Banking professional with 13 years of experience in conducting various audits and risk assessments within operations. Strong investigative skills and work ethic. Identifies potential suspicious activity and deficiencies. Completes and
accurately documents steps taken through the investigation process. Works with internal
groups to ensure consistent understanding of requirements and regulations as well as maintain proper reporting in compliance with established regulatory guidelines and time
frames. Provides regular feedback to ensure proper training of staff. Ensures
implementation of action plans and tasks to mitigate risks identified during
any audit process.
Strong customer relations and interpersonal skills
Practices due diligence
Strong research skills
Experienced Compliance Officer
Strong interfacing with regulatory and government agencies, attorneys and third parties.
Risk analysis and reporting
Microsoft Office Suite
Accounting systems-VLS, CMS, VAD Recovery 1 and Lemans
11/2011 to 06/2013
Legal Compliance OfficerJP Morgan Chase – Columbus, Ohio Works closely with the Banking Executive Office, attorneys, senior executives, mortgage customers,
regulatory agencies, third parties and different lines of business. Identifies and helps resolve compliance and control issues.
regulatory exams of regulations, policies and procedures. Works with line of business management to respond to issues,
helps develop corrective action plans and monitors completion of actions.
Conducts testing or monitoring of policies and procedures.
Review of FDCPA, Fair Credit Reporting Act, Anti-Money Laundering, Bank Secrecy Act and Privacy Act and various bank policies and procedures to ensure compliance of federal and state laws and regulations.
Expertise and familiarity in consumer lending issues, including Truth in
Lending, RESPA, Flood Determination, Reg. B, initial disclosures, HMDA, Fair
Lending, Predatory Lending, Collection charge-offs. Reg O, and Reg W.
Gathers data from an internet-based corporate complaints database known as WebER, analyze and interpret the results, then present findings and recommendations to management either verbally or in written format.
Handles escalated calls from customers and third parties, and assures timely resolution to the issue.
Works with the MBEO to ensure appropriate and adequate response to escalated customer complaints including review of fair housing complaints and FHA violations
Reviews responses to escalated complaints for substantive issues.
Monitors escalated complaints. High risk escalated complaints are identified and the Manager works with the MBEO and the Legal and Compliance Department to formulate appropriate responses.
Identifies and provides guidance and support for high risk escalated complaints for both Servicing and Origination.
Identifies risk trends, root causes and
Provides feedback and prescribes corrective
action to the business teams as appropriate.
Interfaces with regulators, OCC, attorneys, and
customers when necessary with response to audit results and follow up
Provides monthly reports as requested by the
Coordinates and delegates case assignments with
various reporting methods.Conducted quality and risk calibration sessions
with senior management to discuss root-cause process deficiencies within
the line of business.
Participates in process improvement and writing
policy guidelines and procedures with senior management and
Attends weekly meetings, conference call and required bank training sessions in order to stay abreast of internal and regulatory requirements.
04/2011 to 07/2011
Business AnalystMastech, Inc – Columbus, Ohio Assisted KPMG on the Service Members Civil Relief Act (SCRA) Remediation Project. Assisted Chase Subject Matter Experts (SMEs) on adhoc requests, for example research, quality checks and data review.
Analyzed military loans active since 2005 to determine by individual order eligibility of interest rate protection under the Service Members Civil Relief Act (SCRA) and Housing and Economic Recovery Act of 2008.
Consistently met and exceeded the daily production goals.
Assessed auditing controls and risk-management goals to recommend solutions optimally suited to client needs.
Auditing & Quality Assurance of Military Orders.
Critically evaluated information gathered from multiple sources to determine mortgage eligibility for interest rate reduction Carefully audited previously reviewed mortgages to confirm eligibility decision on interest rate reduction.
Used critical thinking and problem solving skills to understand procedures on applying the Service member's Civil Relief Act (SCRA) to specific military.
05/2009 to 07/2010
Business Banking Risk/Collection AnalystJPMorgan Chase- Business Banking – Akron, OH Performed collections servicing activities for open business purpose loans, graded watch or better, for the purpose of preserving the loan principal, collecting interest and preventing the loans from being charged off.
Contacted business clients to determine the cause of delinquency discusses possible solutions and negotiated payment arrangements.
Evaluated credit, data analysis and collateral strengths and weaknesses Recommended loan restructure, settlements and legal action when appropriate.
Followed-up with borrowers to ensure negotiated payment arrangements are made within the agreed upon time frames.
Performed data analysis and worked with data warehouses.
12/2001 to 04/2009
Senior Office Administrator/Project ManagerWord of Life Ministries – Akron, OH Established and organized office operations, standards and procedures Trained and supervised office staff. Primary contact with other non-profit organizations and groups.
Reviewed and approved supply requisitions.
Assigned jobs and duties to office staff as needed. Updated and maintained membership demographics and fees Performed daily office duties- maintaining records and book keeping.
Ordered and purchased office supplies and equipment.
Assigned and monitored special projects.
Facilitated weekly staff meetings and conference calls.
Designed and implemented office policies.
Ensured protection and security of confidential files and records and ensured filing systems are maintained and up to date.
Controlled and distribute mail correspondence.
Handled all bank deposits and business depository account setups.
Performed other related duties as needed.
12/2000 to 05/2005
Quality Assurance Manager-OfficerJP Morgan Chase – Akron, OH Senior quality and risk resource within the collection groups for Real Estate and Auto division.Collaborated with senior management and corporate audit department to facilitate process improvement recommendations.
Coordinated and participate in process improvement project initiatives with senior management.
Handled inquires and audits requested from the OCC and various other outside third party agencies.
Responsible for coordinating and conducting audit assessments of the loan operations functions (collections and/or loan servicing).
Determined, communicated and implemented adequate controls and data analysis within the line of business.
Reported findings to senior management as well as various banking partners.
Identified and elevated activities and processes that potentially jeopardized the future revenue stream of the business unit through detailed reporting of the file/process reviews.
An operational understanding of consumer lending with background in real estate and non-real estate products.
(VLS, Lemans, Recovery 1, CMS & VAD)
Managed NICE administration and Risk assessment
Performed data mapping, data analysis and data
integration that included data access, extraction, movement,
transformation and loading.
Provided additional project level support to
the project team on an as needed basis to include organizing, scheduling,
facilitating project meetings, assisting with scope definition, issue
tracking and resolution.
Worked with the customers to streamline and
Provided technical recommendations and testing
Business ManagementUniversity of Cincinnati - Cincinnati, OH