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Click here or scroll down to respond to this candidateCandidate's Name
EMAIL AVAILABLE PHONE NUMBER AVAILABLE LINKEDIN LINK AVAILABLESeasoned compliance and loan specialist professional with over 20 years outstanding compliance areas of expertise and unparalleled skills in banking regulations incorporating all phases within the mortgage industry. Partner strategically with various stakeholders to produce organizational success and thrives in demanding fast paced environments. Bilingual/English and SpanishRecognized ForLeadership CollaborationCustomer Loyalty DecisivenessAreas of ExpertiseEscalationChange ImplementationInvestor RelationsLoan ConversionsCommercial and Consumer Loan ComplianceManagement and LeadershipProject Management SkillsInternal Controls andProceduresCollaborating with BusinessTeamsSpear Heading of Business RulesDue Diligence and Remediation. Post Closing SpecialistCustomer Service ExcellenceMortgage ServicingFISERV DNA LOS/Jack Henry
Silverlake - EncompassKey AccomplishmentsAt major financial established enterprise-wide programs which successfully rescinded bank regulatory actions, such as Federal Disaster Protection Act, (FDPA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) and Real Estate Real Estate Settlement Procedures Act, (RESPA).Implemented risk assessment firm wide programs for JP Morgan and IDB adjusted ratings to industry standards.Established a Client Complaint Tracking System with root cause analysis, greatly decreasing customer complaints.Successfully purchased through bulk-sales, loans from government receiverships, adding to banks loan growth by 25%.Professional ExperienceUnion Savings Bank, New Milford, CT April 2023 to PresentTrust Compliance Officer Wealth Management DivisionReview and onboard new deposit accounts trust, custodial and investment management accounts.Review and update policies and procedures.Responsible for compliance calendars and reporting to trust committees.Provide regulatory guidance to investment officers.Manage IRA and Pensions account relationships.QC new accounts for regulatory compliance.Fieldpoint Private Bank and Trust, Greenwich, CTFinancial bank servicing private wealth clients, offering commercial and deposit services.Vice President - Loan Servicing Operations/Post Closing September 2021 to January 2023Restructured Loan Servicing Department including overhaul of policies and procedures.Collaborated with Investors, to ensure closing packages were ready for submission. Responsible for issue resolution to close files timely. Escalated errors to management.Performed compliance reviews of policies and procedures, with tested case results and audit findings.Instituted a record retention program to comply with retention policies.Down scaled post-closing issues such as missing titles, recorded mortgages, assignment from 500 items to 125 items in a period of 8 months.Purchased 30-year loan portfolio for $18MM.On committee to change Libor loans to SOFR rates.Performed lookback for 285 arm products for interest rate adjustments.Proficient in Commercial Lending and Wholesale BankingRevised over 60 policies and procedures, complaint with regulatory updates, required quarterly attestation from staff.Created projects around 3 key findings (vendor onboardings, Interest Rate adjustments, FDPA reviews) including target maps, LOB weekly meetings, accountability, and attestations. Finalized with presentation and closed cases.United Nations Credit Union, Long Island City, NYVice President AVP - Loan Servicing Operations March 2018-April 21Managed a staff of 20, achieving service level agreements (SLAs) over 98% in customer service, complaint tracking, payment of taxes and insurance and document retention.Lead a staff of 4 post closing staff collaborating closely with FannieMae and Freddie, and private investors.Proven ability to managed new tax and insurance vendors with SLA performance metrics.Liaison between Loan Operations and Loan Servicing, mitigating onboarding issues and special projects.Introduced due diligence and contract negotiations for vendor onboarding.Instituted FHLMC servicing and selling for loan operations.Expanded customer service department, including a robust case management system to provide high-quality service.Developed and provided oversight for risk assessment in loan servicing functions.Created procedures for Post-Closing Correspondent Lending and other investors.Developed project plans for FHLMC onboarding, including all pertinent LOBs, including training and monthly reporting.Other Notable EmploymentIDB, NEW York, NYCommercial BankFirst Vice President Compliance Manager March 2017-March 2018JP Morgan Chase, New York, NYVice President, Compliance Manager February 2013-March 2017Hudson City Savings Bank, Paramus, NJVice President, Compliance and Loan Operations August 2010 -February 2013Mizuho Corporate Bank, New York, NYVice President, Compliance and Loan Operations May 2004-August 2010EducationBS, Marketing, May 2003Mercy College, Dobbs Ferry, New YorkCertificationsCertified Anti-Money Laundering SpecialistACAMS, September 2007Professional DevelopmentACAMS Membership, ACAMS, 2022, Regulatory Compliance, MBA, 2017, Bank Secrecy Act, MBA, 2017 |
