Miguel Zamudio

ace2ny@r.postjobfree.com / ace2ny@r.postjobfree.com

561-***-**** DE CHUMS CERTIFIED FNMA

Compliance Foreclosure Act Loss Mitigation, Forensic Audit Specialist, MPS Manager Assigning

Suspicions Activity Cases, Crime Forensic Examination, Data capture dedicated to the forensic audit

analysis, Depositions and Mitigations cases, Testimony in Legal Proceedings Worldwide Loan Servicing

Administrator Mortgage / Banking, Underwriting, Processing, Due Diligence Asset Portfolio Default Risk,

Boarding loans high volume transfer Welcome letter, Monitoring payment history during the life of the loan,

1st Stage Collection activity, Default letter Notification, First Legal Action, Solicitation Modification Letter,

Liaison 3rd Party Vendors, Bankruptcy Group Control, Law Firms, Courts Activity, Realtors, Appraisers,

Title Companies, Investors, REO Group, Foreclosure Retention Team, Credit Cards, Commercial,

Consumer and Students Loans, Remediation options during the Foreclosure Process, Bankruptcy Group,

Short Sales, Deed in Lieu, Loan Workouts, Modifications with final delegation authority, Forbearance,

Fannie Mae, Freddie Mac, GNMA, FHA, VA, HAMP, HAFA, HARP, TARP, OCC Consent Order, ROBO

SIGNING FED,FDIC, USAA, Fair Lending, RESPA, TILA, CRA, DODD FRANK, Section 165/ Fed Dodd

Frank Volcker Rule Basel3, Comprehensive Capital Analysis and Review CCAR FRY 14 Reporting

Policies and Requirements FRY9CRobo Signing FACTA, FDPA, FIRA, CFPB, NCUA, EEOC, FCRA,

GLB/Gramm Leach Bliley Act, RTFPA, HIPAA, FTC, ECOA, BANK PROTECTION ACT, BSA, AML, FATF,

CFT=CDD, UDAAP, handle sensitive and confidential information legal compliance to mortgage loan

conduit and service oversight

Manager lead during the full examining closed loan, full re underwriting review and response to specific

allegations of deficiencies, maintain ongoing pipeline of 2500 loans per month, origination sales of $750

MM, Pipeline total approval 1196= $226,698.548, turn around 24 hours decision, Investor accounting &

Reporting, Delinquency to FHA & PMI companies. BK Research legal counsel, FHA / PMI Claims, E

Oscar Credit bureau reporting inquiries and disputes, Consumer compliance resolution, MERS, OFAC

screening, 1st Stage collection activity recommendation to the investor credit risk exposure evaluation,

Collateral preservation monitoring, Call Center inbound outbound multilingual with outsourcing platform

MANAGER OPERATIONS 2007 – PRESENT INTERNATIONAL FINANCE FDIC / OCC Assignment

Treasury Division Consent Order Foreclosure Act Investigation (19 Banks and Servicing Companies)

Responsible for the Residential Servicing Team Loan Administration on a daily processing of the real

estate foreclosure functions, regulatory compliance loss mitigation 1 st Stage collection activity, 1st default

120+ days, customer notifications, Reviewed and performed underwriting on FNMA Bulk tape files for

accuracy to Master Policy Commitments issued by Triad Guaranty to determine material deficiencies for

submission to legal department, Repurchase loans by Originator Servicers, Discharge Accounts and

Bankruptcy violation analysis

Forensic Audit and depositions and trial testimony Identified deficiencies and transaction

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components on individual loan files and supporting documents for data integrity on Prime and Alt

A program files using guidelines and CDUs by FNMA, FHLMC and other lenders under

confidentiality agreement. Identified potential fraud associated with loan applications and

appraisals through the review of tax returns, profit and loss statements, credit reports, and

depository and security statements, employment records. Utilized AVMs, Retro AVMs, BPOs,

OPUS, RMA reviews and specialized fraud tracking/reporting resources, Bankruptcy

TEAM LEAD Loss Mitigation Retention Team 2012 – 2013 SOLOMON EDWARDS/PROMONTORY

Bank of America OCC Foreclosure Act Consent Order Forensic Audit Charlotte NC

Performed specialized tasks per OCC Consent Order to conduct a multi faceted review of residential

mortgage servicing and foreclosure actions to determine and report findings of any errors,

misrepresentations or other deficiencies resulting in financial injury to borrowers or mortgagees.

Modification decisions and Bankruptcy analysis, monitoring trial payment, Foreclosure activity process, 3 rd

Party vendor liaison responsibilities and performances, delegation authority for the transfer REO final

negotiation during the short sale approved, Deed in Lieu, Forbearance, Investor point of contact, review

Title, Hazard and Flood Insurance Certificated, Taxes, Special Assessments HOA, Team lead Forensic

Audit Analysis and Trial Testimony

TEAM LEAD MANAGER FORECLOSURE REVIEW CONSENT ORDER HAMP Program 2011 – 2012

PROTIVITI/ ROBERT HALF AURORA BANK OCC Forensic Audit Denver CO

Reviewed compliance, procedures, errors and omissions related to Aurora Bank HARP and HAMP

programs in response to OCC Consent Order. Processed customer modification/Foreclosure complaint

claims per customer in take form. Investigated all issues addressed by the customer Executed waterfall

process per HAMP protocol modifications and Bankruptcy analysis Violations, Team lead during the

