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Vice President of Compliance

Location:
Laguna Niguel, California, United States
Salary:
125,000.
Posted:
August 31, 2017

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Madison Tinker, JD/MBA ac13a9@r.postjobfree.com

***** ****** ****, **** #* Laguna Niguel, CA 92677 (949)-***-**** SUMMARY OF QUALIFICATIONS

A seasoned professional with a profound concept and understanding of Compliance Law through education and 25+ years of experience. Proven track record that shows strong initiative, collaborative skills, project management expertise, and a deep knowledge of information technology. Exceptional follow through with attention to details, and excellent communication skills. Focused on strategic agendas while managing daily job functions under the high expectations and pressure of tight deadlines. Outstanding legal background in compliance matters with an impressive track record of hands-on experience in optimizing business affairs and the proven ability to facilitate solutions that consistently achieve corporate business goals. Enthusiastic communicator with proven analytical skills to develop detailed reports. Proven problem-solver with diverse audit and compliance experience.

Problem Solving – Proven ability to develop both creative and innovative solutions to compliance challenges. Establishes and manages business relationships for change and for improved performance and efficiency.

Exceptional Interpersonal and Communication Skills – A proven leader with superb communication skills that are augmented with a unique blend of business and legal experience to resolve difficult business issues.

Work Ethic and Professionalism – Solid professional standards and an excellent record of dependability. Maintains focus on achieving bottom line results while ensuring the implementation of new initiatives. PROFESSIONAL EXPERIENCE

Noble Capital Corporation Laguna Beach, CA

Vice President of Compliance January 2009 – Present Create and develop policies and procedures to minimize lending risks with compliance issues and situations. Implemented internal and external audits whereby developing and producing executive compliance risk reports for the Board of Directors. Ensure that all lending activities adhere to all applicable state laws and regulations.

• Create, develop, and implement action plans with appropriate measures to lower residual risks while maintaining company’s steadfast goals. Consistently update all future processes and internal controls to determine exposure to lending risk factors regarding underwriting, pricing, and steering discriminatory.

• Responsibilities include: conducting compliance training and leading continuous process improvements.

• Identify and define problems, collect data, establish facts, develop solutions, and draw valid conclusions.

• Interpret technical instructions in different forms; deal with several abstract/concrete variables simultaneously.

• Expertise and knowledge in Federal laws and regulations governing lending, such as: ECOA (Reg. B), TILA

(Reg. Z), RESPA (Reg. X), HMDA (Reg. C), (Reg. AA) Unfair or Deceptive Acts or Practices, FCRA, UCC, and Privacy Act and Safeguarding Customers (Reg. P), Community Reinvestment Act (Reg. BB), Homeowner’s Protection Act and Flood Disaster Protection, including the ability to apply these requirements to business practices and systems, and Bank Secrecy Act: Anti-Money Laundering OFAC, CIP.

• Comprehensive knowledge of multi-state Broker Licensing Procedures and whereby, state compliance issues.

• Responsible for the development of Quality Control Department and controls to write new policies and procedures that support functions and implementation of risk mitigation measures.

• Assigned Broker Approvals to potential wholesale and correspondent clients. Developed corporate policies and procedures for rendering approval. Objectives as determined by volume, risk factors and general market conditions.

• Develop, lead, and continually evaluate through internal policy or regulatory assessment/reviews for compliance program, promoting adherence to all applicable federal and state laws and regulations.

• Formulate and communicate compliance strategies, goals and objectives, as well as strategic vision for compliance that effectively manages and mitigates risk that is consistent with risk tolerances – identifying benchmarking compliance monitoring practices, implementation strategies, and corrective action plans. Noble Capital Corporation Long Beach, CA

Vice President of Operations June 2002 – January 2009 Managed and mentored a staff of 52 retail government and conventional underwriters, loan processors, loan disclosures and loan opening departments.. Adhered to underwriting overlays and investor guidelines to complete FHA/VA, and Agency loan analysis. Requested completed loan documentation to ensure accuracy. Prioritized workflow in accordance to closing or funding order.

• Examined transaction and investor manual to ensure compliance with all investor guidelines and overlays.

• Performed compliance audit; analyzed corporate and personal tax returns. Leveraged verbal and written communication skills.

• Rendered timely underwriting decisions; worked with account managers, account executives, and funders.

• Performed extensive Mortgage Loan Document audits for FHA/VA and rendered credit authority and 2nd signings to new underwriters. Handled the hiring of new talent and all disciplinary measures.

• As retail loan underwriter, performed manual and automated underwriting for Agency, FHA, VA, USDA, and all portfolio loan products. Reviewed, examined, and underwrote loans to ensure soundness, business value, and compliance within Fannie Mae, Freddie Mac, FHA, and VA guidelines.

• Demonstrated ability making 24-hour underwriting decisions to deadlines while adhering to state/federal regulatory and compliance procedures.

• Formulated decisions for escalations on complex and higher risk applications.

• Fostered a team environment – resulting in greater understanding of products.

• Conducted training on various legal topics; established compliance culture and risk mitigation mindset.

• Aligned the organization's goals within the company’s risk strategy, direction, and overall compliance. Goldman Sachs New York, NY

Corporate Investment Manager/VP June 1985 – June 2002 Sold mortgage-backed securities loan pools in billion dollar bulk buys nationwide for private investors. Adhered to FNMA and FHLMC regulations, procedures, and guidelines. Earned a signing authority of $2.5 million per loan transaction. Managed finances for domestic projects. Deeply experienced in developing and implementing company policies and procedures for financial transactions, which resulted in standardized reports.

• Coordinated relationships with other finance departments and lenders, which helped standardize procedures across all operating groups. Supervised a staff of 22 team captains, supervisors, and managers. Served as site operations officer (loss mitigation project) for Washington D.C. investors in 2001.

• Drove achievement of bulk purchase revenues and growth goals by focusing on loan performance.

• Stayed current with investor’s strategies, directions, and operations. Conducted departmental meetings to share best practices, review performance against target goals and timelines, and conduct internal training.

• Communicated with other Finance departments and lenders to ensure documents were in compliance.

• Primary responsibilities included suitability review with specific concentration on investment products. EDUCATION

Western State University of Law Fullerton, CA

Juris Doctor 1989

Masters of Business Administration 1989

Chapman University Orange, CA

Bachelor of Arts in Political Science 1985

COMPUTER SKILLS

Microsoft Office (Word, Excel, PowerPoint, Outlook), AUS, LP/DU, TMO, Fair Lending Wiz, and SharePoint



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