SUMMARY:

Motivated, result - driven Internal Auditor with more than five years of experience advising clients in the areas of internal control, risk mitigation, compliance, and business processes. High standard of performance, with proven ability to drive account servicing strategy, manage and nurture talent, deliver organizational growth, successfully implement, and oversee complex projects. Expert at implementing processes that improve efficiency accomplished in all areas of risk mitigation and remained abreast of leading practices and emerging market trends.

PROFESSIONAL EXPERIENCE:

Senior Internal Auditor

Confidential, Charlotte, NC

Responsibilities:

• Performed testing to ensure that all line reporting items i.e Schedule items (C, D, C part II) are accurate.
• Performed compliance testing to ensure that all loans that are HFI (Held for Investments) vs. HFS (Held for sale) are categorized accurately.
• Listed any issues/or observations and communicated issues with Audit Manager.
• Scheduled meetings as appropriate to discuss issues/or observations with Line of business partners.
• Provided guidance and directions to junior audit staff members to assist in completing testing
• Drafted I&R (Issues and Recommendation) and presented to Line of business.
• Performed Reg W -23 B (Market Terms & Safe and Sound Banking Practices) audit for the HR audit function and;
• Ensured policies and procedures for Regulation W - 23B are current and complete.
• Ensured that the standards used to substantiate market terms for covered transactions (23B) is reasonable.
• Ensured 23B Service Relationship Inventory was submitted for and contained all required components.
• Ensured the sub-s were submitted to the Reg W Reporting Manager by the specified due date
• Performed testing with very minimal supervision
• Conducted testing for the Norwest Ventures Partners ( Confidential ) audits and ensured that;
• Partnership agreements are approved by appropriate parties within the Organization the Income/or Minority interest allocation and Management Fee calculation is mathematically accurate
• General ledger journal entries exists for both (Management fee and the Income/or Minority interest fees) samples in our testing period and are properly approved
• Amounts for both (Management fee and the Income/or Minority interest fees) samples in our testing period are accurately recorded on the Trial balance
• Conducted testing to ensure that QTM models and non- models forecasting tools are working appropriately.
• Assessed model performance and evaluated model assumptions and weaknesses
• Worked closely with model owners and developers to understand the business context and purpose for models
• Conducted robust validations of a wide variety of models against established standards.
• Assessed growth templates and performed testing to ensure that loan and deposit balances d Confidential input obtained from the modeling team is current and accurate.
• Reconciled growth templates d Confidential to ensure consistency and accuracy of d Confidential utilized for the CCAR scenarios

Internal Auditor

Confidential, Jacksonville, FL

Responsibilities:

• Performed and internal control services for a $17 billion financial industry.
• Identified, assessed business risk as well as reviewed and tested controls within units under review.
• Analyzed, verified transactions and representations (audit test work), and also prepared working papers that are consistent with generally accepted auditing standards, as well as established departmental standards.
• Received guidance from and provided feedback to Senior Auditors, Audit Supervisor, and Director of Internal Audit.
• Interviewed and documented the results of discussions with client management to evaluate risk of business processes within post-closing, warehouse finance, and foreclosure department.
• Conducted compliance control testing for a $32 billion global professional services network.
• Participated in the planning phase and contributed ideas to address overall project testing efficiency and effectiveness and potential improvements.
• Produced well-documented findings and discussed deficiencies with manager and project manager
• Performed internal control over interim compliance workpaper testing as related to various mortgage guidelines such as delinquency reporting, Loan origination, and HMDA.
• Conducted compliance control testing for a $32 billion global professional services network.
• Verified completeness of the information related to wire amount, purpose of the wire, originator and beneficiary
• Ensured that each wire amount was approved by an authorized individual per the wire authorization matrix

Internal Auditor

Confidential, Buffalo, NY

Responsibilities:

• Directed audits and special projects to determine compliance with corporate policy and generally accepted accounting principles (GAAP).
• Identified and evaluated key risks and assisted in establishing audit scope.
• Provided objective assurance on the effectiveness of an organization's ERM activities to help ensure key business risks are being managed appropriately and that the system of internal control is operating effectively.
• Collaborated with senior client management on audit results.
• Effectively saved the company over $20 million dollars through independent work.
• Recognized for outstanding s.

Account Manager

Confidential, Depew, NY

Responsibilities:

• Cooperated with attorney offices, private investors, and MI companies on short sale closings, deed-in-lieu, and loan modification. Managed and trained new employees.
• Exhibited sound judgment and initiative on assigned tasks, projects, and increased productivity with limited supervision.
• Assisted other departments with concerns, problems, and inquiries.
• Demonstrated leadership ability by ensuring production and quality standards, communicating policies and guidelines of investor standards to team members, and resolving operational problems.
• Obtained necessary background information on assigned clients through review of materials including, but not limited to operating procedural manuals, policies, and pertinent regulations.

Senior Loan Analyst

Confidential, Depew, NY

Responsibilities:

• Led innovation, insights, and research for cost-effective alternative collection and loss mitigation methods, and implemented approved methods.
• Negotiated with mortgagors of default loan resolution, and cooperated with customers on loss mitigation.
• Demonstrated ability to think outside the box and tackle multiple complex projects while improving organizational efficiency.
• Identified and achieved up-to-date laws and requirements of each state for portfolio preparation and report submission.