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Forensic Audit and trial testimony (Robo Signing) attorneys & 3rd party agencies to obtain a workout, short

sales, repayment plans, forbearances HAS, DIL Denial review with delegation authority, approve

foreclosure expenses, reimbursement and exceptions, bidding instructions, Sales postponements,

reclassification’s for loans that are in MBS pools interface & interact with vendors

MANAGER UNDERWRITING MMD AND HOME RETENTION GROUP FORENSIC AUDIT WITH

DELEGATION AUTHORITY 2005 – 2007 COUNTRYWIDE HOME LOANS

Experienced professional with a successful career in Underwriting/Loss Mitigation, Non GSE, and

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Default FHLMC & FNMA. Loans Repurchase by Originator Servicers SBO/Portfolio

Underwrote residential loans to qualify homeowners for MHA, PRA, and CMP programs,

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according to company and investor guidelines

Validated income, assets and collateral documents including self employed tax returns, CRA

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analysis

Analyzed loan history, assets, and customer contact to determine whether referral for foreclosure

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was appropriate, Call Center Inbound outbound multilingual, Processed dispositions, resolution

referrals, and subsequent analysis to determine that all alternatives to allow ownership retention

were exhausted

Negotiated and executed short sales and deeds in lieu of foreclosure, final decision with

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delegation authority

Underwrote MHA loan modifications to lower interest rates and monthly payments to mitigate the

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loss of real property and lien held by lender

SENIOR MANAGER Level V 2004 – 2005 FREEMONT LENDING

Manager Front Line underwriting and Forensic audit 3 channels National program for conforming

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and non conforming jumbo loan products

TEAM LEAD QC 2003 – 2004 THE CLAYTON GROUP/ BRISTOL FINANCIAL CORP

Acted as Team Lead Manager Forensic Audit and compliance

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Clients included: Accredited, Washington Mutual, GMAC Mortgage, Goldman Sacks Investments,

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Citi Financial, Household, Morgan Stanley, Decision – 1, Fremont, Lehman Brothers, Barclay

Bank, Bertram, Countrywide, Paribas, Numara, UBS, UCS, HSBC, PNC, Wells Fargo, Accredited,

Freemont

Forensic Underwriting utilizing company guidelines, research repurchase claims from investors to

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determine if the claim is valid and accurate

Investigate cases of suspected fraud and draft reports on investigation results

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DIRECTOR OPERATIONS/ SVP Underwriting Division 1985 – 2003 CONSORCIO SAN MIGUEL

LENDING (GROUPO SAN MIGUEL) ASIA

SVP OPERATIONS LAS VEGAS NV & GENEVE SUISSE SBA, COMMERCIAL ORIGINATION,

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C&I Secondary Market, Jumbo Loans, Compliance, Due Diligence, signing authority $3M

HOLDING COMPANY ENRON PROSECON CORPORATION,DIRECTOR OPERATIONS,

MEXICO & USA COMMERCIAL ORIGINATION (RESTAURANTS & GAS STATIONS)

COMMODITIES ENERGY, (ACQUISITION MERGE WITH CONSORCIO GROUP) PRIVATE

EQUITY LENDING AIRCRAFT AND MARINE EQUIPMENT NEW AND USED PRIVATE AND

MILITARY UNITS

MANAGER UNDERWRITING

1983 – 1985 REPUBLIC BANK

MANAGER UNDERWRITING

1980 – 1983 UNIVERSITY SAVINGS

MANAGER, ORIGINATION AND PROCESSING

1978 – 1980 FINASA, S.A DE C.V.

COMMERCIAL ORIGINATION AND PROCESSING MANAGER

1975 – 1978 UNION DE CREDITO DEL SUR

MANAGER CREDIT CARDS PORTFOLIOS

1970 – 1975 BANCO AZTECA, S.A

EDUCATION

College L’Ecole View – Bois – 1971 Geneva, Suisse

Universidad Nacional Autonoma de Mexico – 1975 Mexico City, Mexico Business Master’s Degree,

International Law and Finance 1979 Multilingual: Spanish – French – English

Willing to Travel and Relocate

MS Access, Point, AS400/ISeries,MS Excel, Blitz Docs, MS Power Point, MS project, Adobe

Illustration, Microsoft Word, Router, Cisco, Avaya, Global, Cobol, CICS, DB2, CIP/LEXIS NEXIS

FACTIVA WORLD SEARCH Financial Markets, IDQ Query System, Microsoft Outlook, Radar,

Main Sever Database, MS Vision LP/DU, Organizational chart Pro. Loan Tracker, Web Direct,

GEM IClear, TMO, MSP, LPS, LIS, Fidelity, Lexis Nexis, Core logic/Real Quest, Mortgage Ware,

Sales Force, Vision Act, Projector, Darts Fannie Mae, Links/DRI FHA Connection, Pro Lender, Doc

Magic, Loan Works, Loan Soft, Urban, Stuart, COBOL, DB2, C1CS, Fortent, Triplepoint CXL

Power Trading Commodity XL ETRM Energy Commodities Gas and Oil

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