***** ******** **. • Whittier, CA • *****

Phone 562-***-**** • E-mail acujs0@r.postjobfree.com

SANDRA L. ARIAS

OBJECTIVE

Seeking a position in the AML/BSA Analyst / Mortgage Industry where my skills, education, and experience can be effectively utilized.

SUMMARY OF QUALIFICATIONS

Over 25 years in mortgage related field. A great understanding of how the mortgage servicing industry works. Knowledge of investor guidelines including but not limited to FNMA, FHLMC, GNMA, FHA, and VA.

EMPLOYMENT

AML COMPLIANCE CUSTOMER ANALYST & CONSULTANT

Know your Customer (KYC) / Anti-Money Laundering (AML) Compliance Analyst for Banamex USA Audit Project 7/14-3/15 (Contract)

Analyze customer accounts/ transactions to determine required data needed to complete KYC/AML bank initiative for audit compliance. Proactively contact holders and business account mangers to schedule appointment for gathering needed data. Gather and evaluate Know Your Customer data and Individual/Entity Account Profiles in accordance with Citi Bank procedures. Review Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) as supporting documents prior to contact.. Complete. Ensure all files RFI (Request For Information) from Analyst have been received and submit to QA for audit closure.

DIDITAN FINANCIAL, INC.

Assistant Loan Processor 7/1/13-7/14

Part time 5/18/15 -Present

Verify that all required documents are received from the borrower.

Confirm that if additional documentation is required that it is received and

Acceptable prior to submission. Preliminary verbal-phone-mail verifications and Employment, Rent, Bank Deposits etc

INTEGRATED LENDER SERVICE (ORANGE COAST TITLE)

Assistant Trustee Officer 03/12-6/13

Process Foreclosure referral, customer service with borrower to assist in Loss Mitigation Programs/Basic customer Service questions, recording of NOD, Bankruptcy filing orders, process files to Foreclosure Sale. Update client/vendor website LPS Invoice Management, LPS and Lenstar Experience.

ESCROW DISBURSEMENT

Disbursing funds, HUD input and Ledgers

T.D. SERVICE, SANTA ANA, CA

Senior Technician 07/08-2/2/12

Responsible for Sale Packages, Publication, Title Endorsement’s and Close out files. Review and process Foreclosure referral recording of NOD, Bankruptcy filings/orders, calculate opening bids/postponements. Update client/vendor websites. Set up new Foreclosure referrals. LPS Experience

WATERFIELD BANK (BANC FORCE FINANCIAL STAFFING 5/08-12/08) IRVINE, CALIFORNIA/ FDIC RECEIVERSHIP FOR WATERFIELD BANK

Loan Servicing Specialist 12/08 to 5/7/10

Responsible for adherence to all compliance programs, including but not limited to, completion of all required and assigned compliance training modules by established due dates.

Understands and complies with requirements of all laws, government, investors and agency regulations applicable to position.

Maintain current knowledge of portfolio loan programs credit policies and guidelines, as well as awareness of trends that may impact credit in the portfolio.

Responsible for placing outbound calls and receiving in-bound calls from clients who are in the process of foreclosure proceedings.

Responsible for assessing client’s financial situation, including monthly cash flow analysis and performs financial overview to determine the best options and/or workout plan.

Responsible for completing judicial (court proceedings) and non-judicial (non-court) foreclosure in a timely and cost effective manner consistent with bank’s policies and procedures.

Order BPO (broker’s price opinion) and appraisal values and prepare foreclosure bids.

Respond to issues and questions raised by attorneys to ensure foreclosure timeline is kept on-tract.

Report REO marketing process including occupancy status, BPO opinions, and monthly status reporting, evictions and coordinate with listing broker, for pricing, repairs etc.

Responsible for making daily collection calls and resolving disputes, billing issues.

Responsible for the determination of reason for overdue payments.

Responsible for negotiating payment arrangements with borrowers that are in a payment delinquent status.

Maintain effective reporting of activities and results.

Participate in the training/cross-training of department employees.

Maintain effective working relationships internal personnel and external contacts.

Acts as information resource.

Maintain production according to bank’s established standards.

Performs other duties as assigned.

GATEWAY BUSINESS BANK SANTA ANA, CALIFORNIA

Default Administrator 10/98-8/07

Supervise Collection, Foreclosure, Tax, Insurance, and Bankruptcy Departments

Monitor FNMA, FHA, and FHLMC REO’s

FHA VA PMI Claims

Loan set ups

Customer Service

Year end Escrow Analysis

SUN WEST MORTGAGE COMPANY, CERRITOS CA

Consultant in Loan Servicing 11/97-10/98

Clean-up the delinquent property taxes, Hazard Insurance. Cross trained in Customer Service

NATIONAL PACIFIC MORTGAGE ANAHEIM, CALIFORNIA

Default Administrator 3/85-8/97

Manage all servicing areas

Responsible for handling Collections, Escrow Analysis, Foreclosure, Bankruptcy, Taxes, and Pay-off services

HUD VA PMI Claims

EDUCATION

EAST L.A. COLLEGE LOS ANGELES,CA

A.A. in Sociology 1974-1976

U.C.L.A. LOS ANGELES,CA

Sociology 1977-1979

SKILLS

Fluent Spanish speaking and writing. Knowledge of LPS, McDonald and Alltel/CPI systems. Microsoft Word and Office. Great communication skills. Effective organizational and time-management skills.

Contact this candidate