ability to clearly provide written reports that accurately identify and quantify risk as well as present sound solutions considering Bank operations and culture.
� Identified training needs and participated in the development and the delivery of the training materials to business line staff.
� Analyzed complex agreements and regulations and related laws to operational procedures, company policies, and industry trends.
� Designed and successfully implemented New Account Administrative Review for all PIC/Trust account types.
� Assisted with the preparation and review of materials gathered for regulatory exams/audits as well as legal summons.
� Member of the Policy and Procedure Enhancement Committee whose responsibilities included review, update and reformat all existing TD Wealth USA policies and procedures.
� Served on the Vermont Bar Association Committee for the drafting of modernization of the Vermont Uniform Trust code which was enacted into law in 2009. This act modernized and codified the laws governing testamentary and inter vivos trusts.
� Oversight and review of all potential OFAC customers.
� Liaison for the reporting to senior management customer complaints and monitoring them until resolution.
TD Bank, N.A., Burlington VT 1986 - Sept 2009
Wealth Administration � Trust Advisor II
24 years experience in wealth management services, including estate planning strategies and taxation, successful wealth transfer, fiduciary duties and responsibilities, charitable and personal gifting strategies, educational funding, special needs planning, retirement planning, and portfolio/risk management
� Lead the development and implementation of training for determination of Generation Skipping Transfer Tax Issues as well as Marital Deduction Formulas. Remained a subject matter expert in the said fields.
� Managed and retained complex account relationships including trusts, estates, personal retirement, investment management and custody accounts in accordance with applicable laws, regulations, internal policies as well as the goals and objectives of the client.
� In-depth knowledge of trust, personal and fiduciary taxation, investment management and related areas including fiduciary accounting, charitable gifting strategies, real estate, estate planning and estate settlement.
� Interpret Wills, Trusts and other legal documents balancing demands of customers with the business risk. Ensured accounts complied with their governing legal document/agreement as well as with company policies and procedures
� Met with clients and related professional advisors to determine financial needs, goals and objectives in order to create financial strategies and plans in relation to estate planning, gifting and tax matters.
� Successfully grew book of business through identifying and acquiring client assets held outside of the organization and developing additional business through referrals to our business partners.
� Developed internal and external business networks for the purposes of generating new business opportunities.
� Recruited, trained, coached, and conducted performance assessments for staff.
� Served on the Fiduciary Risk Committee whose responsibilities were to manage and monitor risks for the organization.
� Served on the Regional Trust Account Committee whose responsibilities included review and approval of new accounts and discretionary actions.
� Maintained high level of customer contact and support to internal partners, staff, account owners and beneficiaries, attorneys, accounts and other professional service providers as needed to service department clients and mitigate risk.
TD Bank, N.A., Burlington VT Aug 1982 - 1986
Teller & Senior Training Teller
Processed deposits, transfers, withdrawals, and other transactions in accordance with established policies and procedures while continuously aware of fraud loss and check cashing guidelines as well as all security and transaction documentation requirements. Also responsible for the security of assigned cash which must be maintained and balanced within established guidelines
� Accurately and efficiently processed customer transactions within established policies and procedures.
� Successfully identified and referred sales opportunities to business partners.
� Delivered quality customer experience
� Delivered �on-the-job� training for new tellers.
� Resolved problems or discrepancies concerning customers' accounts
� Monitored bank vault and staff drawers to ensure cash balances were accurate.
Additional Qualifications
� Proficient in Microsoft Office applications, Adobe Acrobat, Joshua Imaging System, FIS (TrustDesk), and Portico.
� In depth knowledge of Federal Fiduciary Tax Laws, OCC, CFPB Regulations including Regulation O, 9 , 12 , Gramm Leach Bliley Act, Dodd-Frank Wall Street Reform and Consumer Protection Act, Sarbanes�Oxley Act and regulations applicable to money laundering, including the Bank Secrecy Act, The USA PATRIOT Act, US Treasury AML/BSA guidelines, OFAC requirements and Suspicious Activity.
� Ability to develop and maintain strong internal and external business relationships
� Dedicated and dependable team player that delivers efficient, practical and top-quality work.
� Excellent research and analytical skills with the ability to assess risk, recognize and react to discrepancies, maximize resources and develop strategies.
� Ability to read, analyze, and interpret government rules, regulations, and legal documents.
� Ability to work independently, prioritize issues/projects and multi-task.
PROFESSIONAL
� State of Vermont 2009 - 2012
Member of the Vermont Bankers Association and Vermont Bar Association committee to modernize the Vermont Uniform Principal and Income Act which was successfully enacted into the General Assembly of the State of Vermont in May 2012
� Member of Vermont Bankers Association Trust Committee. 2006 - 2008
� Recipient of Banknorth Excellence Award. 2002
SPECIALIZED TRAINING AND EDUCATION
The Institute of Certified Bankers Certified Trust and Financial Advisor (C.T.F.A.) designation
Cannon Financial Institute Graduate Trust School I, II and III
TD Wealth Global Compliance & TD University FACTA Compliance; AML/BSA Awareness and Compliance Training; Compliance Intelligence Application (CIA); Compliance Approval Process (CAP), Social Media Compliance; Regulation GG � Unlawful Internet Gambling Enforcement Act
Ascensus Fall Forum Retirement Plan Lifetime Distribution Options; Final QDRO Regulations; Plan Investments; EGTRRA Restatement and Deadlines; Conducting Your Own IRA Compliance Audit; Fiduciary Issues and Fee Disclosures; Handling Legal Issues; Moving Retirement Assets;
American Bankers Association Issues in Funding Marital Trusts; Uses, Abuses & Misuses of Crummey Power Trusts; Use & Abuse of Discretionary Power; Post-Mortem Issues (Succeeding at Audit); Trends in Fiduciary Litigation
REFERENCES
Sandy Kidwell � 2 Iris Street, Essex Junction, VT 05452
Phone:------------
Kim Dessormeau � 114 Norway Drive, Colchester VT 05446
Phone:------------ Email: K------------
Kim Fowler � Greenville, SC
VP Wealth Compliance Manager at TD Bank
Phone:------------ Email: K------------
Buffy Bonagura � 308 Sandown Road, Fremont, NH 03044-3316
Phone:------------ Email: N------------