Heather Dowker
Goleta, California,United States
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Heather Dowker is a highly seasoned and meticulous compliance professional with over 15 years of dedicated experience in the financial services industry. As a Certified Regulatory Compliance Manager (CRCM), she possesses a profound understanding of banking regulations, risk management frameworks, and consumer protection laws. Heather excels in developing, implementing, and managing comprehensive compliance programs that ensure adherence to federal and state regulations, including BSA/AML, ECOA, TILA, and UDAAP. She is adept at conducting thorough risk assessments, leading internal audits, developing effective training programs for staff, and interfacing with regulatory bodies. Heather is known for her strategic thinking, problem-solving abilities, and her commitment to fostering a strong culture of compliance within organizations to mitigate risk and support sustainable business growth. Her expertise ensures that financial institutions operate ethically and in full accordance with the ever-evolving regulatory landscape.
Professional Summary
Heather Dowker's work history includes a series of influential roles in various companies. Here is a detailed list of his professional journey:
Notable Achievements
CRCM Certification
Achieved and maintains the prestigious Certified Regulatory Compliance Manager (CRCM) designation, recognized by the financial services industry as a benchmark of excellence for compliance professionals.
Led Successful Regulatory Examination Preparedness
Spearheaded multiple successful regulatory examination cycles (e.g., OCC, CFPB, FDIC) by implementing proactive compliance strategies, resulting in favorable outcomes and minimal findings for past institutions.
Compliance Program Modernization
Successfully designed and deployed modernized compliance management systems (CMS) in previous roles, enhancing efficiency in monitoring, reporting, and risk mitigation across various banking operations.
Development of Impactful Compliance Training
Developed and delivered comprehensive compliance training programs tailored to diverse employee roles, significantly improving enterprise-wide understanding and adherence to critical regulations.
Educational Background
Associate's degree, Architecture
SBCC
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Company Overview
American Riviera Bank (arbv)American Riviera Bank is a full-service community bank focused on serving the commercial and retail banking needs of businesses and individuals in California's South Coast communities of Santa Barbara and San Luis Obispo counties. They offer a range of services including personal and business checking and savings accounts, loans, mortgages, and online banking solutions, emphasizing personalized customer service and local decision-making.
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