SUMMARY:

Compliance analyst with proven experience in fraud analysis and operational risk. Highly creative with diversified knowledge and uniqueness in federal and state regulatory compliance, AML, KYC, OFAC and SAR analysis. Excellent written and verbal communication and presentation skills. Creative thinking with quantitative problem solving, passion for numbers and details, expert knowledge in quality assurance practices, proven success in exceeding productivity goals, strong leadership skills with a proven track record in implementing initiatives, motivated and exceptional team player and willing to coach others. Recognized by management as being a highly positive, dependable and committed professional individual.

AREAS OF EXPERTISE INCLUDE;

Project Management Loss Mitigation, Strategic Analytical Planning FDIC Pro - Forma Reconciliation, Credit Risk Analysis Compliance/Quality Assurance

TECHNICAL SKILLS:

SKILLS: MSP, DWS, LPS, Mortgage Flex, Contour, Mortgage Ware, Empower, Lexis-Nexis, Outlook, TENA, Second Look, Citrix, DRI, ADFINET, Vendors Cape, Fortrac, Word, AU, DU, LP, MS Project Manager, MS Office, Excel and PowerPoint, Lotus Notes, Agent Desktop

PLATFORMS: MS-DOS,MSWindows95/98/2000/NT/XP, Media center Netware, Linux, Apache Topologies, VLS Mainframe, Interface, Real Time

ETHERNET: FDIC Authorized, Token Ring Wireless Approval

LANGUAGES: Bilingual, Spanish

PROFESSIONAL EXPERIENCE:

Confidential, Houston, TX

Home Interior Stager Assistant

Responsibilities:

• Provided seller with home consultation on exterior and interior property inspection and evaluation through a buyers eye.
• Determined property analysis, discussed marketing tools and professional home staging strategies.
• Performed real estate home staging, one day room makeovers, floor plan layouts and space planning consultations, furniture placement, custom windows designs, decor shopping services, color consultation and paint selection, project management and builder consultation.
• Provided seller and real estate listing agent with written action plan and track in progress report.
• Scheduling and planning staging and de - staging, warehouse inventory control.
• Complete design with creative controls, managing and leading staging projects.

Confidential, Houston, TX

Sr. Loan Integrity, Officer

Responsibilities:

• Fraud investigation of pending retail auto finance application of loans and disposition of potential and suspicious activity referrals in a timely and accurate real-time manner.
• Supported credit underwriters in identifying and preventing fraudulent retai l auto finance application from being booked and approved by dealer.
• Worked directly with Global Security Invest ment (GS&I) on suspicious activity report and fraud alert cases, analyzed fraud mitigation issues.
• Interfaced and assisted with various internal auto finance units, assisted management in identifying policies and procedurals issues regarding suspicious credit activities and controlled gaps.

Confidential, Houston, TX

Quality Analyst

Responsibilities:

• Conducted methodical review of lease contracts from dealers using at -risk forms and coordinated resolution resulting in successful fee remediation reimbursement
• Compiled and enter utilizing system of record to define discrepancies according to state variances in Legal, Confidential fees and late fee charges, process data into QC review spreadsheet for data element analysis which facilitates fee remediation detection and timely resolution.

Confidential, Houston, TX

Sr. Relationship Manager, Officer

Responsibilities:

• Prepared analytical recommendation to support portfolio modification loan approval according to state, federal guidelines associated with customers Confidential Regulations associated with Loss Mitigation
• Documented and evaluated borrowers’ financial ability to repay with income documentation, P&L, expenses, tax returns, credit reports hardship etc.
• Prescribed borrowers’ with appropriate retention or liquidation option, including but not limited to repayment plan, HAMP, MHA, modification, short sale and deed-in-lieu, negotiated loan covenant and other key loan modification terms.
• Traveled with homeownership agenda establishing relationship with borrowers at the Hope Now and NACA initiatives forming strategic alliances with nonprofit agencies, loan officers, and bank personnel and referring agencies to identify customers in need of advisory services.
• Exceeded and established performance standards by examining 100% of all assigned files for compliance and submission in a high-volume deadline driven competitive environment.

Confidential, Houston, TX

Pro-Forma Analyst

Responsibilities:

• Responsible for preparing Pro-Forma reconciliation for various complex cash flow activities, controlled inventory for failed institutions
• Produced final statement of condition reflecting assets and terms of liabilities retained by the acquired governed purchase agreement, Final reconciliation adjustment to GL to support financial statement on Pro-forma jackets.

Confidential, Houston, TX

Home Builder Loan Consultant

Responsibilities:

• Borrowers mortgage advisory services and loan product recommendation, analyzed borrowers’ financial ability with income documentation, assets, investments and credit report.
• Assisted clients to resolve discrepancies with FCRA and facilitated "Homeownership Counseling Program" for low to moderate income down payment assistance program.
• Invited by supervisor to attend of site customer service training as a key performer and presented content in staff meeting to maintain customer satisfaction standards.
• Success collaborating with traders, marketers and business partners to achieve trade initiatives.

Confidential, Houston, TX

Mortgage Builder Loan Consultant

Responsibilities:

• Interviewed and completed borrowers' mortgage loan application, evaluated loan to determine which financial service product best meet customers' needs and financial circumstances.
• Established and negotiated terms pertaining to prudent credit decisions with builder, maintaining a reputable networking establishment to increase and capture strong client referral base.
• Stayed abreast with trends and developments within local real estate market and competitive environment as well as changes in rules and regulations pertaining to private and government insured’s loan products.

Confidential, Houston, TX

Sr. Operational Risk Analyst

Responsibilities:

• Tested and validated implementation of initiatives, ensuring policy consistency with management internal controls, operational risk, fair lending audit requirements.
• Performed quality control on 10% statistical sampling of loans active files in pipeline, underwriting, loans approved and funded, also reviewed files “Reason for Declination” confirm authenticity and collateral.
• Analyzed and resolved investor due diligence status identified as early payment defaults and misrepresentation.
• Reported controls to Sr. Executives, Implemented process, improvements and weaknesses, successfully increasing the effects improvements by 25% prior to implementation.
• Improved implementations of risk management initiatives, acted as liaison operations management and lending operations. Refined policy and business requirements resulting in clearly stated objectives.
• Coordinate regulatory examinations, client due diligence and audits, rating agency evaluations, and internal or external audits as needed.
• Establish Maintain a working knowledge of federal, state, and agency audit requirements and guidelines. maintain strong working relationships and rapport with all internal departments and external counterparties.

Confidential, Houston, TX

Operations Manager, Processing

Responsibilities:

• Managed a staff of 13 mortgage loan processors in a high volume production environment, discussed goals and objectives, prepared and evaluated quarterly and yearly employee performance reviews.
• Coached and mentored new hire with policies and procedures resulting ability to quickly meet the requirements of the position.
• Ensure compliance with applicable federal, state and local laws and regulations Complete all required compliance training and maintain knowl edge and adhered to internal compliance policies and procedures.
• Ordinated and communicated activities of department with centralized division’s, supported projects relating to operations which included: legal, corporate tax, data processing, enterprise risk, corporate accounting, and operations.
• Achieved a successful high 90% customer satisfaction quality scorecard.