Senior Compliance Analyst Resume Example
Experienced compliance professional familiar with developing policies, leading training programs and managing reporting. Well-coordinated and methodical with exceptional verbal and written communication skills. Well over ten (10) years' experience in Financial Servicing regulatory environment. Spearhead and lead enterprise ethics and compliance education along with applicable training system. Implemented and managed licensing operations for subsidiaries that conducted any lending activities. Provided the line of business with guidance for regulatory changes by Interpreting, regulation application and research of Investor, State and Federal guidelines and best business practices. Well-versed in policy development. Proven success at mitigating Corporation exposure to non-compliance issues resulting in successful Compliance Management System platform.
• Proficient in software (Verafin and Patriot Officer) regulatory monitoring such as CRA/HMDA and BSA/AML. |
Assurant – Escondido , CA
•Provide regulatory support for new and current product and services. Review risk and compliance issues with product development and implementation as well as risk assessments.
• Collaborate with marketing group to review and approve promotional and new collateral. Prepaid and Credit Services (Disclosures, Marketing) - Reg E, UDAAP
• Proficient with regulation and application - Reg Z, Reg X, UDAAP, TCPA FASB, FDIC, FFIEC, OCC Metro2, GDPR, FCRA.
•Managed quality programs to reduce overdue compliance activities. Complete gap analysis matrix to improve LOB compliance oversight. Providing testing templates and guidelines for testing (targeted and global) as well as policy updates.
• Review Requirements and Specification documents.
• Update compliance monitoring program ( BSA/AML program) and documents. Also review Policy documents for the appropriate banks.
• Provide White Papers for regulatory guidance on potential impacted products and conduct Town-hall meetings.
- Prepared and presented comprehensive reports to upper management and audit team, covering issues and recommendations
Keybank National Association – Orangeburg , NY
- Oversee Company external Audits with State and Federal agencies. Approve final responses for heighten audits. Formulated detailed recommendations based on audit findings to support annual planning and definition of goals
- Develop compliance P&P addressing QC, Remediation and Corrective Action and provided Heads of Line of Business direction with creating effective procedures
- Delivered subject matter expertise for internal and external customers on compliance best practices and quality control
- Collaborated with HR to ensure BSA/AML training was completed timely company wide
- Advised division leaders of regulatory risks in business processed and provided recommendations for improvement
- Structured programs, produced working documentation and implemented best practices
- Manager Compliance of Quality Control and oversight for a team on 8-12 individuals. Personnel responsible for testing all Lines of Business for mortgage servicing activities
- Create Error Resolution and Information Request platform and Policy and Procedures (P&P) to comply with CFPB rules effective out in Jan 2014. Provide training on Error Resolution and Information Request requirements
- Evaluated customer complaints, processes and all other aspects of operations to assess compliance, using audit results and gap analysis
- Maintained effective working relationships with regulatory authorities
Bank Of America – City , STATE
- Worked directly with bank's general counsel and oversaw bank's Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) annual filings
- Oversaw federal examinations and worked directly with federal and state examiners
- Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices
- Aligned with IT and VP of Data Process to increase efficiency and functional quality via implementation of new systems, best practices, risk controls and process improvements
- Enhanced regulatory, strategic and operational performance to keep in alignment with deadlines
- CFPB Regulation review but not limited to REG X, REG Z, Fair Lending and HMDA as well as OCC and FDIC
- Create Risk Assessment for Line of Business (LOB). Review identified issues and provide alternative solutions as appropriate
- Consultation with Line of Business (LOB) on implementation and provide information training and job aids
- Create matrix that provided milestones to ensure timely implementation where application based on GAP analysis project
- Credit Services (Disclosures, Marketing) - Regulation Z, Regulation X, Reg E, UDAAP, Fair Lending
- Review training material on Fair Lending, BSA, US Patriot Act and US Treasury AML guidelines as well OFAC requirements
Ocwen Financial Corp. – City , STATE
- Stayed up-to-date on all laws and licensing requirements to complete accurate and efficient reviews and filings for subsidiary branches
