Loan Quality
Resume:
Linda M. Green
Tempe, AZ *****
***************@***.***
Professional Summary: Accomplished professional with 29 years in the Banking/Financial Institutions and Mortgage industries with Operational Management, Risk Management and Compliance, Internal Audits, Analytical Reviews, AML/BSA OFAC Risk Assessments, Lookback Remediations and Fraud Risks experience. Performs portion of the bank’s portfolio in order to determine compliance regulatory laws within the banking industry with AML/BSA (Bank Secrecy Act), FINCEN, OFAC, FCC, KYC/KYA, CIP, CDD/EDD, EB-5 Visa Legislation, FATCA, FCPA, FATF, CCAR and DFAST. Basic knowledge of CDOT and Bitcoins. In addition to an excellent knowledge of mortgage industry guidelines with credit/fraud risk, federal and state compliance regulations such as TRID, ECOA, FCRA, SAFE Act, UDAAP, HMDA/LAR, SCRA, CFPB and FACTA. Strong critical thinking, analytical and research investigations, ability to mitigate risk, fraud prevention and decision-making skills. Demonstrate ability to deliver written and oral messages confidently and accurately within given timeframes; strong negotiation skills; flexibility to adapt to new situations and work sites, including ability to travel; self-motivated and is able to work independently. Maintain awareness of industry trends and fraudulent activity to assist management with strategy recommendations to help minimize financial loss.
Skills/Qualifications
Actimize
IS View
FIS- Prime
Patriot Officer
World Check
Lexis Nexis
ABA Toolbox
Image Centre
FIS-Metavante
Synergy
E Statement
Watchdog
BAM (Business Account
Liberty
Yellow Hammer
Microsoft Word and Excel
Loan HD System
Lit Support
Salesforce
ShareFile
Simplifier (county recording system)
Citrix
iCaseWorks
Case Tracker
AS400
Pacer
AACER
BLS Websites
FIS Servicing Analyzer
Calyx Point
Loan IQ
Contour Desktop Underwriter (DU)
Loan Prospector (LP)
Gov’t Underwriting (GUS)
Early Check
CLUES
Asset wise
DataCross
Ombudsman
RealResolution
24 Carat
ResWare
RealDoc/Vault
Encompass
FISERV
Loan Sphere MSP (servicing system)
LPS/Black Knight Financial Services
RealServicing
QuestSoft
Compliance Ease
Mavent
APR Win
Spice Works
ePosting
Rushmar
Land Safe
Share Point
MS Project
Citi Frame
DRI
DARTS/HSSN
Jack Henry
Mortgage Cadence
Lotus
Data Link System (DLS)
LIS
Loan Works
Strat Q.Net
Quadravision
DataVerify
Education
High School Diploma, Leonardtown High School, Leonardtown, MD, 1982
Certifications/Workshops/Training
Anti-Money Laundering for Ocwen Loan Servicing 2016
Antti-Money Laundering for East West Bank 2015 & 2016
Know Your Customer (KYC) Workshop 2015
Annual Face-to-Face AML Sanctions & Anti-Bribery & Corruption 2014-2015
Anti-Money Laundering for Banamex 2014 & 2015
Currently studying for CFEC (Certified Fraud Examiner Certification)
Currently studying for ACAMS (Certified Anti-Money Laundering Specialist) designation
Work Experience
Sturcture Network Irvine, CA
Sr Forensic Fraud/Compliance Auditor Jan 2018 – March 2018
Same job description as The Stonehill Group
The Stonehill Group Atlanta, GA
Sr Forensic Fraud/Compliance Auditor June 2017 – Nov 2017
Supported and assisted actions with regulators to strengthen its litigation resolution and performed a Forensic Audit and Contractual Terms (FACT) at every stage of the dispute (Plaintiff)
Responsible for 2nd level QA review audits for quality assurance, credit, collateral, capacity and compliance regulations and ensured QC audit review qualities are within acceptable risk
Performed an extensive “deep dive” re-underwriting forensic review of closed Jumbo/”Alt A”/Sub Prime mortgages for credit worthiness, fraud issues with applicable State and federal laws and adherence to specific lender guidelines and identified misrepresentation on the part of all interested parties
Reviewed previously underwritten “Alt A”/Subprime loan files to determine compliance with lender credit underwriting guidelines, representations, warranties and to ensure an investment quality loan product
Performed a detailed cursory forensic audit of loan files (The review includes compliance issues, HMDA reporting, RESPA, identifying potential fraud and/or misrepresentation on the part of all interested parties - under the Truth in Lending Act (Regulation Z)
