Pamela F. Davis
Ellicott City
Summary
Accomplished compliance professional with a strong focus on fair banking risk assessment and compliance monitoring. Proven track record of leading compliance initiatives that drive organizational awareness and regulatory readiness.
Overview
24
24
years of professional experience
1
1
Certification
Work History
VP, Fair Banking & CRA Program Advisor
Atlantic Union Bank
Columbia
04.2025 - Current
- Lead and enhanced second-line Fair Banking and CRA risk identification, assessment, and oversight across supported lines of business.
- Acted as a trusted advisor and provided credible, independent challenge to 1LOD activities, managing compliance risks proactively.
- Improved the effectiveness and accuracy of CRA monitoring, performance tracking, and reporting frameworks.
- Ensuring continuous regulatory compliance readiness and effective management of exams, audits, and compliance issues.
- Strengthening the Compliance Program through policy governance, regulatory expertise, and education.
Sr Regulatory Compliance Officer
Sandy Spring Bank
Columbia
02.2023 - 03.2025
- Oversaw regulatory surveillance and proactive implementation of
regulatory changes, ensuring compliance and mitigating associated risks. - Conducted compliance monitoring and risk assessments, identifying
potential regulatory issues to inform corrective actions. - Delivered compliance guidance and advisory services, enhancing
organizational understanding of regulatory requirements.
Producing Regional Manager
River City Mortgage
Hunt Valley
12.2015 - 02.2023
- Top three producing regional sales manager of a team of regional loan officers with average monthly sales consistently exceeding sales goals. Played an integral role in the expansion of River City Mortgage into a total of 33 states, adding 100 employees in six months and growing revenues from $500m in 2019 to $1.1b in 2020 and beyond.
- Led a Focus Group, tasked with purchasing, implementing and training for new Sharepoint Asset logging and tracking, Salesforce CRM and Calyx Point lending platform.
- Performed sales and compliance training to new and existing mortgage loan officers.
Senior Loan Officer / C-Pro
Carrington Mortgage
Owings Mills
09.2015 - 12.2019
- Ranked among top 20 senior mortgage loan officers, leading team of six loan officers to achieve sales targets.
- Conducted legal, compliance, and sales training for regional teams as C-Pro, enhancing team knowledge and adherence to regulations.
Regulatory Compliance Technical Engineering Leader
Northrop Grumman
Linthicum Heights
04.2014 - 06.2015
- Analyzed and implemented compliance processes for international and domestic substance regulations, ensuring adherence to legal standards.
- Facilitated design and development of compliance procedures, aligning practices with regulatory requirements to mitigate risks.
- Disseminated regulatory requirements to stakeholders, enhancing awareness and understanding of compliance obligations.
- Led audit coordination for specialty metal DFARS regulations and ISO9001.
Compliance Officer
PayPal / Bill Me Later
Timonium
05.2013 - 04.2014
- Led rollout of compliance program for new lending division, encompassing compliance program development plan, regulatory risk assessment, process risk assessments, and monitoring & testing SOPs.
VP, Operations Manager & Compliance Officer
Citi / CitiFinancial / One Main Financial
Baltimore
08.2002 - 09.2012
- Led business operations for $120m Symphony Project, overseeing design, deployment, and implementation of new lending platform, loan application and servicing website, and lead management program.
- Oversaw implementation of CitiFinancial’s remedial measures plan for compliance with FRBNY and OCC Consent Orders, addressing identified weaknesses in mortgage loan servicing, loss mitigation, and foreclosure activities.
- Chaired Events Committee for Citi Women's Network and Volunteer Recruitment Committee for CitiFinancial Volunteerism Network, receiving Presidential Letter of Commendation for contributions to volunteerism.
Education
Bachelor of Science - Business Management
University of Phoenix
Tempe, AZ09-2008
Skills
- Regulatory compliance and exam
management - Compliance monitoring
- Regulatory surveillance
- Fair Banking risk
assessment - Policy and procedure formulation
- CRA framework development
Certification
- Community Reinvestment Act Certified Professional - CRACP
- National Mortgage Licensing System - NMLS #1415591
- CitiUniversity Certified Compliance Manager (Citi's CRCM)
Timeline
VP, Fair Banking & CRA Program Advisor
Atlantic Union Bank
04.2025 - Current
Sr Regulatory Compliance Officer
Sandy Spring Bank
02.2023 - 03.2025
Producing Regional Manager
River City Mortgage
12.2015 - 02.2023
Senior Loan Officer / C-Pro
Carrington Mortgage
09.2015 - 12.2019
Regulatory Compliance Technical Engineering Leader
Northrop Grumman
04.2014 - 06.2015
Compliance Officer
PayPal / Bill Me Later
05.2013 - 04.2014
VP, Operations Manager & Compliance Officer
Citi / CitiFinancial / One Main Financial
08.2002 - 09.2012
Bachelor of Science - Business Management
University of Phoenix