SUMMARY:

• Business Analyst/ SME with Diversified background in Information Technology through various levels of Business Analyst roles with exceptional organizational, analytical and management skills.
• Experienced working with team members from diverse cultures. Bilingual (English and Spanish) fluency helped on Confidential project.
• Participate in requirement analysis with Business/Compliance users, for compliance models/ Scenarios and Optimization.
• Adept at leading multiple projects simultaneously and adjusting priorities to meet ongoing business needs.
• Recognized for ability to build and maintain positive working relationships to ensure successful project completion through solid teamwork and strong customer service focus.
• Highly motivated to acquire new business knowledge and technical skills, and to achieve lasting, high quality results.
• Experience includes Scenarios, Threshold optimization, alert scoring, Auto - close, operations and efficiency, reports generation, process improvement.
• Interview business users in order to analyze and develop business requirements.
• Liaison between internal SMEs and external resources.
• Perform business analysis and assist in designing and implementing of business solutions.
• Help business users in user acceptance testing and provide support to business for issues in Production.

TECHNICAL SKILLS:

• Investment Products - Forecasting - Persuasive Communicator - Power Point
• Loan Processing - Team Building - Demographics - Excel
• Opening Accounts - Organizational Design - Channel Marketing - Word
• Business Development - Decision-Making - Customer Retention - Lotus Notes, Outlook
• Relationship Management - Inventory Control - Customer Acquisition - POS systems
• Loan Processing - Cold Calling - Equator
• Deed in Lieu - MSP
• Forbearance - RAMM
• Short Sales Negotiation - FSD
• Bankruptcy regulations - Mantas
• Foreclosure regulations - Halo

PROFESSIONAL EXPERIENCE:

Confidential, Tampa, FL

Business Analyst/ SME

Responsibilities:

• Level 3 Management of Development Operations team supporting two applications used for AML (Anti-Money Laundering)
• Change Management Governance
• Establish team structure and leadership
• Problem & Resolution management using Service Now.

Confidential, Newark, DE

Business Analyst/ SME

Responsibilities:

• Collect and document data; including alert investigations, Suspicious Activity Report history, Know Your Customer information; relevant account and transaction data; plus any other required information to assist investigation.
• Review and analyze underlying data gathered to access reasonable cause to escalate an alert to Investigations or to clear the alert.
• Disposition an fully document all alerts, including supporting data, analysis and rationale for disposition, within the case management system in a timely manner
• Build relationship with AML Investigation units, effectively communicating and transferring information for case investigations.
• Writing and filing SAR (Suspicious Activity Reports).
• Referred unusual/out of pattern transaction activity to BSA Officer for further investigation and potential SAR filling. Draft SAR narrative for SAR.
• Analyzed high risk counterparties, reputational risks, and politically exposed persons (“PEP”) through public records, media or other research tools. Reviewed transactions for unusual activity.
• Conduct periodic internal account / customer reviews to identify potentially suspicious activity.
• Function as a key contributor and demonstrate knowledge of AM issues as well as broader functional knowledge
• Participate in individual and departmental goal development and execute on tactical strategies for goal attainment.
• Experience with Commercial, Private Banking, and Branch Referrals.

Confidential

Compliance Specialist, Los Angeles, CA

Responsibilities:

• Reviewed and approved new and existing international accounts.
• Reviewed the daily reports of extraordinary activity in customer accounts transactions and investigated whether such transactions are to be reported to the US authorities as suspicious activities.
• Reviewed customer accounts and wire transfers activity to detect unusual and suspicious activity.
• Monitored proper completion and timely filing of the Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs). Ensured that MSWM is in compliance with international securities regulations.
• Screened new clients and vendors against the OFAC list for KYC and AML purposes
• Reviewing Customer information profiles to in ensure accuracy completeness.
• Contacting Retail and Commercial customers in Mexico and Latin America.
• AML (Anti-Money Laundering): Working with high profile customers to capture necessary information to determine potential for money laundering.
• Used systems like Mantas, and Lexus Nexus

Confidential

Asset Manager, Fort Washington, PA

Responsibilities:

• Forbearance
• Short Sales
• Reinstatements
• Modifications
• Deed in Lieu
• Communicate with borrowers to determine hardships, resources and intentions for properties
• Analysis of Financials and personal situation to recommend potential solutions.
• Identify solutions to mitigate losses based on borrower eligibility and investor guidelines within appropriate time frames.
• Determine property occupancy and secure collateral. Document and respond to all property inspection results.
• Order and follow up on missing or old property values.
• Prepare pending foreclosure bids, when needed, in a timely manner based on upcoming sale dates.
• Receive and handle incoming calls on the company’s ACD phone line.

Confidential

Short Sales Negotiator, Wilmington, DE

Responsibilities:

• Working directly with customers, attorneys, investors and real estate brokers, successfully negotiate mortgage investment loss via Short Sale.
• Short Sales
• Work with investors, real estate agents and customers negotiating short sale of mortgages.
• Training and educating new contractors to become efficient short sale negotiators
• Administering real estate sales responsibilities in BAC locations Confidential
• Subject Matter Expert in loss mitigation and Short Sales
• Managed the process of selling real estate within prescribed investor & department guidelines
• Minimized losses on foreclosures through analysis, management, marketing, and liquidation of real estate owned properties by Confidential & their Investors.
• Negotiate counter-offers.

Confidential

Loan Officer, Haddonfield, NJ

Responsibilities:

• Acquiring and supporting existing customer’s mortgages customers.
• Customer Service for all Incoming Hispanics calls Confidential
• Loan Applications and payments over the phone and in person.
• Loan Modification processed all personal and Financial Information.
• Top performer, receiving monthly, quarter, and annual bonus and awards.

Confidential

Financial Sales Consultant, Wilmington, DE

Responsibilities:

• Provided cross platform expertise on financial products depending on the customer need
• Opened new accounts, took loan applications, closed loans and provided customer service to existing clients
• Called on existing and prospective business clients to develop new business
• Consistently achieved quota while cultivating lasting relationships with customers
• Awarded Top Sales Specialist awards
• Skilled in improving customer retention levels in highly competitive markets