A highly qualified, respected, dedicated, and results-driven professional with a consistent record of success in improving processes through risk management, and enhancement initiatives. Understanding of banking and mortgage regulations, including SOX, AML, KYC, RESPA, TILA, HMDA, GLB, FDCPA, and Fair Lending. Excellent research, analytical, and communication skills. Expertise in completing complex account research. Adept at assembling and developing high-performance teams. Advanced experience in risk management, technical writing, and all facets of mortgage servicing and financial services. An outstanding communicator; adept at building and nurturing relationships with peers, management teams, internal departments, clients, and external agencies.
Compliance & Risk Management (Regulatory, Operational, & Third Party
Identifying & Implementing Process Improvements
Mortgage Lending, Servicing & Banking Regulations
Licensed Insurance Adjuster (0620)
Building Strong Relationships
Time Management & Organization
THIRD PARTY RISK MANAGEMENT ANALYST05/2015 to 12/2016
Performed risk and control assessments for all high-risk third party service providers to evaluate effectiveness of control systems.
Engaged with service providers to obtain due diligence reports and evidence of control operation.
Reviewed key reporting to validate accuracy and identify discrepancies and gaps.
Conducted annual onsite performance, financial, and regulatory compliance reviews for eight mission-critical service providers to ensure regulatory, contractual, and operational compliance.
Tested the design/operation of general, contractual, and regulatory controls.
Reported risk assessment results, including VRM metrics to internal senior management and the service provider, and recommended remediation actions.
Forged strong working relationships with critical vendors to ensure seamless audits.
Ensured third party adherence to contractual/regulatory compliance to minimize the risk of fines and reputational harm.
06/2012 to 05/2015BUSINESS RISK CONTROL MANAGEMENT OFFICER
Implemented risk management programs for multiple business units including Policy & Procedure, Mandatory Operational Training, Law Change Working Group, Customer Refund Team, and Risk Governance.
Partnered with assigned business units to manage internal operational risks including identification, assessment, mitigation/controls, loss identification, and ORM-compliant reporting.
Facilitated workshops/seminars on risk identification, assessment, control, mitigation, and process analysis.
Led collaborative efforts to develop risk mitigation strategies and to establish a control structure which included annual thematic risk assessments.
As a first line-of-defense auditor, examined evidence from business partners on control operations.
Performed end-to-end risk assessments for all assigned business areas.
Efficiently identified control gaps/deficiencies, and assisted business areas with documentation and resolution.
Prepared and presented results reports and dashboards.
Recommended remediation plans and monitored improvement efforts.
Chosen to join the newly-established Operational Risk Department to allow the Consumer Mortgage Lending business to rapidly remediate compliance issues identified by US Department of Treasury's Office of Comptroller of the Currency (OCC).
By identifying control deficiencies and root causes, significantly reduced regulatory/operational risk.
Streamlined/improved the testing of internal control processes by improving test templates; developed results reporting templates that were later rolled out department-wide as a best practice.
Quickly identified and addressed process gaps that prevented regulatory fines.
TECHNICAL WRITER/COMPLIANCE OFFICER04/2004 to 05/2012
Produced and maintained high-quality, user-friendly documents aligned with regulatory requirements.
Created/edited templates, a style guide, spreadsheets, and graphics/screenshots.
Trained and developed new employees, submitters, and approvers on process documentation and the change control submission/approval process.
Managed all administrative duties for the Change Control database and TeamSite repository.
Performed manager, editor, and publisher roles as needed.
Completed reporting and special projects as driven by business needs.
Assigned work, documented status updates, and facilitated meetings.
Created and published breaking news bulletins and other documentation to support business objectives and regulatory changes.
Oversaw change control for 3500+ published documents as one of two TeamSite Administrators.
Piloted a flextime program that was then implemented throughout the organization.
Coordinated redesign efforts of the Change Control process (including submission forms and database), resulting in a streamlined process with better controls and more efficiency.
Selected by senior management to participate in process reengineering sessions during a changing regulatory environment.
06/2000 to 12/2016HSBC MORTGAGE SERVICES
Senior Tax Analyst, Appraisal Review Analyst, and Senior Insurance Administration Analyst Loss Draft Insurance Specialist, Research AnalystHSBC Mortgage Services
and Escrow Liaison with CitiFinancial Mortgage Services; and as an Entrepreneur, for Plant City Fireworks, and Your One Stop Flower Shop.
Education and Training
Bachelor of Business Administration2006HARRIS UNIVERSITY (UNACCREDITED) HILLSBOROUGH COMMUNITY COLLEGEBradenton Plant City, FLFlorida Insurance Adjuster's License (0620) - All Lines, License # W173283
*Specialized training in all mortgage lending/servicing & banking regulations