PROFESSIONAL EXPERIENCE:

Confidential, Los Angeles, CA

Business Analyst

Responsibilities:

• Collaborate with reporting, operations and technology teams for CCAR reporting and/or credit risk analytics.
• Work with business data leads on both tactical and strategic solutions for development, implementation, and maintenance of data integrity bank system and business requirements.
• Assist in the rollout of CNB's Data Governance reporting and strategy structure that includes: Data Governance and Policy, Data Quality and Control, Data Strategy and Architecture, Master Data Management, and Analytics Data Management.
• Coordinate data lineage/mapping efforts with different LOBs to communicate progress to project manager.
• Ensure accountability and ownership of the data quality for all data attributes and elements.
• Perform application administration, configurations, reporting issues, data tracing, data profiling, and root cause analysis.
• Work with each Business Unit to remediate all Fed Edit Check failures, missing financial data and remediation action plans to ensure that corrective actions are appropriate, properly documented and achievable, and resolved in a timely manner.
• Work on cross business and technology data programs initiatives to improve reporting and future state initiatives
• Review and validation of data attributes and elements within the data templates provided by the CCAR Data Governance and Data Management teams.
• Assist in building data governance within the following business units; Commercial, Healthcare, Franchise Finance, Municipal Finance, Capital Finance, Structure Finance, Food & Beverage, Mortgage Warehouse, International &Trade.
• Work with Quality Assurance Managers (QAM) and Credit Analyst & Credit Officers on UAT / integration of electronic CRR & Change Request forms.
• Reviewed processes for different LOBs to identify risk and create robust controls to eliminate / minimize risk exposures.
• Reviewed Comprehensive Capital Analysis & Review Federal Instructions to conduct financial modeling and stress test focusing on the bank’s overall committed and utilized exposure within Commercial, Specialty, and Entertainment Banking using Moody’s.
• Brio Technology, Oracle SQL Developer (Basic Queries) FIS, AFS, IBS, Synergy, E3, Moody’s, Excel (vlook - up, if errors, pivot tables, macros, index, VBA)

Confidential, Torrance, CA

Senior Business Analyst

Responsibilities:

• Assisted Project Managers and Team Leads in the documentation of key deliverable for business process redesign.
• Negotiated agreements and commitments by facilitating communication (from initial requirements to final implementation) between business unit(s) and IT.
• Assisted Project Manager in the development, preparation, and facilitation of project plans in addition to using project planning tools to assess cost/benefit, efficiency, and technical viability of solutions to business risk / issues.
• Handled tactical communications (with project team members and other stakeholders) to support services during testing, implementation, and warranty phases of project objectives.
• Assisted occasionally with operational reviews, risk assessments, and internal audits focusing on efficiency, effectiveness of operations, and quarterly (SOX) Sarbanes-Oxley testing within Confidential Corporate Governance.
• UAT and end user testing for new Confidential product.
• Minimized error rate to 2% by creating a tracking tool to show error rate, mapping issues, and trends for different Audit Line Items. Thus, completing the project making software available to dealerships internationally.

Senior Business Analyst

Responsibilities:

• Completed several special projects (e.g. risk identification, framework monitoring, and methodology design) with senior management, stakeholders, US, and Non-US Regulators at a global and local level to assist in maintaining regulatory requirements (e.g. SOX, FACTA, FCRA) specifically in the (IS) Information Security, IT, and Legal departments.
• Assisted in the completion of tracking and reporting compliance related Key Operational Risk (KORs) and Key Risk & Control Indicator (KRCI) within AML and BSA Sanctions by performing quality reviews, conducting gap analysis, root cause analysis of risk events, and control breaks to enhance control validation testing for Internal and External Reviews (i.e. Internal Audit, Compliance Testing, Peer review, Regulatory Agencies Oversight & Surveillance Team).
• Partnered with business owners and key process owners to coordinate risk monitoring, mitigation, testing, risk analysis, and maintenance to support the business effective control environment for the quarterly assessments and Annual Risk Assessment (ARA) thus satisfying the consent order in the closure of Banamex USA within federal regulatory guidelines.

