TECHNICAL SKILLS:

• FNMA
• FHLMC
• VA and GNMA guidelines and Automated Systems; DU
• LP
• Clues eMits and Asset Wise In addition to Lexis Nexis
• Calyx
• Share Point
• StratQ & Loan Works
• SOX Compliance Auditing
• FEMA & NFIP Compliance

PROFESSIONAL EXPERIENCE:

Confidential, Charlotte, NC

Compliance Risk Management Consultant

• Conducted compliance risk analysis within the (DPRM) Deposits Products Risk Management department on regulatory categories of Banking Operations, Deposit Products, BSA / AML / KYC, OFAC, Commercial Credit / Banking, Consumer Protections / Consumer Protections / Securities & Investment Banking services and products.
• In addition to the policy drafting and compliance risk management work, I participated in synthesizing and analyzing various compliance risk information inputs gathered across Compliance Risk Management, including regulatory changes, compliance risk assessment testing and monitoring results, and metrics, among other information points, to conduct thematic analysis of significant compliance concerns, risk areas, and deficiencies and provided such reporting as inputs;
• Risk assessments and emerging risks compliance teams to gather, track and aggregate inputs, and analyze them for a compliance risk assessment report;
• Reviewed and assisted in compliance governance - related matters, including the establishment and maintenance of a compliance governance standard for compliance committee escalation and other governance processes, developed, enhanced and promoted the use of consistent communication tools / templates / presentations related to the compliance risk management,
• Work directly with senior Compliance team and collaborated with as well as implemented directions given from project subject matter experts on matters of Compliance Risk Management / Regulatory & Governance.
• Within the following Confidential systems & software; Hogan / SharePoint / SOR Bank Statements / as well as all of the Micro Soft Office Products

Confidential, Charlotte, NC

Project Manager

• As a Project Manager & Compliance Testing Developer, I’ve conducted independent transactional and process testing within a team that supports the needs that were identified by Compliance and Operational Risk Officers. As a Compliance Test Developer within the Enterprise Independent Testing Division - I’ve performed independent point-in-time examination of one or more processes, controls, policies - procedures and data sources utilized for managing risk to assess the effectiveness of the control environment. Designed and developed test focused on answering a specific objectives with a pre-defined pass/fail criteria."
• Provides analytical support in EIT activities related to multiple Compliance Control Functions. Gathers and organizes data in order to track, report and monitor effectiveness of controls and tracking, monitoring, and escalation of risk related issues to management. Investigates data attributes within various operational and reporting databases. Builds logics for automated data extraction and validation for EIT testing. Acts as subject matter expert on compliance, quality of Banking & Finance laws / rules / regs, quantitative tools, and automated reporting.
• Designed & Developed Test Plans, Test Scripts and BRD’s
• Delivered high-quality results in a stressful environment and comfortable managing, manipulating and summarizing large quantities of data simultaneously
• While designing compliance test plans, ensured the adherence to CCR, BSA, AML, KYC guidelines were met and implemented effortlessly
• Own and execute the end to end design of new and/or modified test plans and associated scripts, in collaboration with the Test Owner and Test Development Manager, ensuring compliance with enterprise testing standards and policies
• Work with Data Sampling partners to ensure appropriate sampling requirements are incorporated in to the Test Plans
• Partner with Test Development Manager and Test Owners to interact with Line of Business partners to facilitate test design
• Maintain SOR tracking of test status per standards, SharePoint & ALS/Mainframe
• Provide training to the test execution team on test process including changes and enhancements
• Evaluate if pilot testing is required and participate in testing as needed
• Participate in other phases of testing (intake, execution, reporting) to provide expertise and feedback on areas assigned
• Participate in various ad-hoc projects as requested by management
• BOA SharePoint / AS400 (ALS) / as well as all of the Micro Soft Office Products

