Senior Compliance Analyst Resume Example Company Name

SENIOR COMPLIANCE ANALYST

Professional Summary

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.

Skills

• 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

Work History

Senior Compliance Analyst , 10/2018 to 07/2019
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

Sr. Compliance Manager , 06/2014 to 09/2018
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

Compliance Officer (Contract- Remote), 10/2013 to 05/2014
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

Compliance Ethics, Licensing and Training , 10/2011 to 05/2013
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

Compliance Senior Auditor, 06/2009 to 08/2011
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

Education

MBA: FinanceNova Southeastern University - City, State

CertificateInns of Court School of Law - City

LLB (Hons) _ JD Equivalent: LawUniversity of Buckingham - City

Associate of Arts: Law History And EconomicsBarbados Community College - City

Skills

Work History

Senior Compliance Analyst , 10/2018 to 07/2019
Company Name – City, State

Prepared and presented comprehensive reports to upper management and audit team, covering issues and recommendations

Sr. Compliance Manager , 06/2014 to 09/2018
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

Compliance Officer (Contract- Remote), 10/2013 to 05/2014
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

Compliance Ethics, Licensing and Training , 10/2011 to 05/2013
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

Compliance Senior Auditor, 06/2009 to 08/2011
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

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

Senior Compliance Analyst Resume Example

Resume Score: 90%

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