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Hr Governance Compliance Analyst Resume

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

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