Confidential, Fort Lauderdale, FL

Senior Underwriter

• Reviewed all loan packages processed by Loan Processors to ensure its accuracy and compliance to industry standards, validating the package readiness to close. Reviewed information on mortgage loan documents to determine if the buyer, the property and loan conditions meet establishment and government standards.
• Evaluated information to determine whether lending officers stayed within guidelines of lending authority, if the loan was in compliance with banking regulations and if required documents were obtained, underwritten / processed / closed & audited files Analyzed applicants financial status, credit and property evaluation to determine feasibility of granting loans, Underwritten & Audited final files / Audited P&L’s & Tax Returns
• Underwriting of wholesale mortgage loans using guidelines based on investors specifics and FHA, FNMA, Rural Housing and FHLMC specifics. Loan program review includes High balance, Homepath, Harp, Jumbo, FHA 203B, USDA. Review of all loan documentation on paper less system along with updating automated underwriting engines as needed.
• AML / KYC / BSA Compliance Due Diligence per Guidelines and clients request
• (FEMA) Federal Emergency Management Agency / (NFIP) National Flood Insurance Program - Flood Analysis & Flood Insurance Compliance
• (CU) Collateral Review & Analysis

Confidential, MO

Operations Compliance Manager

• Performed a wide range of duties related to the Operational Compliance, Regulatory Risk & Adherence of the departments responsible for originating, processing, underwriting and the closing of residential mortgage loans. I was responsible for Designing & Implementation of Compliance & Regulatory Test to ensure that each department and their employee were following a determined workflow and process, thereby meeting service level agreements, guidelines & regulatory policies and procedures that have been set by the bank or the laws rules & regulations set-forth by congress or regulatory bodies.
• Retrieve, review, create, distribute and discuss reports related to the findings from the Forensic Auditors and Forensic Compliance departments.
• Monitor compliance issues of all departments’ members, insuring the compliance with state and federal regulations, OCC, SEC, DODD Frank, MRICP, & FINRA
• Monitor team quality accuracy and efficiency through coaching and mentoring efforts. Keen focus on production and pull-through through the utilization of quality control and review loan files to ensure adherence to internal and external regulatory requirements.
• Installed SQL Server on Windows 2000 Server, Involved in the Analysis & Design
• Created Database and Database Objects like Tables, Stored Procedures, Views, Triggers, Rules, Defaults, user defined data types and functions.
• Defined relationship between tables and enforced the referential integrity constraints. Created Clustered and Non-Clustered Indexes.
• Responsible for General Database Administration, Query Performance tuning.
• Backup recovery schedules, Backup scripts.
• Worked with DTS packages to load the massaged data into Data warehousing system.
• Tuned the SQL queries using SQL profiler. Involved in tuning the database.

Confidential, Jacksonville, FL

Financial & Mortgage Compliance Analysis

• Using the facts as obtained to recommend the appropriate actions: to rebut the demand, denial, and rescission or submit the file to senior management for review with a formal recommendation. Use industry tools to research the reasonability and materiality of the facts presented in the various files and forensically re-underwrite the origination file to assess the merits of the effected loan files to determine conformity with origination requirements and sales contracts.
• Conduct analysis on transactional data to make determinations of irregular activity through understanding of industry norms, historical customer activity and regulatory definitions of suspicious activity.
• BSA and Anti-money Laundering procedures - using SQL & SSMS
• Examine reports to determine if situations meet the established criteria for investigating suspected fraudulent or problem accounts.
• Collect, Analyze and disseminate sensitive information concerning the suspicious activities of groups, businesses and individuals as described in the BSA and Anti-money Laundering procedures. (CCAR) Comprehensive Capital Analysis And Review
• Document all findings in a centralized case management system, to include writing a detailed narrative supporting your findings.
• Exercise solid judgment while examining, identifying and documenting suspicious account activity behaviors and patterns.
• Maintain a high degree of professional competence in the area of the Bank Secrecy Act activities and investigations through self-study, seminars and professional organizations.
• Act as a technical resource for the various business lines and external customers on all matters pertaining to BSA / AML / KYC
• AML / KYC / BSA assessments & investigations conducted
• Review all Exempt customers for suspicious activity and ensure that all the proper documentation has been filed to maintain exempt status
• The ability to recognize MSB activity and escalate it to the designated analyst
• The ability to prepare a Suspicious Activity Report and understanding/follow the SAR filing requirements
• Understanding the requirements of CDD, EDD and CIP to ensure compliance under the regulations.
• Consult with senior management and / or legal as appropriate given the complexity of the contractual clauses, the risk reason cited by the counterparty and their arguments (GRC) Governance Rick & Compliance / (FINRA) Financial Industry Regulation Authority
• Act autonomously and utilize independent discretion and a high degree of sound judgment in conducting timely, accurate and effective analysis and investigation of anomalous behavior to mitigate money laundering risks
• Articulate the key elements of the defense, leveraging pre-drafted responses as well as incorporating specific loan level details and arguments specific to the individual demand, denial or rescission
• Prepare and argue the position in counterparty discussions as necessary
• Work with management to mitigate the individual loss severity per demand, denial, or rescission within the HARP & HAMP ILQA department
• (ORM) Operational Risk Management & (ERM) Enterprise Risk Management skills applied daily / (MRICP) Material Risk Identification and Capital Planning