Made appropriate and intelligent decisions to identify deficiencies in order to create detailed “Breaches/Allegations” based on audit findings with the aptitude to identify “Red Flags”
Identified misrepresentation, inconsistencies, and/or fraudulent activity from analyzing the loan documentation and transaction
Conducted post-closing review of Loss Mitigation documents and conducted searches using LexisNexis to verify; Identity Report, Property History Report and Verification of Occupancy and PACER to review bankruptcy documentation
Mission Capital (Consultant @ BMO Harris/HSBC) Brookfield, WI/Remote Fraud//Sr Due Diligence Auditor July 2016 – June 2017
Performed detailed reviews of closed loans for Residential/Commercial loan files and analyzed the data from all angles and uncover any subtle problems or discrepancies
Assisted with due diligence of residential mortgage loans pertaining to servicing (including tax and title) and default servicing (Foreclosure/Bankruptcy/Loss Mitigation)
Completed a thorough analysis of files for creditworthiness, layered risks and determined adherence to underwriting guidelines, capacity of the income from the business to adequately service the debt, assessed loan servicing documentation adequacy and data quality for regulatory compliance
Reviewed servicing history records and other documents to determine standard modification practices, standard short sale, forbearance, collections and foreclosure guidelines
Reviewed loan files to validate information reported on the HMDA
Extensive knowledge of MERS, Assignment of Mortgage, Allonge/Endorsements, Bailee Letters and made recommendations on clearing title issues - Tax and Title reviews
Treliant Risk Advisors Washington, D.C.
Expert Support Auditor/Litigation Consultant Aug 2016 - Oct 2016
Supported and assisted actions with regulators to strengthen its litigation resolution a Forensic Audit and Contractual Terms (FACT) requirements (Defendant)
Audited the QC Reviewer & Loan Reviewer’s issues and analyzed files to either rebut or confirm the alleged breach allegation
Answered questions and acted as a liaison between the Expert Witness, QC and Loan Analyst
Made appropriate and intelligent decisions to identify deficiencies and performed sufficient investigative work detailing any fraudulent components
Performed quality control reviews and provide a final written explanation of the QC and Loan Reviewer’s findings, including the citation of loan documents, and lending guidelines in a clear and concise manner
Ensured timely resolution and determine whether supporting documentation received is sufficient to validate the alleged allegations
AllSource/FIS (Consultant @ Ocwen Loan Servicing) Coppell, TX
Regulatory Compliance Analyst II Jan 2016 – July 2016
Performed a diligent direction for compliance issues with the terms of the consent; Assessed Servicing Practices and Compliance with Consumer Protection Laws
Performed Regulatory Compliance Reviews on loan files and reported to the DBO on Ocwen’s compliance issues with the 2012 Homeowner Bill of Rights, CA Residential Mortgage Lending Act and other state and federal laws and regulations
Worked closely with other Lines of Business and teams within the foreclosure areas; Foreclosure, Bankruptcy, Deed in Lieu/Short Sale, SCRA, HMDA Reporting, Borrower Complaints, Qualified Written Report (QWR), Request for Information (RFI), Forced Placed Hazard Insurance/Flood Determination adhering to the FDPA policy and wrote up a Work paper on the finding for Insurance process
Assisted in tracking flood/forced placed insurance process to determine coverage for lapses or cancelled policies
Performed reviews and audits of products and services to validate compliance with high risk regulations or detect regulatory violations, weak controls or other potential areas of exposure
Robert Half/Protiviti - (Consultant @ East West Bank – Foreign Bank) Los Angeles, CA
Transaction Monitor Analyst/AML Investigator Oct 2015 – Mar 2016
Supported and assisted actions with regulators to strengthen its compliance with anti-money laundering requirements with a “Written Agreement” from the Federal Reserve Bank
Managed a caseload of investigations and performed analysis from beginning to completion; “cradle to grave” according to the Bank’s policies and procedures
