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Click here or scroll down to respond to this candidate Candidate's Name
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Professional Background
Wells Fargo October Street Address to Present
Business Execution Consultant
Lead cross functional teams to strategize, plan, and execute a variety of programs, services, and initiatives.
Reviewed and analyzed suspicious, potentially fraudulent, and unusual activity patterns. Determined the
necessity of escalation and drafted SAR reports when warranted, ensuring compliance with AML regulations.
Driving accountability for assigned initiatives, mitigating risk exposure, and creating operational efficiencies by
implementing best practices and innovative AML and KYC solutions.
Make decisions in highly complex and multifaceted situations requiring solid understanding of business
group's functional area or products, facilitate decision making and issue resolution, and support
implementation of developed solutions and plans.
Reviewed and assessed strategic approaches and the effectiveness of support functions and business
performance, ensuring alignment with organizational goals and regulatory requirements.
Perform assessments through fact finding and data requiring creative approaches to solving complex issues
and develop appropriate solutions or recommendations.
JP Morgan Chase Bank January 2021 to May 2022
Risk/AML Analyst
Provided internal orientation, consultation, and training in the application of policy
development/implementation and regulatory compliance, ensuring adherence to AML and KYC regulations.
Collaborated with Enterprise Privacy in the development and implementation of effective internal operating
polices and best practices.
Performed testing and analyses for Personal Lines Compliance, to ensure all business partners complied.
Validated all operational risks and internal controls had been properly identified.
Evaluated the adequacy of designed controls and assigned areas of responsibility, with a focus on AML and
KYC compliance.
Summarized and presented analysis and findings to senior management for assessment of each Line of
Business's performance and remediation steps as needed.
Perform high risk/complex investigation activities through the examination of transactions across region,
collecting, analyzing, interpreting, and verifying information to provide a consolidated/coordinated view of the
alerts reviewed.
SitusAMC September 2019 to July 2020
Risk Analyst
Collected data and performed trend analysis to preemptively address potential state and federal regulatory
compliance deficiencies.
Reviewed, investigated, and responded to consumer complaints made to various state and federal regulatory
agencies such as the Better Business Bureau and Consumer Financial Protection Board.
Drafted and implemented policy and procedure manuals for recently developed internal processes.
Reviewed and assisted Loss Prevention investigations, with a focus on AML and counterparty risk
assessments.
Drafted and implemented policy and procedure manuals for recently developed internal processes.
Developed company procedures for reviewing and analyzing compliance-related complaints and deficiencies
found in field operations.
Consulted and provided data and documentation for federal investigatory review(s).
Conduct in depth research using World Check, Confidential and Accuity on each entity involved in a
transaction, specifically looking for existing derogatory information.
National Mortgage Staffing/Opus May 2019 to August 2019
Financial Analyst
Audited contractual documents for accuracy and compliance with policy, ensuring adherence to investor
guidelines.
Interpreted and applied underwriting policies and procedures at an investor level, ensuring consistent
application across all transactions.
Reviewed all borrower correspondence for accuracy and compliance with relevant regulations and policies.
Managed various order requests for data collection related to the loss mitigation review process.
Ensured that Loss Mitigation Underwriting and Single Point of Contact operations were in full compliance with
investor, agency/insurer, FHA, VA, and private mortgage insurance provider guidelines, preventing monetary
losses from non-compliance.
Verified that employment history, income sources, assets, and debt obligations conformed to policy, ensuring
accuracy and reliability of borrower information.
The CSI Company/BB&T September 2017 to June 2018
AML/Risk Analyst
Responsible for investigative research, root cause analysis and consulting regarding highly complex financial
crimes transactions, policy violations and/or suspicious situations with low, moderate, and high risk.
Conduct investigative research using appropriate investigative techniques to determine risk.
Perform detailed analyses to detect patterns, trends, anomalies and schemes in transactions and
relationships across multiple businesses/products.
Review and analyze investigative findings and make recommendations based upon outcomes.
Draft corrective action plans and assist in managing change to prevent/mitigate risk.
Perform risk analysis and modeling as a precursor to building financial crimes strategies.
Perform detailed analyses, maintain required documentation, and file Suspicious Activity Reports (SARs).
AIG/United Guaranty September 2015 to March 2017
Compliance/AML Analyst
Completed analysis of transactional information to identify risk, trends and potential wary activity. Performed
the required KYC screenings on customers documenting the information obtained on the client's as required
by global KYC procedures.
Ensuring compliance with all AML laws, regulations, guidelines, written procedures; OFAC, CIP, KYC,
customer/transaction monitoring.
Effectively conducted AML /KYC formality reports on questionable accounts and transactions.
Improved and implemented customer risk rating criteria with KYC management and procedure for both
consumer and corporate customer.
Assisted in the handling of informational requests submitted under the USA Patriot Act Identified accounts for
high risk or negative information using World-Check and OFAC.
Collected and documented data including SAR history KYC information and Transaction data.
Idecomm Global Services April 2015 to July 2015
Compliance/BSA Analyst
Perform loan level due diligence reviews on residential loan pool acquisitions by reviewing historical notes
from servicing, to determine the current status of an asset to identify adverse findings and recommend
potential drops.
Consistently review third party services (valuation, fraud, compliance) to provide valuable input for loan
decisions.
