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Click here or scroll down to respond to this candidateCandidate's Name
*Street Address *PHONE NUMBER AVAILABLEEMAIL AVAILABLEProfessional SummaryRegulatory Compliance Analyst II with eighteen years experience in the mortgage and foreclosure arena with exceptional skills in compliance risk, legislative interpretation and regulatory implementation.Utilizes analytical abilities, decision-making, problem-solving and interpersonal skills.Results-driven experienced Compliance Analyst II with multiple project coordination and time management skills.Demonstrate well-developed strengths in actively working with internal and external vendors and clients of all levels to analyze business needs and discuss in order to meet federal and state requirements.Ability to work independently without supervision in completing multiple assigned tasks.Diligent in enhancing challenging client relationships; and effective at implementing compliance solutions that maintain integrity of the compliance management system, meet regulatory standards and enact quantitative process controls.Provide excellent communication both orally and in writing to technical and non-technical audiences of various levels.Successful in collaborating with all levels of the lines of business for consistency in process, reporting, tracking, and methodologies.Successful at working under pressure in managing workloads to meet multiple deadlines.AREAS OF EFFECTIVENESSCoaching & On the Job TrainingAnalytical SkillsCommunication & DevelopmentQuality AssuranceTrackingReportingTechnicalProfessional ExperienceThe Money Source (TMS) Phoenix, AZ Dec 2019 PresentCorporate Compliance SpecialistManaged and handled 400 policies and procedures pipeline, job aids and matrices to ensure they are updated and aligned with SharePoint.Added, created and redlined the policies and procedures with any regulatory updates.Reviewed all policies and procedures for consistency, material changes and grammatical errors.Updated revision history to reflect the changes made to the policies and procedures.Monitored the policy and procedure queues daily to ensure the checklist items were moving forward to publishing.Opened the policy and procedure tasks for annual reviews and monitor through completion and final publishing.Updated the Level 10 and Policy and Procedures Tracker with the due date of the task, last updated date, annual review date, task number, pages and line of business owner.Managed and provided all changes received via email, or any communication from the investor, federal or regulatory to the lines of business within nine business days.Assisted the lines of business with questions relative to the policies or procedures requiring updating.Managed the Change Management queues to ensure applicability of regulatory changes that effects TMS operations and follow through to completion.Published the Change Management Weekly Wrap Up to Unicornopolis each week of the federal and regulatory changes received.Ditech Financial, LLC. Jacksonville, FL May 2014 Oct 2019Business Control Risk Compliance Analyst IIParticipate in the expansion of existing compliance testing and assist in new areas of testing based on applicable regulations.Conduct monthly and/or target reviews to ensure compliance with federal regulations and state laws.Perform department testing to ensure adherence of Ditechs Policy and Procedures, Client Protocols, FNMA, FREDDIE MAC, FHA, State and Federal Guidelines.Develop and execute robust compliance testing to include; defining the scope, determining the population and sample, analyzing the data, summarizing results, obtaining response/action plan from the business on all reviews with a less than satisfactory rating, recommend procedural changes and/or policy updates, and, if appropriate, assist with implementation and follow up.Review the root cause and trend analysis to provide final decisioning analysis on rating of the servicing exception reports and/or compliance testing reviews.Partner with the business providing clarification and/or suggestions designed to ensure adherence of Ditechs Policy and Procedures, Client Protocols, FNMA, FREDDIE MAC, FHA, State and Federal Guidelines.Recognize and identify potential customer experience risks and review with Sr. Director for conclusion.Assist Sr. Director with a variety of complex compliance special projects and initiatives, including but not limited to; portfolio due diligence, project management, and off-site servicing audits.EverBank Jacksonville, FL Jun 2012 May 2014Loss Mitigation Review Specialist Aug 2013 May 2014Ensured all loss mitigation denial processes are in compliance with the OCC, CFPB, investors, insurers and other regulatory entities.Identified and implemented process changes to minimize financial loss.Reviewed investor/agency policies and ensure they are implemented into audit programs.Reported audit findings, resolutions, issues of compliance, trending, and communicated recommendations to management.Default Risk Review Analyst Feb 2013 Aug 2013Identified and implemented process changes to minimize financial loss and exposure to EverBank.Ensured all loss mitigation, foreclosure and bankruptcy processes were followed within state regulations.Performed audit findings, resolutions, and policy compliance issues in accordance with OCC guidelines.Identified staff development and training needs and ensured that training is scheduled and provided.Vendor Management Coordinator Jun 2012 Feb 2013Conducted detailed foreclosure and bankruptcy case audits to be reviewed by Sr. Management, Board of Directors, Compliance, OCC, and other regulatory officials.Evaluated monthly vendor performance and completed scorecard assessments based on identified time line quality performance goals and applicable state and federal law compliance.Provided findings and feedback to business partners and leadership.Assessed effective and adequate compliance with servicing requirements performed by other Default Units prior to foreclosure or bankruptcy action (i.e. Loss Mitigation, Collection, and Foreclosure Review).Conducted performance discussions with vendors regarding improvement action plans, and expectations.American Home Mortgage Servicing, Inc. Jacksonville, FL 2009 2012Foreclosure SpecialistThoroughly reviewed and handled the additional fee and client escalation requests to ensure resolution within a 24-hour timeframe.Reviewed and responded to intercoms received from Lender Processing Services and attorneys.Reviewed reports to ensure the issues, holds, and escalated matters are handled accordingly and resolved in a timely manner.Serviced and maintained the portfolio for AL, CA, FL, GA, MO, NH, NJ, NY, OK, and VA.Lender Processing Services, Inc. Jacksonville, FL 2007 2009Foreclosure Specialist/Post SaleServiced and completed entire foreclosure process including timelines for FNMA and FREDDIE MAC.Selected for two special projects for Litton Loan Servicing and Countrywide Home Loans.Responsible for bidding instructions, judgment figures, reinstatement figures, escrow breakdown, and sales results.Reviewed and analyzed foreclosure packages and worked with attorney network to meet deadlines by diligently tracking attorney progress.Researched problems and recommended corrective action and/or follow up.Serviced, maintained, and monitored portfolio for the states of AZ, MO, NY, WV, and CT.EverHome Mortgage Company Jacksonville, FL 2003 2007Research Representative IIResearched and responded to written inquiries from mortgagors regarding their account activity.Reviewed correspondence regarding escrow activity, shortages, and monthly payment amounts.Assisted mortgagors in resolving account discrepancies. |
