Joseph Mazzei Sr.

914-***-****

aco58l@r.postjobfree.com

Financial Services Management Professional with over twenty years'

experience in Mortgage Operations, Front Line, Forensic, and Secondary

Market Underwriting, Regulatory Compliance, Quality Control, Asset

Management, Legal Oversight

Areas of Specialization: Operations, Start-Ups - Mortgage, Retail Credit

Card and Commercial Loan Servicing, Asset Management, Including Call

Center Operations - Re-Organizations, Change Management, Regulatory

Compliance (Federal, State and Predatory Lending), Underwriting, Quality

Control,, Branch Operations and Secondary Market Due Diligence Loss

Mitigation, Foreclosure and REO disposition, P&L Control and Third Party

Recovery Management

Maze I Enterprises LLC

President Owner

Mortgage Banking Consultant Jan. 2013-Present

Most recent projects: A) Compliance and Operations oversight mortgage loan

servicing organizations. Report findings to State regarding State and

Federal regulations compliance with consumer servicing agreement. Client is

confidential. B) project's principle objective is to analyze and respond to

claims of a breach of representations and warranties of the clients

residential mortgage contracts for all claims and counter claims against

the parties: private investors, bond insurers and others who sold

residential mortgages to a bank or investor where the parties believe there

has been a breach of the representations and warranties of their contracts.

C) Forensic underwriter and risk analyst, and provide expert witness

testimony in foreclosure rescue cases.

Solomon Edwards Group (Contract)

Business Analysts May 2012- Jan.2013

Performed foreclosure look back as mandated by the OCC consent order and

several major mortgage loan Servicers. Review and audit consisted of

compliance with State and Federal regulations and loan analysis to

determine if the Servicers actions resulted to harm to the borrowers.

Timeline, SCRA and other legal processes validation. Re-Underwriting of the

loan.

Adams Consulting (Contract)

Navigant Consulting

Business Analyst April 2012-May 2012

Forensic underwriting of mortgage loans involving litigation between lender

and investors. Parties confidential.

Aerotek Professionals (Contract)

Client Confidential.

Sr. Business Consultant Analyst QA Jan 2012- Feb. 2012

Perform quality assurance underwriting of HAMP loan modifications and other

loss mitigation programs offered to borrowers with economic hardship.

Assure that all Bank and Government guidelines have been satisfied and

documented.

Wells Fargo Home Mortgage

San Diego, Ca.

Mortgage Underwriter 4 Nov.2011-Nov 2011

Senior mortgage loan underwriter retail Conforming and Non Conforming loan

products. HARP loans. Credit signing authorization to $750,000.00. Assisted

in training and credit signing for underwriters with lower authorities

Aerotek Professionals (Contract)

@Bank of America Corp.

Sr. Business Consultant Analyst Aug. 2011- Nov. 2011

Perform quality assurance audit underwriting of HAMP loan modifications and

other loss mitigation programs offered to borrowers with economic hardship.

Assure that all Bank and Government guidelines have been satisfied and

documented.

SVS Group Inc. (Contract)

@ JP Morgan Chase Bank

(Correspondent Loan Division)

Quality Analyst Senior Underwriter June 2011- Aug. 2011

Quality assurance audit underwriter of wholesale and correspondent loans.

Review documentation and loan submissions and approve for funding. Examine

transactions to ensure accuracy and completeness and all Bank and Agency

guidelines have been followed.

Wells Fargo Home Mortgage

Minneapolis, MN Oct. 2010- May 2011

Senior Underwriter

Review, analyze, approve and underwriting large, unusual or complex

individual consumer requests and products within company and industry

guidelines. Functions include reviewing financial statements, credit

reports, and applicable ratios(i.e. Debt ratios, loan-to-value);

evaluating; examining transactions to ensure accuracy and completeness;

preparing formal reports for review; ensuring that documents are consistent

and uphold to company and industry guidelines; implementing fraud detection

techniques, performing compliance reviews; assisting with re-negotiations

of loans based on lending guidelines; contacting customers and partners to

gather information to make appropriate decisions, explain rationale behind

credit decision. Provide work direction and/or training .

