SUMMARY:

Managerial experience in: Capital Markets, Treasury, Regulatory Reporting, Risk and Compliance; including Financial Change Agent with a record of success in forming and managing teams, including the design, development and implementation of global financial systems, processes and controls; Extensive experience with Audit CCAR; AML/ BSA/ KYC and OFAC.

TECHNICAL SKILLS:

• Control testing, drafting audit programs, training and managing large number of Senior Audit Underwriters.
• Test compliance with Anti - Money Laundering (AML) and Bank Secrecy Act (BSA) provisions.
• Work with programs from Actimize Platform, World Compliance, World Check, Wealth Management, Silverlake, SQL Server, MSP, AS400, LAMP, IPortal, LPS, LPS 2, Fiserv, CPI, Home Saver, Home Base, Fidelity, Eagle Vision, PEGA, Lender Live, SQL DBA Mgmt, DB2, Oracle, Du, LP, Ocean Systems, Norkom and Mantas.
• Computer literate in several Windows and Dos applications including Windows XP/NT, MS Office, MS Access, Power Point, MS Visio, Business Objects, foreclosure collections risk mitigation,

PROFESSIONAL EXPERIENCE:

Confidential

Project Manager: Tram Lead / QA

• The position primary focused to serve as the point of contact for all parties including the BSA Department, Management, and team members. As the Project Manager/Team Lead/QA focused on the standards, methodologies, policies and processes established in regards to communication and issue resolution as well as accountability for all aspects of project delivery.
• Operated in full compliance with internal policies and helped create procedures for High Risk Anti-Money Laundering BSA department. Responsible to report number of High Risk account, SAR’s and KYC accounts completed on a weekly bases to the Board and BSA department of the Bank.
• The position as Project Manager/Team Lead had a primary focus to serve as the point of contact for all parties including the business lines, BSA Management, IT department and Human Resources. As Project Manager/Team Lead, I followed the standards, methodologies, policies established in regards to communication and issue resolution as well as accountability for all aspects of project delivery.
• Providing support in coordination/responding for requests for information for internal Audit, OCC (Office of the Controller of the Currency) Regulators as part of audits, examinations and investigations.
• Performing QA testing of EDD/High Risk Accounts/ KYC files, documenting any deficiencies/findings, and discussing theses deficiencies/findings with the AML Team.
• Conducting Enhance Due Diligence (EDD) reviews for various products/business lines on all new High Risk accounts.
• Focusing on suspicious activity and related AML/BSA issues, Responsible for the QA of High Risk Analyst drafting of Suspicious Activity Reports (SARs), documenting decisions to file SARs, and editing High Risk Analyst SAR submissions.
• As QA reviewer of the KYC files completed by the High Risk Analyst function to determine if updates are needed.
• QA will also involve the clearance, investigation and further escalation of various high-risk triggers such as PEP’s, negative media hits, high-risk geography, and other factors based on research due diligence.

Confidential

FIU Escalations

• Write and File SAR’s (Suspicious Activity Report) and recommend relationship retention or termination and track account closures as required.
• Interact with Senior Management on the Compliance, Legal and business sectors concerning AML.
• Triage cases and identify items appropriate for Senior Management escalations.
• Follow up with additional Points of Contact (POC) as needed to identify additional information in support of the case.
• Collect and examine financial statements and document to assist in identifying unusual transaction patterns.

Confidential

CCAR Manager

• CCAR/DFAST Stress testing, Warehouse Corp and Warehouse CRE forecasting, 14Q, all related schedules, submission, Expertise in Risk, Qualitative and Quantitative assessment of risk and Mitigation and Monitoring of risk. Risk model validation and stress and scenario testing of these models.
• Conducted an end-to-end review of selected FR Y-14 M/Q schedules. This included data accuracy testing back to SOO, ADS, or SOR, depending on the type of data and the control environment in place through the actual submission of the final FR Y-14M/Q schedules to the Federal Reserve Bank (FRB).
• Obtained the data flow for creation of the information that is posted to the central M/Q team for monthly or quarterly processing. Also determined whether data flows contained all relevant details including data owner system, type of data provided as well as the current control.
• Evaluated the current control environment to determine if it was appropriately designed. Reviewed and documented existing monitoring testing routines reporting/ escalation processes and results.

