Orlando or Tampa FL 407-***-**** acgctr@r.postjobfree.com

RUTH V. MAXWELL

OBJECTIVE

Compliance focused and result-driven financial industry professional and

team player. Excellent analytical, critical thinking and attention to

detail. Strong writing and communication skills. Ability to overcome

complex situations, while instituting ideas for improvement. Identify

positive opportunities and minimize risk and losses faced by a firm.

Motivate team members for positive working environment.

SUMMARY OF

QUALIFICATIONS

. 14+ Years in the Mortgage/Compliance/Business Analyst.

. Analyzing, report risk and fraud to protect company and investors

interest through regulatory reporting.

. Extensive knowledge in Default Mortgages, HAMP Program, front and back

office underwriting.

. Proficiency in MS Office products, including Word, Excel, PowerPoint,

Visio, UAT Testing and MS SQL 2005/2008. Experience using Mantas,

Actimize, Swift, Chips, Mortgage Cadence, TenA, SharePoint, I Portal,

AS400 and I Series.

. Continuance compliance courses: CFPB, Dodd Frank, AML/BSA, FNMA,

FHLMC, RESPA, TILA, Fraud, Patriot Act, Agile Methodology, etc.

. Gather, organize data, reports and recognize deficiencies identified

during the review process/validating gaps.

. Recently completed FL R.E. Sales Associate Course.

EMPLOYMENT

Compliance Quality Analyst/SME/Remote Worker-LEAD Bank of America

2011-March 2014

75% Travel Associate. On the spot reviewing and auditing of Underwriters

front/back-office loan decisions-rendering a PASS or FAIL decision by

assuring decisions are in accordance with federal/state regulatory/investor

requirements and meet company guidelines. Worked live events with NACA/BOA

Outreach travel team. While at these live events we audited Purchase and

Loan Modification files. Insure error/fraud free work to managers through

reporting tools. Auditing all work streams

(GSE/NGSE/VA/USDA/DOJ/FHA/FNMA/FHLMC). Solid analytical background, income

calculating, reviewing of financial documents (for potential fraud or

unusual activity-SARS), title, appraisals, HUD-1 Settlement statements (on

purchase loans), making sure required documentation received and reviewed

thoroughly. Conducted compliance procedures with multiple FDIC and FRB

banking regulations such as: COB, OCC, AML/BSA (Actimize/Mantas), KYC,

Privacy, ECOA (Reg B), HMDA, (Reg C), RESPA, TILA, Reg DD, E, CC, FCRA and

FACT, Fair Housing and Lending, Patriot Act and other related federal laws.

Ability to manage multiple projects simultaneously.

Business Analyst/AML/BSA/KYC Bank of

America 2010-2011

AML domain with Mantas/Actimize AML monitoring/case management tool.

Experience using AS400 and I Series. Completion of monthly updates to all

bank regulations including OFAC, AML, BSA and US Patriot Act. Ledgers and

transactions in an effort to locate suspicious activity. Review ledgers and

transactions in relation to terrorists activity and perform due diligence

in extremely sensitive matters. Audit reviews and oversee corrective action

plans in conjunction with AML Compliance, Operations and

Business Identifying potential money laundering and fraud activity-KYC.

Proficient with SAR activity reports. Analyzing and testing the accuracy of

claims filed with AML, BSA and other private investors under minimal

supervision. Accurate reviews of BSA and AML as well as OFAC and Retention

Programs to ensure time frames are met.

Compliance Business Analyst Bank of

America

2009-2010

Gathering data and recommending solutions based on research. Experienced in

writing test cases, test scripts, test plans and execution of test cases

reporting and documenting the test results using HP Quality Center. Lead

projects and facilitate cross-functional teams. Solid testing experience

in working with SQL 2005, stored procedures, triggers, views and worked

with performance tuning of complex SQL queries. Moved to special projects

team for UAT Testing-tested critical bug fixes, coordinated with project

managers/developers while meeting timelines. Communicating all test phases

through daily/weekly UAT results tracking, metrics reporting, defects

tracking, risks, lessons learned and area for improvement.

Commercial/Residential R.E. Investment Consultant FCE, Inc.

2003-2009

Conducting real estate investment workshops and seminars. Matching beginner

to savvy investors to commercial and residential properties that will

maximize their financial return. Creating Exit Strategy Plans. Assisting

borrowers to build and downsize real estate portfolios. Helped borrowers

with rehab-work, hard money financing and proper financing to meet their

financial needs.

Licensed Mortgage Broker AAFRA Mortgage

2001-2003

Collected and analyzed documentation, RESPA, HUD-1, GFE, credit evaluation,

clearing stipulations, underwriting and submitting completed files. Morally

and ethically assisting potential home buyers and home owners to obtain a

loan product best suitable to meet their financial needs. Primarily

responsible for connecting borrowers with an appropriate lender,

negotiating details with lender on behalf of the borrower and offering

various products for borrower to choose from. Extensive amount of customer

facing and educating on products.

Business Analyst American

General Intl Group (AIG) 1998-2001

Analyze complex data reports utilizing Excel to identify key performance

indicators to provide valuable evaluation and simplified results to senior

management and various lines of business. Provided monthly/quarterly

reports and ad-hoc requests while making recommendations. Providing support

utilizing Agile, Waterfall methodologies and Rational Unified Process

(RUP). Perform gap analysis for different processes and documents to ensure

compliance with the proper implementation procedures. Used SQL queries to

filter data within the Oracle database.

Mortgage Loan Underwriter Countrywide Home Loans

1993-1998

Performing risk analysis and forensic review of mortgage loan files.

Signing authority of $1.0MM. Making appropriate and intelligent decisions

during the review of a file, to ensure compliance with US Regulatory,

Federal and company guidelines. Diligently identifying transaction

components that may indicate potential fraud. Decisioning "Gray Area Loans"

with Manual Underwriting techniques. Ability to make sound loan decisions,

with error free work while meeting deadlines. Income calculations, RESPA,

HUD-1 settlement statements reviewing and analyzing appraisals, credit

reports, financial documentation including bank statements, profit and loss

statements, tax returns, assets and etc. Very strong research skills; use

of internet and additional research tools to minimize risk to the bank and

investors.

88W10 Railway Movement United States Army

1989-1993

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