SUMMARY:

• Highly detail - oriented and ambitious individual with strong research and analytical skills offering 10 years of professional experience with proven ability to prioritize and manage multiple tasks to completion.
• I offer extreme qualifications and broad knowledge of compliance adherence requirements and guidelines, with a strong background in Compliance,
• Underwriting, Mortgage Banking and Risk Management.
• I have worked in various capacities in the financial services industry responsibilities include Federal and State regulatory background, including KYC, BSA, Patriot Act and all matters related to the preparation, review and filing of relevant regulatory reports.
• I excel in being a self-directed, highly motivated associate who has the ability to work independently, solve problems, and develop solutions.

SKILL:

• Know Your Customer (KYC)
• Customer Due Diligence
• Office of Foreign Assets Control (OFAC)
• Consumer Financial Protection Bureau (CFPB)
• Structured Query Language (SQL)
• Oracle
• Visual Basic For Applications (VBA)
• Customer Identification Program (CIP)
• Microsoft Word
• Microsoft Excel
• Lexis Nexis
• Fraud Detection
• Bank Secrecy Act
• Quality Assurance
• Loan Prospector
• Anti-Money Laundering (AML)
• Suspicious Activity Report (SAR)
• AS400

PROFESSIONAL EXPERIENCE:

Confidential, Dallas, TX

Senior Compliance Analyst- Testing

Responsibilities:

• Partnered with Compliance Officers and Compliance Testing Teams in the modification of existing tests based upon regulatory changes, new products, audit issues, Key Risk Indicators (KRI) and control assessments
• Responsible for the end to end design of the Compliance testing and associated scripts, in collaboration with the Compliance Officers and Compliance Testing Manager
• Partnered with Compliance Testing Manager and Compliance Officers to interact with Line of Business partners to facilitate test design
• Assisted in the design of reports communicating testing results to Compliance Officers
• Participated in beta and pulse check testing
• Executed test cases/scripts based upon application design documents, formal requirements, and Section 508 guidelines
• Generated test summary reports after each testing cycle to show testing progress, actual testing results, and pass/fail status
• Provided regular status updates to the Test Manager and Test Leads on completed tasks and planned testing tasks as outlined in the project schedule issues, risks and other action items

Senior Anti-Money Laundering Compliance Consultant

Responsibilities:

• Conducted routine to complex research and investigations in diversified operations to support compliance operations
• Identified unusual activities and behaviors across multiple products that prompted further inquiry
• Performed and/or contributed to the test planning and execution of 508 testing activities
• Communicated with internal and external resources regarding results and potential issues identified, and development of Compliance guidance or practices that further mitigate any observed risks
• Evaluated applicable policies and procedures to determine whether they are current, accurate, or complete, and address the risks associated with the process or practice
• Performed evaluations of the regulatory requirements included in the assigned Compliance Review, and that the scope, approach, documentation, and data requirements are thorough

Senior Compliance/Risk Analyst

Responsibilities:

• Performed objective Compliance testing of assigned area in established/required timeline and identified reportable issues and the dimension of risk
• Reviewed applicable risk assessments, policies, procedures, forms, agreements, rules and regulations
• Performed Compliance Reviews scheduled in a comprehensive and timely manner consistent with the Compliance Program procedures
• Reviewed client documents for Compliance and acceptance
• Drafted Suspicious Activity Reports (SARs)
• Recommended process improvements, formulated and recommended action responses to mitigate risk and resolve complex inquires and escalations
• Developed, updated and maintained Section 508 compliance processes and documentation based on industry and federal government best practices and standards

Origination Underwriter/QC Loan Reviewer

Responsibilities:

• Responsible for making an approval or declining decision based on the quality of the data in the loan file
• Responsible for providing closing agent and the borrower with cured letters for defects that must be cured within a number of days of closing specific to comply with the regulatory requirements that apply
• Applied all internal underwriting guidelines, investor requirements and federal regulations to the decision process to ensure loan quality
• Reviewed investors repurchase letters and determined the validity of the allegations
• Analyzed and verified the employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each loan application.
• Reviewed data to confirm the accuracy of automated underwriting findings
• Responsible for auditing loans to ensure RESPA credits were provided at closing if necessary
• Provided quality control assistance to verify accuracy of progress
• Reviewed the HUD-1 to ensure it was correct

Mortgage Underwriter

Responsibilities:

• Reviewed underwriting guidelines for FHA, VA and Conventional loans
• Prepared data analysis and reports of audit findings
• Reviewed credit, appraisals, income, title commitments and flood certifications that were submitted to ensure the loans met lender products and guidelines
• Calculated income, verified document integrity and rendered decisions based on established criteria and in accordance with policy, program and product guidelines
• Assisted with fraud detection and prevention
• Applied sharp organizational, analytical and multi-tasking abilities while executing second-level reviews on numerous loans submitted for denial, cancellation, second signature, and counteroffers.

Mortgage Loan Processor

Responsibilities:

• Routed mortgage loan files through an internal processing systems
• Reviewed all documentation verifying the loan transactions met all FHA, VA, Conventional, and USDA guidelines
• Reviewed the GFE (Good Faith Estimate)
• Obtained and reviewed documentation to clear all underwriting conditions
• Submitted complete loan files to underwriting for loan approval
• Submitted all documentation to the closing department for acceptable final documents and loan figures in order for the final documents to be drawn and work with the title company on approving a final HUD-1

Confidential, Dallas, TX

F unding Specialist I

Responsibilities:

• Verified and audited all documents required to complete the loan process
• Maintained current knowledge of state and federal regulations and provided quality customer service to both the credit center and the dealer network
• Reviewed and compared terms with bank approval
• Verified applicant’s employment
• Calculated applicant’s income based off documents received to ensure the applicant could maintain financial responsibility for the vehicle of choice

Mortgage Loan Funder/Closer

Responsibilities:

• Reviewed closing conditions to ensure they met all applicable guidelines and were satisfied prior to funding
• Wired funds, updated system and notified escrow with funding figures
• Reviewed and audit signed loan documents; including pre-funding reconciliation of estimated HUD-1
• Coordinated and confirmed with escrow that the loan was ready to fund per policy and procedures
• Communicated with both the borrower and the title company to schedule a closing date and time
• Communicated with the appropriate parties once the loans funded