Confidential

• Performed investigative reviews of large-scale and complex customers and accounts.
• Conducted Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) investigations to gather information using internal and external systems, databases and other resources.
• Performed daily review of new Remote Deposit Capture (RDC) customers, large deposit items, and payee matching and completing follow through of documentation with internal staff for identified exceptions.
• Reviewed and analyzed Office of Foreign Assets Control (OFAC) inquiries and potential hits.
• Updated OFAC hit log and daily outstanding items logs as needed.
• Processed daily OFAC, AML and legal transactions against required lists ensuring that all transactions were in compliance with OFAC regulations and AML policies.
• Conducted financial crimes investigations on behalf of the Bank’s Legal and law enforcement desist referrals from Global Investigations Unit for high-risk customers, including foreign correspondent banks, senior public figures, terrorist financing, embassies, and foreign money service businesses for potential AML-related suspicious activity.
• Executed special investigation protocol to identify red flag indicators assisting the bank in its identification of money laundering from suspected human trafficking/ migrant smuggling operations.
• Validated and managed to ensure quality and correctness to reduce false positives for the OFAC system, by tuning and tweaking default rate and testing with sanction lists.

Confidential

• Performed audit on High Risk MSBs accounts, politically exposed persons (PEPs), Senior Foreign Political Officials, foreign businesses/entities, and Charities/Non-Governmental Organizations (NGOs) to insure compliance with regulatory guidelines including Bank Secrecy Act and USA Patriot Act.
• Conducted Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD investigations to gather information using internal and external systems, databases and other resources.
• MRA using the five Cs format Concern, Cause, Consequences, Corrective action and Commitment.
• Maintained monthly reports based on income and growth of RDC.
• Extensively used RDC application to capture images via scanner.
• Oversaw OFAC alerts and customer screening.
• Attended periodic training to maintain high level of AML/BSA/OFAC knowledge.
• Audited Wealth Management.
• Reviewed Subpoenas as well as Suspicious Activity Reports (SARs) for accuracy and made additional recommendations as necessary for SAR filings.
• Performed audit and analysis of client records including bank statements and did a sampling of all transaction details for business, personal and wealth management accounts.
• Communicated Audit findings to management and implemented plans with appropriate Audit Management that will adequately remediate any identified control weaknesses or gaps.
• Conducted special studies, investigations on a variety of matters at the request of Senior management; wrote reports, including findings and made recommendations.
• Translated documents from Spanish to English as needed.

Confidential

AML/ BSA Auditor QA

• Investigated and assessed alerts for potential High Risk money laundering risks in the Bank.
• Ensured efficient identification and monitoring of suspicious activities and transactions.
• Ensured System based monitoring for PEP accounts were implemented.
• Maintained a current understanding of money laundering and terrorist financing issues, including policies, procedures, regulations, industry best practice, criminal typologies and developing trends.
• Monitored and reviewed focal entity and counterparty’s international and domestic wire accounts and made recommendations for further investigation or closure.
• Made certain case/ alert investigation was completed by ensuring accuracy of data collection and documentation, which involved reviewing prior historical alerts, case investigations and SAR history.
• Assisted and provided information to support SAR recommendation and/ or equivalent for regulatory filing.

Confidential

AML/ BSA/ KYC / OFAC/ RDC Auditor QA

• Assessed High Risk Latin American customer’s bank accounts for potential money laundering.
• Investigated potential Money Laundering and Sanctions financial activity across client business lines.
• Performed a variety of daily tasks; monitored and analyzed RDC checks/ deposits; performed routine daily tasks of exception queue monitoring, and participated in special department projects.
• Conducted analysis of RDC via computer terminal programs and/ or various reports to verify transactions, track trends, usage and reporting.
• Investigated potential OFAC violations, money laundering and fraudulent financial activity across client business lines.
• Maintained OFAC hit and daily outstanding items logs.
• Monitored and reviewed focal entity and counterparty’s international and domestic wire accounts, and made recommendations for further Investigation or closure.
• Assisted and provided information to support SAR or equivalent for regulatory filing.
• Worked with the following banking software systems for verification of researched entities/ individuals: HALO, World Check, FTMON and Customer Assist; Utilized Google News to look for possible negative news on focal entities and counterparties.

