Amy Bullock

*** *. **** ******, ****, AZ ***** - 602-***-**** (C) - actf88@r.postjobfree.com

Summary

Self-motivated. Financial/Auditing professional. Offering strong communication and quick thinking

skills. Works effectively on teams, as well as independently.

Highlights

Sarbanes-Oxley Highly Analytical

Information System Audit and Control Approachable

Association (ISACA) Reliable and Flexible

Contract auditing Organized

Risk management expertise

Experience

IMortgage, a division of loanDepot, LLC April 2015 to Current

PFQC Analyst

Scottsdale, AZ

Identifies, through random or risk-based sampling methods.

Reviews sampled files to ensure the quality control vendor has identified all defects and issues. This

review will encompass eligibility and underwriting requirements, collateral and appraisal (if

applicable) review, documentation review, support for underwriting decision, and compliance with

applicable laws and regulations.

Ensures that the QC vendor conducts its reviews in accordance with the company's QC Plan and

FNMA requirements.

Prepares reports related to review findings for senior management and reports noted loan defects to FNMA and FHLMC

Handles annual MERS audit/ reconciliation process and certification process.

Selects a sample of loans for pre-funding QC review by the Underwriting Support Department.

Provides summary reports regarding pre-funding QC deficiencies to management.

Sets specific standards for loan quality in the form of target defect rates and assist the Mortgage

Audit Analyst with other post funding quality control functions as needed.

National Residential Mortgage at Allsec Financial Services September 2014 to March 2015

Mortgage System Analyst/CRM

Scottsdale, AZ

Verify key fields are being populated with the correct system information of documents

Troubleshoot issues pertaining to migration testing for Onbroading to new LOS platform

Perform system testing for all change request prior to implementation to production

Implement changes to the CRM (Cadence Report Manager) system as defined in business

requirements specification

Work with Business Analyst to understand end-user requirements and offer recommendations for

solutions moving onto the AMC portal

Assist with root cause analysis of errors and QA reviews of process development

Document all system changes and modifications

Test manual/automation of necessary software applications and re-test of original test cases as a

UAT (User Acceptance testing) in (AMC) Accenture Mortgage Cadence, (CV) Commerce Volacitiy,

(CRM) Customer Relationship Management

Advise on improvement opportunities that solve issues of varying complexity of the loan processing

system

Interthix, a division of First American Title December 2012 to January 2014

QC Auditor

Tempe, AZ

Conduct file review of Post Close residential and commercial servicer performance for state and

federal compliance regulations

Review HUD, TIL, GFE, APR, and Escrow for accuracies

Reviewing for possible misrepresentation, omissions, inaccuracies and fraud flags within an

all-electronic environment

Verify the accuracy of income, credit and property(ices) Verification of tax returns {business and

personal}.

Review all loan types – Conventional, USDA, Fannie, Freddie, FHA, VA, HUD Utilized Lexius Nexius, Encompass, The Work Number, Microsoft Word, Excel and Access.

Promontory Financial Group, LLC/Robert Half Intl-Contractor August 2011 to November 2012

QA Complaint Review

Denver, CO

Examine quality of work from analyst to determine servicer performance

Adhere to all OCC (Office of the Comptroller of the Currency) and CFPB regulation pertaining to

complaints Review HUD, TIL, GFE, APR, and Escrow for accuracies.

Review all loan types – Conventional, USDA, Fannie, Freddie, FHA, VA, HUD Collecting of

qualitative and quantities data for comparison and trends for sampling

Responsible for carrying out the requirements of the Foreclosure Review according to Article VII

and to identify borrowers who may have suffered financial injury.

Wells Fargo Home Mortgage March 2010 to May 2011

Loan Underwriter/Adjustor

Tempe, AZ

Responsible for reviewing and adjusting collection portfolios which require special handling or

analysis to reduce delinquent/problem loans within framework of company or investor guidelines.

Underwrite and analyzing credit/account information Analyze income, Negotiate/recommend

restructure plans.

Adherence to terms of agreement, Corresponding with customers; skip tracing and handling of

workouts and restructuring of problem loans; restructuring payment plans; and recovering

charged-off loans.

May assist in filing legal actions and following up on liquidation of secured property and payment

adjustments. Analyze account equity to determine foreclosure status, if any.

Adhere to HMDA, ECOA, FCRA, FDPA, AML, REG X for servicing

Accomplishments

Achieved an internal audit score of 80%.

Assisted in implementing a new mortgage LOS platform and performance testing with round table

discussion toward best possible implementation methods for company generating $6.8 billion in assets in their expansion project.

Education

Utica College October, 2015

Certification: Financial Crime

Utica, NY, United States

2.94 GPA

Emphasis in Fraud/AML/BSA

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