Montgomery Street, San Francisco, CA94105(555) 432-1000, resumesample@example.com
Summary
Experienced professional with a unique combination of managerial experience, business leadership capabilities, organizational skills that balance work, team support, and ad-hoc responsibilities.
Highlights
LSAMS (CCS), E-Oscar (Metro I and II), Peele, Microsoft Excel, PowerPoint, Access, Outlook, People Soft, Epiphany, Lotus Notes, MySup, AS400, FiServe, LookingGlass, VMA, 24 Carat, XNET, Equator, VQ Audit, CMS, SnagIt, 10-Key by touch, SQL (beginner), Davoxx, Avaya
Regulatory Compliance Requirement Experience: RESPA, BSA, AML, UDAAP, CFPB, FCRA, FDCPA, FHA, HMDA, TILA, GRAMM-LEACH BLILEY ACT, EFTA, ECOA
Experience
2011 to 02/2015Compliance AnalystNorthstar Financial Services Group Llc | Seattle, WA,
Kept abreast of regulatory changes, compliance issues and risks, industry standards and best practices
Monitored state and federal compliance regulations maintained under the direction of the CFO, the Compliance Policy and Procedure Manual
Supported compliance vendor integration and activity
Assisted in the development and implementation of annual Compliance training content based on regulatory requirements and risk-based prioritization
Assisted with coordinating materials for lending compliance audits and examinations
Contributed as needed to compliance department projects while increasing general compliance knowledge
Worked cooperatively with other departments to guide and assist on regulatory compliance matters
Assisted in completing state and federal exams
Tests for accuracy of control systems
Provided written testing results
Conducted risk-based reviews identifying compliance risks and gaps
Conducted agent level audits covering all areas of servicing
Completed required department monthly deal audits
Provided weekly and monthly feedback to the business unit to assist in performance improvement initiatives
Reviewed and evaluated current procedures and trends to increase efficiency and ensure policies were within compliance
Participated in ghost monitoring, side-by-side monitoring, and listening to calls when necessary to diagnose opportunities for quality improvement
Maintained Mortgage Servicing procedure and processes when necessary
Performed other duties as assigned.
2008 to 02/2011Credit Bureau Reporting ManagerCharles Schwab Corporation | La Jolla, CA,
Handled complex customer escalations via phone and written correspondence C
Conducted employment interviews/terminations
Scheduled and monitored daily team work-flow assignments
Ensured compliance with federal laws and company guidelines were in order to minimize losses and legal concerns
Provided daily coaching and feedback to associates
Conducted monthly associate call monitoring and account auditing
Provided assistance with the Compliance/Legal department regarding the deletion of accounts pending lawsuit demands
Submitted AUD's and ACDV's for current, delinquent, SCRA and bankruptcy accounts as needed
Assisted outside vendors with updated automation of the current system program(s)
Provided leadership, team building and cross training within the department
Managed inbound and outbound correspondence to enhance customer service processes
Created measures to enhance employees satisfaction and enhance company profitability
Ensured policy and procedure manuals were up to date and current
Performed other duties as assigned.
05/1998 to 04/2007Mortgage UnderwriterHomecomings Financial | City, STATE,
Responsible for assessing the risk of loans and making an approval or decline decision based on the quality of the data in the loan file
Reviewed and ensured data integrity to confirm the accuracy of automated underwriting findings
Applied all internal underwriting guidelines, investor requirements and federal regulations to the decision process to ensure loan quality
Analyzed and verified employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each loan application Interacted with
Mortgage Professionals to obtain information from the borrower or to seek clarification about documents in the loan file
Communicated required conditions and stipulations, and provided assistance to expedite the final approval of a file
Provided strong and clear communication to processors, underwriters, mortgage professionals and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time
Provided training and assistance to Underwriter I employees
Adhered to all applicable internal NPI policies and procedures, and protected the confidentiality of borrower information
Performed other duties as assigned
05/1995 to 05/1998Payoff Account ManagerCapstead Mortgage Corporation | City, STATE,
Processed assumptions and partial releases
Responsible for payoff of accounts and department concerns via telephone and written requests
Responded to Presidential Complaints and Regulators concerns
Updated staff on all regulatory and statue changes and updates
Sent collection letters for NSF's and stop payments on accounts
Managed collection of funds for short payoffs
Responsible for the release section of outside counsel and staff to ensure timely and accurate release of lien process
Setup and removal of escrow accounts
Processed PMI setup and removal based on requirements
Setup modification agreements
Ensured tax bills were paid in a timely manner
Managed all monthly quality monitoring and identified risks and gaps
Managed training for new hires within the Correspondence and Payoff areas of the Customer Service Department
Completed daily and monthly reports to track open, completed and closed tasks to ensure all correspondence and payoff were within compliance guidelines
Processed work-flow queue and/or questions from the customer service department
Performed other duties as assigned.
Education
Expected in November 2007Master of Science | Business AdministrationUniversity of Phoenix, Dallas, TexasGPA:
Business Administration
Expected in MBA | , , GPA:
Expected in July 2004Bachelor of Science | Business ManagementUniversity of Phoenix, Dallas, TexasGPA: Business Management
Skills
10-Key by touch, AS400, auditing, automation, Avaya, CMS, coaching, compliance audits, content, credit, Customer Service, direction, funds, ghost, team building, leadership, Legal, Regulatory Compliance, letters, listening, Lotus Notes, materials, Access, Microsoft Excel, Outlook, PowerPoint, mortgage loan, NSF, People Soft, policies, processes, processors, quality, quality improvement, quick, Requirement, SQL, tax, telephone, phone, Underwriter I, underwriting, workflow, written
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