Confidential

Project Manager Sox Internal Auditor

• Planned and tested external and internal audits, and ensure SOX compliance for banking and financial services providers, Performed testing around deposits, loans, investments, domestic and international wires.
• Evaluated the internal control measures and procedures for SOX requirements and standards and report the non-complying areas.
• Oversaw the external audit process and ensured the proceeds were authorized as per the SOX requisites. Efficient at drafting reports and presenting complex data in simplified version.
• Ensured the organization maintains and files the necessary accounting statements, reconciliation, revaluation and audit report, as required by SOX regulations.

Confidential

Collateral Review QA Auditor

• Evaluated and tested collateral files to determine conformity and compliance with all regulations and guidance, and secondary mortgage market standards.
• Reviewed, evaluated and analyzed member’s purchase, servicing and custodial agreements encumbering pledged collateral to determine impact to eligibility and perfection of interest.
• Maintained proficiency in the knowledge, expertise and review of cooperative share loans and documentation. Cross-trained all collateral staff as needed.
• Reviewed Custodian bailee letters and instructions; Approved and coordinated with the Custodian, the shipment of the Loan Notes to the approved take-out investor; Recorded approvals and shipping data into Salesforce warehouse loan management system.
• Corrected assignment and endorsement chains for security eligibility and/ or sale liquidation. Looked at Flood, Respa, TIL, FCRA and ECOA.
• Audited entire credit packages and collateral for residential mortgage loans to ensure an investment quality loan product. Cured Title deficiencies and work with attorneys, title agents, and/ or former lien holders, their successors or assigns to determine both the correct chain of title and the plan for correction.

Confidential

QA Forensic Auditor

• Conducted comprehensive audit and file reviews of residential foreclosures as part of a Federal Regulatory mandate to identify financial harm to Borrowers according to Confidential A-G & H (Harm) determinants in QA, extracting data to evaluate a Mortgage Service’s performance.
• Audited Harm files for California NOD, Foreclosure Reinstatements & Fee’s and Cost. Hand selected to participate in special projects to evaluate sample testing procedures for enhance quality control, results delivered directly to the Program Manager.
• Conducted comprehensive audit and file reviews of residential foreclosures as part of a Federal Regulatory mandate to identify financial harm to Borrowers according to Confidential A-G determinants in QA, extracting data to evaluate a Mortgage Service’s performance.
• Verified adherence to proper procedures for Fee calculations, Bankruptcy protection, Foreclosure and Loan Modifications according to Federal/State law, Bank policy, Investor guidelines and SCRA requirements. Also would look at Flood, Respa, TIL, FCRA, DFAST and ECOA.
• Performed appropriate data quality management on raw and semi-processed data. Supported the establishment of guidelines for reconciliations across Finance, Risk, Regulatory Reporting, Data and Technology; documenting reconciliation to provide transparency for auditors and regulators; Identified and escalated issues with the reconciliation process, taking part in projects to enhance systems and processes as required.

Confidential

Project Manager

• Responded to the US Treasury in a timely manner.
• MHAC 1st Look responses, 2nd Look responses and Final responses are updated documents sent to the US Treasury for compliance, extracting data to evaluate Mortgage Servicer’s performance.
• Ensured operational processes and controls were adhered and in compliance with investor guidelines upon review.
• Conducted reviews of previously approved Hamp and Bau modifications for accuracy of decision.
• Supported audit and review functions through data analysis and data mining.
• Worked closely with Loss Mitigation & Default business units.
• Reviewed Underwriter’s final income calculations per Confidential and Confidential guidelines.
• Attended regularly scheduled calibration calls with internal Line of Business managers to discuss any failed income calculations and discuss those findings for a final outcome.
• Provided a thorough quality review and analysis of previously underwritten modification loans.
• Reviewed analyze borrower documentation for other loss mitigation options.
• Managed all system access (Chase servicing, underwriting and third party vendors) as well as security clearance for twenty-five staff members reaching full production capacity within one and a half week.
• Analyzed pipeline and determine workflow priorities. Delivered an average of 8 files reviews per staff per day, above the 4.5 required.
• Attended Credit Risk meetings for Portfolio and process updates.
• Communicated QC and process updates to staff.
• Directed Reporting to the Credit Risk executive team.
• Made appropriate decision per investor and company guidelines.
• Provided accurate disposition on all Loss Mitigation campaigns including HAMP, HAFA, FNMAE, Chase and other private investors. This project focused on both MBS and Whole loan assets and MHAC Treasury Response Team.