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Click here or scroll down to respond to this candidateCandidate's Name
EMAIL AVAILABLE PHONE NUMBER AVAILABLELINKEDIN LINK AVAILABLESecond Line of Defense LeadershipDemonstrated excellence in development, implementation, and evolution of the operational risk management framework coupled with oversight of Wholesale Lending compliance activities for high-growth organizations. Accomplished and analytical professional with 15+ years of success in risk, regulatory compliance, and servicing operations within the financial industry. Recognized for achieving top positions in quality and productivity standings; crafting and executing risk library of operational processes, associated risks, and risk controls and RCSA; making critical decisions to drive positive change. Adept at creating and implementing risk and compliance testing and governance framework, setting short- and long-term strategic goals, devising and executing innovative strategic risk and compliance management services and solutions. Instrumental in leading high-quality risk control self-assessments from both Risk and Compliance perspectives, identifying key risks and associated controls, establishing risk assessment/testing programs for new products and processes, and defining qualitative/quantitative operational risk appetite/tolerance. Strategic leader with credible history of identifying, escalating, and remediating business unit risks by conducting in-depth analysis of business unit reports. Consummate relationship builder; excels at establishing and nurturing collaborative relationships with employees, management, stakeholders, and executives using exceptional relationship-building and communication skills.Areas of ExpertiseRegulatory Change ManagementRisk Control Self-Assessment (RCSA)Third Party Risk ManagementEnd-to-End Risk ManagementBusiness Continuity PlanningRisk & Attorney OversightPolicy / Procedure CreationProgram & Change ManagementComplaints ManagementIssue ManagementGap AnalysisCrisis Response ManagementStrategic Business AnalysisEmergency & Capacity PlanningTeam Building & LeadershipControl & QC TestingRelationship ManagementProcess ImprovementCareer ExperienceWells Fargo N.A.Sr. AVP Wholesale Lending - Business Aligned Compliance Officer (BACO) 2nd Line of Defense 2022 PresentRebuilt a significantly neglected Regulatory Change Management program by utilizing newer technologies and processes, creating a more succinct, less labor-intensive process, increasing production, and decreasing Regulatory Change Alerts time in pipeline.Developed critical relationships with other Business Aligned Compliance Officers (BACOs), Control Partners (CP), critical Line of Business (LOB) personnel, first- and second-line management, and Executive Management.Completed 26 hours of continuing education related to Compliance.Created a method of communicating applicable regulatory changes to BACOs, CPs, LOB Partners, Audit Partners, and staff and executive management through creative use of meetings and internal electronic communications.Participated in multiple RCSA end-to-end workshops, each presented to the Challenge Review Board and accepted.Signature Consultants (Contractor) 2022 - 2022AVP - Commercial Capital - Third Party Compliance Risk Officer Wells Fargo, N.A. (Hired by Wells Fargo)2nd Line of DefenseEngaged in Regulatory evaluation of over one hundred thirty Third-Party Service Providers under contractual obligation to provide services on behalf of Wells Fargo. I conducted Customer Facing Assessments (CFA), Initial Regulatory Questionnaires (IRQ), Compliance Regulatory Review Assessments (CRRA), and Third-Party Compliance Monitoring Tool (TPCM) reviews. These reviews I performed to identify regulatory risk and develop mitigating controls that are integral to Risk and Control Self-Assessments (RCSA).Championed a collaborative effort to design and implement a Third-Party Service Provider metrics program. Developed and implemented performance thresholds and measurements. This is in conjunction with designing and developing a Third-Party Service Provider Performance Improvement Plan process. This provided a standardized framework of steps to implement when a Third-Party Service Provider performed below threshold.Selected by Executive Management to complete compliance risk reviews for all Commercial Capital