SUMMARY

• With 13 years of mortgage experience, I’m seeking to obtain a stable position with a prestigious financial company that can amplify my strengths and qualities to become a great asset which will broaden the company’s overall attributes

PROFESSIONAL EXPERIENCE

Confidential

HR Governance Compliance Analyst

Responsibilities:

• Assists with documenting process and control activities via narratives, matrices, and control testing
• Audits and tests controls on all business units, to ensure that they are performed as required and is in accordance with test scripts/control objectives and within budgeted time allowed
• Conduct Risk assessment and effectively apply a corrective action
• Utilize SharePoint to upload and track documents
• Well Experience in frequency of controls and writing test scripts
• Well Experience with corrective action tracking, reporting and pulling samples
• Strong and well - developed verbal and written communication, collaboration, and time management skills.
• Ability to adapt to various work environments, industries, and project schedules and to work effectively in a team environment with all levels of personnel
• Proficiency with Microsoft Office Suite including Excel, PowerPoint, Word, and Visio
• Ability to build positive relationships with team members across the organization
• Ability to interact successfully with a variety of business partners across the organization including transaction banking, legal, compliance, technology and operations, to ensure risks are mitigated and compliance with relevant policies and procedures
• Strong organizational skills with the ability to work in dynamic environment, that demands the ability to manage multiple, and often competing priorities
• Understand complex business processes, risks and controls in manual / automated environment
• Strong analytical and problem solving skills
• Strong oral and written communication skills and the ability to summarize and present complex information and issues succinctly for the required target audience

Confidential

Compliance Analyst

Responsibilities:

• Coordinates, performs and documents testing to evaluate the bank’s compliance program’s adherence to policies, procedures, state and federal laws and regulations using extensive compliance testing
• Identifies compliance controls and develops strategies to ensure appropriate testing of controls.
• Monitor and track corrective action on regulatory issues to final resolution
• Strong knowledge of CFPB mortgage servicing and originations requirements
• Ability to develop test plans and execute test scripts
• Effectively articulates relevant compliance risk issues to management resulting from compliance testing, line of business self-identified issues or other risk partners.
• Conduct compliance risk assessment impact analysis relative to regulatory changes, and other LOB strategic business initiatives.
• Develop and maintain a strong knowledge of all current and proposed relevant laws and regulations.
• Ensure Management is apprised of any potential compliance risks, impacts and implications of new or amended rules
• Assist Subject Matter Experts with LOB specific laws and regulations as directed

Confidential

Compliance Analyst

Responsibilities:

• Identify and review all HMDA reportable mortgage loans/applications in accordance with established policies and procedures
• Experience Utilizing Encompass 360
• Perform quality control testing on FHA,VA, FNMA,FHLMC, High -Risk loans
• Monitor and maintain mortgage loan information quality and integrity to ensure regulatory compliance
• Identify systematic and operational issues regarding HMDA data integrity; Recommend and coordinate resolution efforts
• Import data into reporting databases, perform , data quality and validity checks, and address exceptions identified in accordance with established timeframe
• Perform testing on designated loans as needed
• Prepare HMDA-LAR files for submission to regulators on or before the required deadlines
• Utilize resources to stay up-to-date with regulatory changes related to HMDA reporting
• Assist with regulatory exams and internal audits
• Provide assistance with merger and acquisition projects related to HMDA reporting
• Perform mortgage due diligence/risk/Quantitative Analysis, Regulatory Compliance and Quality Control
• Perform a udits post-closing loans in the process of mitigation
• Make decisions and recommendations regarding loan delegations
• Review multiple documents on post closed loans such as 1003, Note, DU, and Credit Reports
• Ensure Adverse Action Notices provided to borrowers complied with the Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA)
• Extensive working knowledge of residential mortgage lending and laws governing residential mortgages.
• Remediate Adverse Action Notices, to ensure consumer compliance of regulatory guidelines and requirements
• Make sound knowledge decisions on mortgage loans in order to perform risk analysis
• Proficient review and assessment of policies and procedures regarding the new TILA/RESPA Integrated Disclosure (TRID) regulation

Confidential

Business Analyst

Responsibilities:

• Gathers high-le vel business requirements from product managers then determines, defines and documents the detail requirement for new product enhancement for Retail Loan Center
• Facilitates discovery of complex functions across varied business units in order to bring products to fruition
• Responds to email inquiries, set up follow up calls, participates in Web Meetings, Presentations and Grooming
• Interacted heavily with Jira, (MIS) application and Agile Methodology
• Validate requirements with all stake holders, secondary market, product development and all impacted functional groups
• Ability to understand SQL, Create SQL data reports, pull data extractions
• Closely monitors and coordinates all activities necessary for a successful deployment, making tradeoffs, allocating resources and notifying impacted parties of any changes
• Coordinates, performs and documents testing to evaluate the bank’s compliance program’s adherence to policies, procedures, state and federal laws and regulations
• Identifies compliance controls and develops strategies to ensure appropriate testing of controls.
• Manage, develop, and implement tools for evaluating and mitigating compliance risks with a primary focus on building out a testing and monitoring program to identify compliance/control weaknesses, process or procedural deficiencies, errors or gaps focusing on consumer compliance (e.g., TILA/Reg Z, UDAAP, FCRA/Regulation V, etc.) and BSA/AML, and OFAC
• Monitor and track corrective action on regulatory issues to a final resolution.
• Effectively articulates relevant compliance risk issues to management resulting from compliance testing, line of business self-identified issues or other risk partners.
• Conduct compliance risk assessment impact analysis relative to regulatory changes, and other LOB strategic business initiatives.
• Develop and maintain a strong knowledge of all current and proposed relevant laws and regulations.
• Ensure Management is apprised of any potential compliance risks, impacts and implications of new or amended rules
• Assist Subject Matter Experts with LOB specific laws and regulations as directed