Monica Granato

Compliance & Risk Operations Manager with 7 years’ banking experience leading comprehensive compliance testing and risk mitigation initiatives. I have a track record of effectively improving measurable outcomes and sustaining success through partnering with stakeholders to execute corrective actions, tracking remediation progress to strengthen internal controls, and collaborating with leaders to improve overall program effectiveness.

AVP, Regional Operations Manager at Comerica Bank – Central Texas Market (2021 – 2026)

Oversaw compliance governance across 17 banking centers in Kerrville, San Antonio, and Austin, TX. Collaborated with LOBs to streamline policies and procedures, accelerated onboarding by developing new-hire training tools in partnership with HR and led policy and regulatory initiatives to mitigate operational risk.

• Earned the Top 2025 Operations Scorecard rating within the Central/South TX Region.
• Achieved a 92% overall district internal audit passing rate, displaying high operational integrity.
• Achieved the region’s lowest controllable losses, totaling less than $300 in 2025.
• Led the only 4 banking centers in the region with achieving the highest audit rating of “Outstanding”.

Community Reinvestment Coordinator II at Broadway Bank (2018 – 2021)

Analyzed the bank’s Community Reinvestment Act (CRA) performance trends and presented findings to the CRA Committee and Board of Directors. Prepared assessment reports and supported audit-readiness for triennial federal regulatory examinations.

• Earned the first-ever “Outstanding” rating in the Office of the Comptroller (OCC) CRA Exam in 2020.
• Nominated and served on Broadway Bank’s Wellness Council Committee.
• Facilitated and monitored employee volunteer programs for non-profit organizations.

Regulatory Compliance Coordinator at Broadway Bank (2017 – 2018)

Audited new account reporting to identify regulatory compliance risks or violations and collaborated with Enterprise Risk Management (ERM) and Senior Compliance Officers to coach frontline staff of remediation requirements and resolution timelines.

District Operations Specialist at Capital One Bank (2015 – 2017)

Promoted to direct compliance oversight and risk management for the San Antonio market. Established collaborative remediation strategies and conducted targeted coaching to resolve operational gaps.

• Led the Highway 151 branch to a 100% internal audit score by implementing operational discipline, resulting in zero errors.
• Facilitated financial wellness education workshops for non-profit organizations.

Multi-Branch Sr. Banker at Capital One Bank (2013 – 2015)

Demonstrated versatility by providing sales and leadership support to the San Antonio market while enhancing operations knowledge and applying continuous learning through management growth initiatives.

• Graduated from the bank’s Branch Manager Accelerated Program that focused on strategic initiatives, team development, and leadership coaching.
• Annual recognition in 2015 for closing the highest volume of Home Equity Loans in the district.
• Championed volunteer engagement for the district to successfully meet company set annual goals.

Relationship Banker at Capital One Bank (2010 – 2013)

A role that marked a pivotal beginning in my banking career and the development of my expertise in front line customer banking sales, business operations, banking laws, and federal regulations.

• Earned a spot on the National District Top 25 Banker’s List in 2012 and 2013 for year-over-year sales portfolio growth and high service rating performance.

2 years completed towards a bachelor’s degree in business administration – The University of Texas at El Paso

Diploma – J. M. Hanks Highschool