Go2Mod.Com Sept. 2009-Aug. 2010

B2B and Consumer e-based Financial Servicing providing virtual Back-End

Loan Modification Processing services to Mortgage Brokers, Loan Officers,

Financial Institutions, Lawyers and Real Estate Brokers.

Bainesbridge Consulting (Contract)

Wells Fargo Home Mortgage

Senior Consultant Frontline Underwriter Feb.2009-July 2009

Mortgage frontline underwriting conforming and non conforming home

affordable refinance programs and other conventional wholesale loan

products.

Silicon Valley Council on Aging (Contract)

State of California

Employment Development

Staff Assistant Customer Service Sept. 2007-January 2008

Greet customers and provided them with information regarding available

State services, including Unemployment Insurance, job search resources, and

other community and social service organizations. Assisted and trained

customers basic computer skills and data entry to facilitate their

computerized job search and other program requirements.

American Mortgage Consultants (Contract) August 2006-

April 2007

Mortgage Consultant

Due Diligence underwriting for Secondary Market mortgage loans, quality

Control reviews, investigate possible fraud, review for Federal and State

regulatory Compliance. Audit for compliance with lenders underwriting

policies. Review lender broker and third party fees for high cost loan

testing as well as compliance with predatory lending rules.

Washington Mutual Bank NA

Wholesale Division Compliance Officer August 2005-June 2006

As Compliance officer I ensured compliance with all the requirements state

and federal mortgage laws and according to Company policy. I am responsible

for the evaluation of origination processes from a compliance standpoint to

ensure controls are in place. I implement all required action plans, new

policies and procedures as well as other initiatives that impact

compliance. Provide support to the origination, underwriting and operations

staff related to regulatory compliance questions and requirements. Provide

support to Management with timely meaningful information regarding level of

quality, trends and risks identified and provide recommendations for

improvement. Review policy and train staff to ensure a clear understanding.

Provide input to develop operational tools and aids to help avoid

compliance errors and violations. Monitors and reports on compliance

activities, ensuring integrity of work methodologies as they relate to the

execution of responsibilities and ensures compliance issues are identified,

documented and addressed by the appropriate party in a timely manor. Keeps

abreast of changes in state and federal banking regulations and laws.

Researched changes for impact on current operations and policies. Prepared

Loan Program disclosures and reviews loan documents in accordance with

applicable regulations

ComUnity Lending Inc.

Chief Compliance Officer March 2004-August 2005

Responsible for all Corporate Regulatory Compliance programs and policies.

Managed Regulatory Compliance Team, Licensing Team and Audit Team staff of

12 specialist. Reviewed federal and state legislation, and Predatory

Lending laws. Performed the necessary risk assessments and established

policy accordingly. Provided counseling and coaching the Licensing Team

specialist, responsible for securing all required Corporate/Branch federal

state and local licenses. This Team monitored and tracked individual loan

officer licensing and educational certifications where required by law.

Developed internal compliance training programs. Participated and made

recommendations document production systems and new technologies.

Participated in planning and development of new mortgage products Prime and

Non Prime. Participate in corporate due diligence reviews with private and

corporate investors to ensure maximum gain on sale to the secondary

markets.

Independent Mortgage Consultant*

July 2000- March 2004

Clayton Group Inc.*

Mortgage Data Management Co.*

Response Professionals Inc.*

Contemporary Services Inc.*

Select Personnel Dallas

Projects:

Wells Fargo Home Mortgage-loan origination, senior underwriting (front line

level IV) post closing audit, quality assurance, regulatory compliance.

Wholesale and retail loans.

Washington Mutual Home Mortgage- new loan set up auditing, quality control,

regulatory compliance auditing. loan servicing in default, bankruptcy loss

mitigation, foreclosure loan integration or portfolios acquired through

acquisitions of PNC, Bank United, Long Beach Mortgage and others.

