Management Sales

BRIAN LATZ

BI-LINGUAL FRAUD INVESTIGATOR

*** ********** *****

Ballwin, MO 63011

636-***-**** / *********@*******.***

PROFILE

15+ years of success in mortgage industry with emphasis on fraud

prevention/risk management. Fluency in speaking, reading, and writing

Spanish.

Results include:

( 300% increase in loss avoidance totals year to year.

( Developed and instituted an information sharing service among other

banks in order to combat multiple lien fraud. Upon implementation this

program stopped $22MM in potential losses.

( Reviewed and enhanced existing procedures, which increased efficiency

and reduced time frames necessary to complete investigations by 50%.

EXPERIENCE

Citigroup St. Louis, MO

Senior Repurchase Coordinator 9/07 to 2/09

( Analyzed sales agreements to determine if seller was contractually

obligated to buy back defective loans.

( Researched and responded to rebuttals the seller offered in response

to CitiMortgage's initial citing.

( Reviewed settlement proposals offered by sellers and provided

management with recommendations as whether to accept proposal or refer

for litigation.

Senior Fraud Investigator/AVP 9/06 to 8/07

( Oversaw three fraud investigators and reviewed all home equity

investigations. Led team which recorded $167MM in loss avoidance in 2006

and $200MM in 2007.

( Developed procedures and instituted an information sharing service

among other banks in order to combat multiple lien fraud. This program

was implemented in 3/2007. In 2007 the losses avoided were $9MM. In 2008

losses avoided were $22MM.

( Spearheaded investigations into Brokers/Correspondents suspected of

fraud. Presented recommended course of action to Senior Management based

on findings.

Fraud Investigator 4/03 to 8/06

. Responsible for the training and development of new investigators.

. Served as primary Citigroup liaison with local, state, and federal law

enforcement agencies as well as other financial institutions.

. Led efforts with legal counsel and federal law enforcement to ensure

Citigroup compliance with corporate initiatives regarding anti-terrorism

and anti-money laundering.

Assistant Fraud Investigator 11/01 to 3/03

. Part of investigative team that claimed $22 million in loss avoidance in

2002, which tripled the total for the prior year.

. Developed and referred several cases to field investigators and law

enforcement that resulted in arrests and criminal restitution.

. Provided fraud prevention and detection to loan origination areas.

Fraud Investigations Coordinator 11/00 to 10/01

. Reviewed and enhanced existing procedures that increased efficiency and

thereby shortened time necessary to complete investigations, which

resulted in a promotion within 12 months.

. Created an extensive network of contacts throughout Citigroup allowing

quicker access to paper/electronic trails that are vital to

investigations.

. Reviewed Suspicious Activity Reports from Anti-Money Laundering unit and

recommended course of action to investigators.

Relationship Account Representative 7/98 to 10/00

. Served as primary contact for both English and Spanish speaking clients

during the home equity loan application process. Performed detailed

income, credit, and appraisal analysis in order to facilitate

underwriting decisions.

. Consistently received incentive bonuses for exceeding department goals of

booked loans per month.

Loan Closer 8/93 to 6/98

. Worked with clients, title companies, and closing attorneys to facilitate

the loan closing process.

. Member of a team that implemented a new document preparation system. This

system resulted in a savings of 115% per closing package, while also

increasing worker productivity.

EDUCATION

. Bachelor of Arts in Spanish - University of Missouri

OTHER

. Fluency in Spanish

. Member of International Association of Financial Crimes Investigators

(IAFCI)

. Willing to travel/relocate

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