Confidential, Las Vegas, NV

President & CEO

• GSG inc. is an entrepreneurial project within the golf industry. I’m an entrepreneur that’s in the initial phase of development, design and implementation of forty new and innovative products and services within the golf industry. I have developed these new products to enhance and revolutionize the golfer’s experience and the game of golf itself.

Confidential, Jacksonville, FL

Operational Compliance Analysis & Sr. Due Diligence Project Lead

• Serving as Subject Matter Expert (SME), for multiple complex products, in the analysis of alerts and investigation of transactional activities to detect any suspicions of money laundering or terrorist financing activity. While valuating acceptability of loans for corporations that buy’s residential & commercial loans on the secondary markets, where existing mortgages are bought and sold by investors. Evaluate information to determine whether lending officers stayed within guidelines of lending authority and if loans are in compliance with banking& federal regulations.

Confidential, New York, NY

Compliance Analyst & Due Diligence Specialist

• Reviewed information on mortgage loan documents to determine if buyer, property and loan conditions met establishment and government standards; Reviewed examined and underwrote loans to ensure soundness, business value and compliance for companies like Well Fargo, BOA, WAMU and third party investors.
• Evaluated data to ascertain loan viability and identify risk issues and potential fraud.
• Manual underwrote conventional loans, Alt-A, Sub-Prime, Conforming, Non-Conforming, HELOC’s, Scratch & Dent, Commercial Loans, FHA/VA, performed Loss Mitigation, HUD-1 & F-TIL Analysis.
• Conducted Flood Analysis & Flood Certification Compliance

Confidential, Atlanta, GA

Commercial Due Diligence, Compliance & Collateral Review Specialist

• Collateral Review Of: Stocks, Bonds, Gold & Silver Coins, Yachts, Motor Cycles, Trucks, Primary & Investment Homes and Commercial Building - FNMA, FHLMC, GNMA, FHA/VA loan products, Acquisitions and Commercial loans.

Confidential, Orange County, CA

Project Manager

• Managed a Due Diligence underwriting team of 25 Underwriting specialist that performed Due Diligence & Underwriting on ALT-A, Prime & Sub-Prime Loans, Conforming, Non-Conforming, Scratch & Dent, FHA/VA. Performed quality control interface with lenders and third party investors on the status of portfolio being underwritten.
• Responsibilities included the complete documentation of all discrepancies relating to lender and investor guidelines and compliance regulations. In addition to managing the work flow, project scheduling and contractor traveling assignments.

Confidential, Boca Raton, FL

Financial Center Manager

• Provide assistants to subordinates & supervisors in identifying and resolving problems. Inspired employees to ensure successful performance in all areas of their responsibilities
• Developed project and profit plans for the branch as well as prepared and analyzed financial & operational reports
• Directed activities to implement institutional polices, procedures and practices concerning granting and extending of credit, commercial loans, real estate loans and consumer credit loans.
• Increased funds under management by 33.4%, form 3-million to 4-million
• Increased productivity by 50%, by insuring training and support programs was being utilized to it’s fullest potential