Government, Conventional Prime, and Non Prime loans.

Ivy Mortgage, Household Mortgage and General Motors Mortgage Corp. and many

other National Lenders due diligence on performing and non performing

loans.

Mortgage loan counseling on defaulted mortgage loans for a national

mortgage loan service company. Respond to customer inquiries regarding late

payments, tax, insurance, escrow and other consumer inquiries. Initiate

calls to delinquent borrowers and negotiate repayment arrangements and work

with outside agencies to resolve bankruptcy/foreclosure matters. Recommend

adjustment

s and homeowner assistance plans to management for necessary approvals.

Assist in training staff.

THE MONEY STORE INC. First Union Bank

Now known as Home EQ Wachovia Bank Now Wells Fargo Bank

Vice President

Charge Off and Recovery Department September 1989-June

1999

Developed and implemented department policy and procedures for reviewing

potential loss accounts. Established guidelines and trained the staff on

the decision making process for the final disposition of delinquent loans.

Delinquent accounts were analyzed and either prepared for foreclosure,

litigation, or charged off based upon recommendation. Through research and

testing submitted the necessary proposals and received approval to

establish a formal Recovery Department; responsible for the management of

the collection of bad debt. Responsible for special projects as assigned by

the Director of Home Improvement Loan Servicing. Acted in concert with the

Compliance and members of the Office of Currency to resolve regulatory

issues and reviews of T.M.S. Reviewed and approved loan origination

documents to ensure compliance with Federal and State regulations. Start up

and established policy and procedures for of handling of "High Profile

Contractor Complaints". Responsibilities were to review research and

resolved contractor complaints with the potential of high loss, either by

litigation, adverse publicity, or both. Monitored Contractor's compliance

to FHA, and other state regulations regarding Home Improvement Loans.

Established systems necessary to monitor and report on complaints and

contractor irregularities. Completed California State's General

Contractor's licensing course.

Previous Positions Held at The Money Store

Vice President

National Asset Control Manager/Default Manager

Regional Loan Servicing Manager

Responsibilities included managing all problem loans including asset

integrity, bankruptcies, foreclosures, loss mitigation, REO management, and

disposition, P&L recovery.

Previous TM'S Positions Servicing Manager Southeast Region

Managed all servicing functions and branch operations for the Southeast

Region. Including underwriting, prime and sub prime loans.

Integrated regional service function for the national call center.

RHODES FURNITURE COMPANY

About Rhodes Furniture

NKA RTG Furniture April 1986-September 1989

Regional Credit Manager

Retail Credit Card Operation Private Label

(G.E.C.C.)

Responsibilities included the maintenance and review of credit department

operations for 8 retail furniture outlets. Control the extension of credit

and maintain delinquency control. Implement and audit office administration

and provide training to credit management personnel. Maintain liaison with

sales

management and provide assistance with credit promotion. Preparation of

operating budget for each credit department location. Design and implement

bonus plans for each location to provide maximum productivity and

motivation. Integrated regional operations into call center operations.

RESEARCH INSTITUTE OF AMERICA, INC. June 1983-April 1986

TOMPSON PUBLICATIONS

Director of Credit and Collections

Principle responsibilities were to create, implement and review company

policy in the areas of credit and collection. Determine applicability of

legislation to credit, collection, customer service, mail order and

personally secured sales to commercial and consumer customers. Control the

extension of credit to customers. Determine and implementation procedure

and course of action relative to customer complaints that might involve

litigation or high loss potential. Supervise in the preparation of

allowance for doubtful accounts. Maintain liaison with marketing and sales

force relative to credit, collection and customer service. Preparation of

operating budget in excess of 600M.Provided leadership and training for a

staff of 23.

EDUCATION

Marymount College NKA Fordham University

Tarrytown, NY In progress

Majors: Business Management and Education

Willing to relocate

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