A dedicated, high-energy Financial Services and Banking professional with a Bachelor of Business Administration (BBA) currently completing a Master of Business Administration (MBA) degree program and a holder of a Six Sigma Green Belt and Project Management certification in Process Improvement and Change Management.
* An acknowledged Subject Matter Expert (SME) and professionally trained financial services analyst with more than 10 years of hands-on experience spanning credit, operational and liquidity risk, RESPA, TILA, HMDA, Dodd Frank Reform Act, Home Mortgage Disclosure Act, OCC and OFAC requirements along with Bank Secrecy Act and Anti-Money Laundering (AML) compliance issues, handling complex issues, credit lending, loan portfolio servicing, regulatory compliance research, mitigating compliance and regulatory risks across the enterprise. Providing both legal, audit research and root cause analysis.
* A polished public speaker and presenter with excellent interpersonal and oral/written communication skills; exceptionally talented in resolving complex customer service issues; a capable Instructor/Trainer of risk and compliance material; well-organized and detail-oriented.
* A multi-tasking team player with a well-established reputation for sound decision-making and creative relationship building, who performs well under the pressure of high-volume workloads and demanding production deadlines.
* Computer literate including proficiency in Microsoft Word, Excel, PowerPoint and Outlook, SQL, SAS, FIS tools, Guardian Analytics, Collateral Underwriter, Collateral Analytics, software applications as well as numerous proprietary financial software. Building databases, running financial models, data migration, performing pivot tables and projecting future models. Performing risk and control assessments.
04/2017 to 06/2017
Regulatory Risk and Compliance AnalystEVERBANK － Jacksonville, Florida
Creating BSA/AML inventory for mortgage servicing.
Conducting risk, RSCA program assessment, KRI and KPI assessments.
Conducted legal research, analyzed and reporting on legal regulations.
Performed compliance oversight, reporting changes to legal and other business partners.
Remediate AML alerts and Fraud Alerts.
Reporting on customer complaints and root case analysis.
Providing business oversight and audit responses to other business partners.
10/2014 to 04/2017
Collateral Analyst Reporting AnalystJP MORGAN CHASE & COMPANY － Jacksonville, Florida FL
Review and analyze broad range of appraisal documentation to ensure accuracy and compliance with internal and government regulatory guidelines including the Fair Lending Act, Universal Review Appraisal, Residential Appraisal Review and other lending-related legislation such as the Volker Act.
Process over 200 appraisals per month and monitor work of other appraisers to validate their decision-making and recommend credit based on loan documentation.
Examining client collateral information on existing and new asset based loans.
Review of mortgage documentation, mortgage terms, and legal documentation.
Monitor residential mortgage appraisal and compliance with URAR guidelines.
Credit risk and - Mortgage Operations.
10/2011 to 10/2014
Successfully completed the 2-year JP Morgan Chase credit training program focused on cash, credit, collateral and capacity in terms of consumer lending and structured deals.
Conducted risk assessments on how to migrate credit and liquidity risk.
Monitoring and compliance with Reg.
X, Dodd Frank Reform Act and other banking acts.
Obtained financials and banking information, making informed credit decisions that mitigate risk and protect the assets of the company.
Underwrote over 100,000 residential loan portfolios, averaging in excess of $1.0 million weekly in loan value; conducted broad-ranging research and analysis to ensure all mortgage loans were in compliance with both internal and governmental regulatory guidelines.
Pro-actively examined any red flags, title review issues, property valuation and overall data integrity on all mortgage loans within default services.
Established and maintained long-term relationships with capital markets, internal and external clients as well as private investors; investigated suspicious activities to detect money laundering and loan fraud.
08/2005 to 09/2011
Quality AnalystJP MORGAN CHASE & CO － Coppell, Texas
Working in a fast-paced, deadline-driven environment, supported the bank's Commercial and Retail banking operations including credit card portfolios, consistently meeting or exceeding all production quotas and customer service goals.
Conducted daily and monthly quality audits of policies and procedures with an eye to process improvement and lowering of production costs.
Utilized ValueStream mapping techniques to analyze process flow, identify redundancies, eliminate waste and improve overall efficiency; worked in close concert with internal and external customers to validate process change recommendations.
Education and Training
Master of Business Administration (MBA)UNIVERSITY OF DALLAS － Dallas, TexasCurrently enrolled and graduation projected for
Study focus: Management of Complex Organizations
Bachelor of Business Administration (BBA)UNIVERSITY OF TEXAS － Arlington, Texas3.5
Bachelor of Science: FinanceUNIVERSITY OF SOUTH AFRICAFinance
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Companies Worked For:
JP MORGAN CHASE & COMPANY
JP MORGAN CHASE & CO
UNIVERSITY OF DALLAS
UNIVERSITY OF TEXAS
UNIVERSITY OF SOUTH AFRICA
Job Titles Held:
Regulatory Risk and Compliance Analyst
Collateral Analyst Reporting Analyst
Master of Business Administration (MBA) Bachelor of Business Administration (BBA) Bachelor of Science : Finance Six Sigma Green Belt Certification - (2017)
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