Confidential

Consulting Analyst

Responsibilities:

• Acted as a SME (Subject Matter Expert) and liaison between Compliance, Audit, Operations, and other associated Committees during the conveyance of loan ownership and the integration process at the Palisade Group to assure adherence to the following; Regulation Z (Truth in Lending Act), Regulation B (Equal Credit Opportunity Act), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) in conjunction with the USA PATRIOT Act, Anti-Money Laundering (AML) and Customer Information Program (CIP), Right to Financial Privacy Act (RFPA, state and federal) and Community Reinvestment Act (CRA).
• Analyzed credit reports, appraisal reports, and operating statements in addition to reviewing financials to determine cash flow and net worth to ensure all relevant materials were completed with high accuracy.
• Tracked and reviewed sign off for Change Request Management (CRM) forms.

Confidential, Westlake Village, CA

Auditor

Responsibilities:

• Prepared financial revenue reporting using multiple data sources.
• Managed several SharePoint sites for different projects helping to streamline businesses.
• Facilitated weekly calibrations between the production management and quality analyst team.
• Extracted, compiled, and ran reoccurring reports requested by management.
• Performed data comparisons, reconciliations, and answered managements’ inquiries regarding created reports and extracted data while managing multiple concurrent projects to support organizational initiatives.

Confidential, Woodland Hills, CA

Analyst

Responsibilities:

• Researched and investigated high risk account behavior for potential Money Laundering / Terrorist Financing related to suspicious activity in accordance with Intuit policies and procedures.
• Monitored & managed progress of each Suspicious Activity Report to deliver timely & effective feedback to SAR Analysts.
• Performed transactional analysis, Negative Media Scan, and reviewed customer documents from Intuit systems, LexisNexis, and Search engines to support case recommendations for closing customer accounts based on investigation.
• Partnered with Sr. Compliance Program Manager to collate metrics and other data as requested focusing on Key Operating Risk (KOR) within BSA, AML and KYC.

Confidential, Santa Ana, CA

Auditor / Underwriter

Responsibilities:

• Conducted due diligence review (to adhere BSA / AML / KYC / Confidential guidelines) and calculated the following financials; 1040 Personal, 1120 S Corp, 1065 Partnership, 1099, K-1, Rental income, Capital gain, Asset/brokerage accounts (asset dissipation), Pay Stub, W2, P&L, Balance Sheet, and Trust Income.
• Underwrote and audited in accordance to Federal, State, and Confidential guidelines to ensure regulatory compliance for the following mortgage loans; Purchase, Refinances, Conventional, Government: (VA, FHA), HELOC, and Jumbo Loans.
• Assisted with and mentoring of junior staff and relayed performance feedback to supervisors/managers.
• Explained new regulations or guidelines to other parts of the business, and occasionally delivered presentations of the newly implemented directive or requirements.
• Reviewed business process/directives to increase efficiency and accuracy to send to the Underwriting & Processer Team.
• Managed business engagement to understand, challenge, and document underlying business needs, then translated these into project scope, objectives, and business goals.

Confidential, CA

Auditor / Analyst

Responsibilities:

• Monitored workflow and operational efficiency in order to recommend process changes and improvements.
• Responded to complex customers, investors, or third party inquires.
• Conducted portfolio audits in order to determine compliance, integrity, and timeliness of the foreclosure process.
• Reviewed the daily work-flow and sought efficiency within operational processes.
• Prepared month-end statistical reports for the OCC Consent Order related to all foreclosures that took place .
• Automated the reporting process in Excel with VBA Macros and SQL.

Confidential, Chatsworth, CA

Auditor

Responsibilities:

• Handled production quality reviews of mods, internal auditing QA reps, and resolving errors on ad hoc reports.
• Monitored/analyzed quality reporting to determine root causes of escalated Service Level Agreements (SLA).
• Analyzed and reviewed financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value) in accordance to HAMP, CHAMP, Fannie Mae, and Freddie Mac refinance guidelines.
• Managed and prepared formal project reports for review, ensuring that documents adhere to industry standards.
• Implemented fraud detection techniques and performed compliance reviews during loan analysis.

Confidential, Westlake Village, CA

Auditor / Analyst

Responsibilities:

• Monitored workflow and operational efficiency in order to recommend changes and operational improvements.
• Participated in baseline and parallel testing to review and adhere to corporate guidelines.
• Tested controls and identified deficiencies within the LOB process and reported findings on a monthly basis.
• Reviewed and audited appeals written by associates to dispute and purchase “make whole” requests from investors.
• Revised QC review process and calibrated in accordance with federal guidelines.
• System & Application Software;
• Microsoft Excel, QAS, iPortal, AS400, StatusMart, FileNet, AWD, PAT, & Adobe Acrobat Pro DC, RFI.