Marketing Materials. Reviewed for accuracy, Regulatory Compliance such as UDAAP, and elimination of Discrimination and Hype. Responsible for ensuring appropriate Legal Disclaimers and Terms and Conditions were included as well as acceptable sourcing of data. These regulatory reviews encompassed brochures, pamphlets, flyers, pitchbooks, sales aids, and various other marketing documents designed to be shared with existing and potential clients and customers.Caliber Home Loans, Coppell, TX (Remote) 2020 2022AVP Operational Risk Core and Default Servicing and Originations - 2nd Line of DefenseOversee and monitor operational risk governance within companys Enterprise Risk Management framework as part of Operational Risk Management team.Review in-line business unit reports for identification, escalation, and remediation of business unit risks.Support the SVP of Operational Risk with defining short- and long-term strategic goals for Operational Risk Management department.Deliver advice on remediation of regulatory findings, resolving any inconsistencies, and ensuring timely resolution. Cultivate strong relationships with various stakeholders (IT, Compliance, Risk, Business Controls, BCM, and LOB) through management routines, analytics, inspections, and governance.Set and maintain qualitative/quantitative operational risk appetite and tolerance with relevant metrics at divisional level. Uncover areas of improvement in existing processes, methodology, and policies, while identifying gaps and recommending enhancements.Recommended best-in-class, innovative, and pragmatic solutions for risk and control issues with stakeholders.Played vital role as subject matter expert for issues management through initiative-taking data analytics for analysis of control issues and emerging risks.Crafted and performed validation testing of Issue Management Action Plans (MAPS) control design and testing of control effectiveness for assigned areas.Provided Risk review for Single Point of Contact marketing and customer correspondence materials to mitigate financial, operational, and reputational risk. Guarded against actual or potential discrimination (UDAAP) and ensured appropriate legal disclaimers and terms and conditions were correctly applied.Fulfilled departmental review and update of all Risk Management Policies and Procedures.Fannie Mae Plano, TX 2015 - 2019Servicer Operations Support Specialist IIIServed as first point of contact for all customers with expertise in all aspects of Fannie Mae, including technology, underwriting and origination, acquisitions, delivery, servicing, investor reporting, AR/AP, legal/policy, liquidation, property preservation, and REO sales. Functioned as subject matter expert on 900-page Fannie Mae Servicing Guide encompassing all facets of loan servicing. Examined customer issues to formulate accurate solutions as per guideline requirements.Top-ranked in departmental quality standings 2017 and 2018 and in departmental productivity standings 2019.Devised operational procedures and standard work documents and drove management adoption of WoW (Way of Working) management philosophy from design and implementation through maturity assessment.Fulfilled departmental review and update of all Servicer Operations Policies and Procedures and worked with Legal to review and provide feedback for updates to the FNMA Servicing Guide.Additional ExperienceFannie Mae, Plano, TX 2014 - 2015Claims Specialist III Servicer Expense Reimbursement ClaimsFannie Mae, Plano, TX 2010 - 2014Loan Servicing Specialist I Making Home Affordable HAMP Solutions TeamEducationBBA - Marketing and Business Operations ManagementTexas A&M Commerce (formerly East Texas State University) Commerce, TXTechnical SkillsArcher, SharePoint, Equator, Salesforce, LoanSphere, MSP, Sagent, Citrix, ACES, Tableau, Visio, MS Teams, MS Excel, MS Access, MS Word, MS PowerPoint, MS OneNote, Visio, Visual, IR/2, Adobe Acrobat Pro.Regulatory & PolicyADA, Anti-Money Laundering, Bankruptcy Law, CARES Act, CFPB Title XII, ECOA / Reg B, Fair Housing Act, FCRA / FACTA / Reg V, FDCPA, FDPA, HMDA / Reg C, HOCA, HPA, EFT / REG E, GLBA / Reg P, OCC, RESPA, RFPA, SCRA, TCPA, Telemarketing Sales Rule, TILA / Reg Z, UDAAP, Fannie Mae Servicing Guide, Freddie Mac Seller / Servicing Guide, FHA SFH Policy Handbook, USDA Servicing Guide, VA Servicer Guide, COSO, Various State and Local Laws. |