Create detailed chronology report of events that lead to untimely claim submission by interviewing third party.
Compile data and calculate timeframes of financial and legal document submission.
Complied with regulatory requirements, including the Bank Secrecy Act, Fair Credit Reporting, UDAAP, Anti
Money Laundering, OFAC, USA Patriot Act, and HMDA.
Clayton LLC May 2013 to August 2013
Compliance Analyst
Submitted rate and form submissions per assigned States.
Reviewed all rates, forms and operating procedures to ensure they're in compliance with state laws and
regulations per assigned States.
Licensed and appointed agents for the company and ensured that service of process agents were appointed
and maintained for all states.
Appointed Directors and Officers with applicable company changes.
Assisted with testing of new rates in the systems before rating plans were put into production.
Drafted policy forms and endorsements, and prepared regulatory submissions of new and revised rates and
forms to the State Insurance Department.
Prepared the regulatory submissions of new and revised rates and forms to the State Insurance Departments.
Reviewed new, proposed and regulations to determine the impact to the company and established
procedures to notify the affected areas.
Citi August 2012 to January 2013
Compliance Analyst
Monitored and communicated with internal and external customers regarding regulatory changes that
impacted the client's product and services.
Interfaced with legal counsel and federal, state, and local agencies, as needed to resolve regulatory issues.
Participated in internal education sessions promoting compliance awareness.
Additional duties include Conducts compliance assessments and provides direction on any deficiencies
resulting from scheduled product reviews.
Analyzed and collected all pertinent information needed to assess the risk to meet proper company and
federal guidelines.
Participates in development of compliance sessions/presentations.
Monitors and ensures timeline checkpoints are met for compliance projects.
Directs and approves internal and customer communications covering compliance issues (bulletins, position
statements, monthly reports, etc.).
SunTrust November-2010 to June 2012
Credit Analyst
Underwriting both conventional conforming and non- conforming loans. Extensive knowledge of Desktop
Underwriter, Loan Prospector, E-magic, Encompass and AU central underwriting systems along with manually
underwritten loans per FHLMC and FNMA guidelines.
Onsite client data acquisition using forensic imaging tools.
Underwriting GSA, FHA, VA and rural housing loan.
Resident expert in SQL on several database platforms
Create new tables, import, update and scrub data from multiple sources using SSMS, SSAS and Excel.
Currently backed by MGIC but also qualified and approved by PMI, Triad and RMIC mortgage insurance
companies.
Reviewed income documentation for salaried / hourly borrowers as well as self- employed borrowers i.e.,
business / partnership tax returns.
Closely reviewed property valuation reports for consistent and verifiable appreciation variables, verified that
value was reasonable for location, subject size and added features / amenities.
Analyzed delinquency, performed escrow analysis, analyzed modification scenarios and proposals, and
approved or denied loan workout.
Reviewed the recommended foreclosure prevention alternative offered to the homeowner to ensure all
investor/insurer guidelines are followed.
United Coastal Home Mortgage December 2008 to October 2010
Manager/Compliance Analyst
Perform underwriting of FHA, VA, rural housing and conventional loans. Review customer s credit income and
property information determine the acceptability of each loan request according to lender guidelines.
Personally responsible for underwriting of both manual and automated (LP/DU) residential home loans with
sign off authority of $2 million.
Work with processors and loan officers offering expertise and provided continuing education/training
regarding federal state and investor guidelines to staff.
Performed periodic post-closing forensic analysis on high-risk loan files to check for completeness and
accuracy, identified significant findings resulting from issues with quality of original underwriting and/or fraud
exposure, identified potential challenges within the underwriting process and/or department and made
recommendations for changes.
Maintained current and fluid knowledge of investor and agency guidelines.
Proficient with Federal Regulations to include ECOA, CRA, HMDA, TIL, REG Z, REG B.
Additional Experience
Charter West Mortgage, Southern Pines, NC
Credit Underwriter (October-2006 to Nov-2008)
Countrywide Home Loans, Raleigh, NC
Compliance Analyst/Underwriter (FHA, VA, and conventional loans) (May-2005 to September-2006
Licenses & Certificates
1998- Real Estate Broker License- Tom Daniel Real Estate School, Fayetteville, NC. 2000- Notary
2003- National Leadership Award- Congressman Tom Delay 2002- North Carolina MLO License
Academic Background
Central Carolina Community College, Sanford, NC. Business Administration and Marketing
Computer Programming Skills
Microsoft Word, Microsoft Excel, Microsoft Access, Microsoft PowerPoint, Access, SQL, XML, VMware and
Microsoft Outlook Express.
Operating systems: Windows9x, Windows2000, Windows ME, Windows XP, Windows Vista, Linux, CCH, BNA, Hudson
& Cook, UNIX, MS DOS, SDLC, Lexis Nexis, AS400, HomeBase, Case Tracker Edge and Underwriting systems (LP/DU).
Proficient with Financial Crimes Enforcement Network, Calyx, Signifyd, SAS, Quantexa, Encompass, Wells Fargo
Direct Express, AU Central underwriting, JIRA Issue Manager, Agile/Scrum/Kanban SDLC, Empower, LoanWorks,
Desktop Underwriter (DU) and Loan Prospector (LP).
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