- Establish licensing controls to ensure all functions are in compliance with federal, state, regulatory, investor and company guidelines; and recommend corrective action as needed,
- Consult and worked with Legal and compliance team with offshore entities to ensure applicable P&P guidelines are implemented where necessary
- Analyze, review and interpret federal, state and regulatory agencies, laws, regulations, and statutes in relation to impact to Mortgage Services Division to ensure we maintain and implement controls policies and procedures to change with the market. FCRA, FDCPA, Federal and State Bankruptcy laws and other applicable regulations
- Keep abreast of, monitor and analyses developing trends and changes in regulatory compliance laws and regulations that include but not limited to Fair Lending, Regulation X (RESPA) Regulation Z (Truth In Lending Act), Home Mortgage Disclosure Act (HMDA), implementation of the new laws and policies
- Develop and execute power point presentation of new initiatives to implement change as necessary and implement continuous monitoring process (Matrix) to keep abreast of changes
- Compile regulatory training material to assist with keeping employees in compliance with state and regulatory requirements
- Liaison with other business unit departments in effort to maintain standard mortgage industry policies and procedures. Maintain compliance with all relevant and necessary knowledge regulatory and investor such as Freddie Mac and Fannie Mae requirements (GSE)
- Analyze, review and interpret federal, state and regulatory agencies, laws, regulations, and statutes in relation to impact to Mortgage Services Division to ensure we maintain and implement controls policies and procedures to change with the market
- Managed State Examinations Audits, and direct escalated consumer complaints
- Commercial Loan Servicing - reviewing Loss Mitigation Affidavits, and other Pleadings of Non-Performing loan, REO Properties (review foreclosure bids) and other servicing process on behalf investor in order to service Portfolio
- Contract Manager for a Team of 18 Contract Management Coordinators that involves training, implementing strategies to ensure we are working in the most efficient manner. Reviewing of documents executed by Contract Coordinators and assisting with any other issues that pertaining to their job description
America Mortgage Professionals. – City , STATE
- Established internal control systems by updating audit programs
- Completed audit papers by thoroughly documenting audit tests and findings
- Audit and review over 200 files; including credit analysis, insurance docs, title, appraisals, searches and other applicable documentation need for approval, very detail oriented and able to work under extreme pressure and can work independently
- Review financial information such as tax returns, income statements bank statements credit of each client in order to process work out solutions additional due diligence in order to meet investors guidelines and regulatory standards
- Review of receive completed documents received from customers or other third parties and triage for missing information
- Review all regulatory and business disclosures including compliance with Reg Z (Truth in Lending) US Patriot Act Regulations and RESPA;
- Direct liaison with clients, conference call with related financial institutions where assistance as third party was needed
- Review documents for MHA, Forbearance, and liquidation options
• Proficient in software (Verafin and Patriot Officer) regulatory monitoring such as CRA/HMDA and BSA/AML.
• Outstanding Presentation skills, organizational, time management and project management skills
• Skilled in interpreting complex regulations. Strong research skills.
• Strong leadership skills, team building and relationship development skills
• Success in improving CMS platform.
• Proficient in Microsoft Office including Visio and Project, Archer, RSAM, Compliance 360, Tableau
Company Name – City, State
•Provide regulatory support for new and current product and services. Review risk and compliance issues with product development and implementation as well as risk assessments.
• Collaborate with marketing group to review and approve promotional and new collateral. Prepaid and Credit Services (Disclosures, Marketing) - Reg E, UDAAP
• Proficient with regulation and application - Reg Z, Reg X, UDAAP, TCPA FASB, FDIC, FFIEC, OCC Metro2, GDPR, FCRA.
•Managed quality programs to reduce overdue compliance activities. Complete gap analysis matrix to improve LOB compliance oversight. Providing testing templates and guidelines for testing (targeted and global) as well as policy updates.
• Review Requirements and Specification documents.
• Update compliance monitoring program ( BSA/AML program) and documents. Also review Policy documents for the appropriate banks.
• Provide White Papers for regulatory guidance on potential impacted products and conduct Town-hall meetings.
