Self-motivated Quality Assurance Analyst who possesses an extensive knowledge of consumer lending laws and regulations. Provide analytical insights to navigate complex situations, mitigate risk and create sound solutions.
Analytical professional with far reaching knowledge of Federal Consumer Lending compliance regulations. Exercise sound judgment. Good interpersonal communication skills that allow for a collaborative and effective relationship. | Keen ability to navigate a complex situation, identify weak points and offer a viable solution. Ensure integrity of confidential information. |
• First line testing and monitoring of Consumer Lending Originations with a primary focus on Federal regulatory requirements and internal lending policies.
• In the past 12 months, 4.6% of audited files did not adhere to the U.S.A Patriot Act's Customer Identification Program. Reported results and provided a sound corrective action plan to product line managers. Plan implementation was successful at mitigated the risk.
• In the past 12 months, 3.5% of applicants would have received an inaccurate adverse action notice. Reported results and provided a sound corrective action plan to product line managers. Plan implementation successfully mitigated the risk to the Equal Credit Opportunity Act and the Fair Credit Reporting Act requirements.
• Proficient with Microsoft Excel's Visual Basic for Applications. Developed, maintain and utilize Excel workbooks to retain testing results, identify trends and as a reporting tool for stakeholders.
• Create SAS Enterprise Guide stored processes in accordance with judgmental sampling methodology. Extracting pertinent files saves time and increases capacity for additional files to be audited.
• Identify process gaps that have the potential of causing regulatory deficiencies. Work closely with product line managers to validate gaps and offer solutions that are reasonable, cost-effective and within regulatory norms and practices.
• Maintain knowledge of regulatory requirements, to include, federal compliance requirements, as well as internal lending policies.
• Support the company in maintaining a work environment focused on quality, communication, collaboration, integration, and teamwork.
• Consistently deliver on-time, high-quality work.
• First line testing and monitoring of Consumer Lending Originations with a primary focus on Federal regulatory requirements and internal lending policies.
• In the past 12 months, 4.6% of audited files did not adhere to the U.S.A Patriot Act's Customer Identification Program. Reported results and provided a sound corrective action plan to product line managers. Plan implementation was successful at mitigated the risk.
• In the past 12 months, 3.5% of applicants would have received an inaccurate adverse action notice. Reported results and provided a sound corrective action plan to product line managers. Plan implementation successfully mitigated the risk to the Equal Credit Opportunity Act and the Fair Credit Reporting Act requirements.
• Proficient with Microsoft Excel Visual Basic for Applications. Developed, maintain and utilize Excel workbooks to retain testing results, identify trends and as a reporting tool for stakeholders.
• Create SAS Enterprise Guide stored processes in accordance with judgmental sampling methodology. Extracting pertinent files saves time and increases capacity for additional files to be audited.
• Identify process gaps that have the potential of causing regulatory deficiencies. Work closely with product line managers to validate gaps and offer solutions that are reasonable, cost-effective and within regulatory norms and practices.
• Maintain knowledge of regulatory requirements, to include, federal compliance requirements, as well as internal lending policies.
• Support the company in maintaining a work environment focused on quality, communication, collaboration, integration, and teamwork.
• Consistently deliver on-time, high-quality work.
• Developed and implemented a comprehensive risk-based compliance testing and monitoring program for the Consumer Lending division.The program identified high risk concerns due to gaps or omissions in procedures. Validated findings with Executive Management and product line managers. Collaborated with the product line to bring procedures in line with regulatory expectations.
• Created an executive-level reporting mechanism to communicate observations made during monthly testing cycles.
• Discovered that the loan closing system was not providing the correct disbursement numbers on the Itemization of Amount Financed disclosure. Validated the finding with Executive Management and product line managers. Created an acceptable mitigation plan acceptable to the Bank's regulator. The plan was successfully implemented.
• Identified a lack of controls in place to ensure the retention of pre-screen criteria. Worked with Executive Management and product line managers to create a repository that meets record retention requirements.
Anticipated graduation 2021.
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