- Prepared and presented comprehensive reports to upper management and audit team, covering issues and recommendations
Company Name – City, State
- Oversee Company external Audits with State and Federal agencies. Approve final responses for heighten audits. Formulated detailed recommendations based on audit findings to support annual planning and definition of goals
- Develop compliance P&P addressing QC, Remediation and Corrective Action and provided Heads of Line of Business direction with creating effective procedures
- Delivered subject matter expertise for internal and external customers on compliance best practices and quality control
- Collaborated with HR to ensure BSA/AML training was completed timely company wide
- Advised division leaders of regulatory risks in business processed and provided recommendations for improvement
- Structured programs, produced working documentation and implemented best practices
- Manager Compliance of Quality Control and oversight for a team on 8-12 individuals. Personnel responsible for testing all Lines of Business for mortgage servicing activities
- Create Error Resolution and Information Request platform and Policy and Procedures (P&P) to comply with CFPB rules effective out in Jan 2014. Provide training on Error Resolution and Information Request requirements
- Evaluated customer complaints, processes and all other aspects of operations to assess compliance, using audit results and gap analysis
- Maintained effective working relationships with regulatory authorities
Company Name – City, State
- Worked directly with bank's general counsel and oversaw bank's Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) annual filings
- Oversaw federal examinations and worked directly with federal and state examiners
- Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices
- Aligned with IT and VP of Data Process to increase efficiency and functional quality via implementation of new systems, best practices, risk controls and process improvements
- Enhanced regulatory, strategic and operational performance to keep in alignment with deadlines
- CFPB Regulation review but not limited to REG X, REG Z, Fair Lending and HMDA as well as OCC and FDIC
- Create Risk Assessment for Line of Business (LOB). Review identified issues and provide alternative solutions as appropriate
- Consultation with Line of Business (LOB) on implementation and provide information training and job aids
- Create matrix that provided milestones to ensure timely implementation where application based on GAP analysis project
- Credit Services (Disclosures, Marketing) - Regulation Z, Regulation X, Reg E, UDAAP, Fair Lending
- Review training material on Fair Lending, BSA, US Patriot Act and US Treasury AML guidelines as well OFAC requirements
Company Name – City, State
- Stayed up-to-date on all laws and licensing requirements to complete accurate and efficient reviews and filings for subsidiary branches
- Establish licensing controls to ensure all functions are in compliance with federal, state, regulatory, investor and company guidelines; and recommend corrective action as needed,
- Consult and worked with Legal and compliance team with offshore entities to ensure applicable P&P guidelines are implemented where necessary
- Analyze, review and interpret federal, state and regulatory agencies, laws, regulations, and statutes in relation to impact to Mortgage Services Division to ensure we maintain and implement controls policies and procedures to change with the market. FCRA, FDCPA, Federal and State Bankruptcy laws and other applicable regulations
- Keep abreast of, monitor and analyses developing trends and changes in regulatory compliance laws and regulations that include but not limited to Fair Lending, Regulation X (RESPA) Regulation Z (Truth In Lending Act), Home Mortgage Disclosure Act (HMDA), implementation of the new laws and policies
- Develop and execute power point presentation of new initiatives to implement change as necessary and implement continuous monitoring process (Matrix) to keep abreast of changes
- Compile regulatory training material to assist with keeping employees in compliance with state and regulatory requirements
- Liaison with other business unit departments in effort to maintain standard mortgage industry policies and procedures. Maintain compliance with all relevant and necessary knowledge regulatory and investor such as Freddie Mac and Fannie Mae requirements (GSE)
- Analyze, review and interpret federal, state and regulatory agencies, laws, regulations, and statutes in relation to impact to Mortgage Services Division to ensure we maintain and implement controls policies and procedures to change with the market
- Managed State Examinations Audits, and direct escalated consumer complaints
- Commercial Loan Servicing - reviewing Loss Mitigation Affidavits, and other Pleadings of Non-Performing loan, REO Properties (review foreclosure bids) and other servicing process on behalf investor in order to service Portfolio
- Contract Manager for a Team of 18 Contract Management Coordinators that involves training, implementing strategies to ensure we are working in the most efficient manner. Reviewing of documents executed by Contract Coordinators and assisting with any other issues that pertaining to their job description
Company Name – City, State
- Established internal control systems by updating audit programs
- Completed audit papers by thoroughly documenting audit tests and findings
- Audit and review over 200 files; including credit analysis, insurance docs, title, appraisals, searches and other applicable documentation need for approval, very detail oriented and able to work under extreme pressure and can work independently
- Review financial information such as tax returns, income statements bank statements credit of each client in order to process work out solutions additional due diligence in order to meet investors guidelines and regulatory standards
- Review of receive completed documents received from customers or other third parties and triage for missing information
- Review all regulatory and business disclosures including compliance with Reg Z (Truth in Lending) US Patriot Act Regulations and RESPA;
- Direct liaison with clients, conference call with related financial institutions where assistance as third party was needed
- Review documents for MHA, Forbearance, and liquidation options
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Resume Overview
School Attended
- Nova Southeastern University
- Inns of Court School of Law
- University of Buckingham
- Barbados Community College
Job Titles Held:
- Senior Compliance Analyst
- Sr. Compliance Manager
- Compliance Officer (Contract- Remote)
- Compliance Ethics, Licensing and Training
- Compliance Senior Auditor
Degrees
- MBA : Finance
Certificate
LLB (Hons) _ JD Equivalent : Law
Associate of Arts : Law History And Economics
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