Cleared alerts to detect possible high-risk customers on new account relationships using internet research, LexisNexis, etc. to determine the origination of the alerts
Identified the scope of suspicious activity and perform continuing activity reviews and escalate issues to internal areas as necessary according to; (Velocity, Suspect Kiting List, Structure, PSAR reports)
Researched and made determination about disposition and further necessary action, through detailed investigation of individual transactions
Escalated to the Business Unit Compliance Officer and Financial Intelligence Unit (FIU) any discrepancies found in the due diligence investigation on preexisting account holders and remediated non-compliant accounts
Conducted enhanced due diligence reviews on existing clients in accordance with CIP/KYC policies and the USA Patriot Act for High Risk Customers/Countries (HRC) predominantly international clients and sensitive domestic clients such as PEPs, EB-5 or those associated with high risk industries and/or countries
Performed due diligence reviews for opened accounts; once due diligence on KYC has been completed Reviewed and escalated on-boarded current HRC clients and/or analyzed and reconciled incoming or outgoing data (RFI requests) for accurate translation to platform
Determined the best set-up for client accounts and established or made updates to client accounts
Provided a customer due diligence (CDD) capability to better understand member for risk rating, financial behaviors, risks associated with member geographic locations and member-specific negative news (based on agent risk models in accordance with departmental processes and procedures)
Quality Analytics (Consultant @ Dep’t of Justice) Los Angeles, CA
QC/Sr Forensic Underwriter/Compliance Auditor July 2015 – Sept 2015
Performed moderate to complex Forensic Audit and Contractual Terms (FACT) as part of an engagement team, receiving general direction of the Department of Justice (Plaintiff)
Responsible for auditing the underwriter's issues put forth and analyzed the loan file to create detailed “Breaches” based on audit findings and write a precise narrative finding
Identified misrepresentation, inconsistencies, and/or fraudulent activity from analyzing the loan documentation and transaction
Performed a detailed cursory forensic audit of loan files (The review includes compliance issues, SCRA and HMDA reporting, RESPA, TRID identifying potential fraud and/or misrepresentation on the part of all interested parties - Ability to Repay and Qualified Mortgage Standards under the Truth in Lending Act
Conducted a thorough audit of Subprime residential mortgage loans to identify both Underwriter and Borrower fraud, (e.g. misstatement of income, hiding liabilities, improper disclose of borrowers, inaccurate appraisal, purchase contracts, Compliance issues, etc.)
The Oakleaf Group Chevy Chase, MD
Forensic Fraud/Compliance Auditor April 2015 – Sept 2015
Performed a Forensic Audit and Contractual Terms (FACT) of closed mortgage loan files for compliance with applicable State and federal laws and adherence to specific lender guidelines (The review included identifying potential fraud and/or misrepresentation on the part of all interested parties) (Plaintiff)
Conducted a thorough review of “Alt-A”/Subprime residential mortgage loans to identify both Underwriter and Borrower fraud, (e.g. misstatement of income, hiding liabilities, improper discloser of borrowers, inaccurate appraisal, purchase contracts, Compliance issues, etc.)
Created detailed “Breaches” based on audit findings and wrote narrative
Ensured that all loans were following internal Bank guidelines, state and federal regulations (i.e. SCRA, USPAP, FIRREA, HMDA, RESPA, FNMA, FHLMC, and Fair Lending)
Conducted post-closing review of Loss Mitigation documents and conducted searches using CLEAR-Thomson Reuters and LexisNexis to verify; Identity Report, Property History Report and Verification of Occupancy and PACER to review bankruptcy documentation
Slate Professional/GAP - (Consultant @ Banamex – Foreign Bank) Los Angeles, CA
AML Team Lead April 2014 – May 2015
Responsible for on site management of Project resources and for ensuring overall compliance with the terms of the contract between Global Atlantic Partners (GAP) and “Banamex” (Latin American subsidiary of Citibank) for an OCC/FDIC AML Consent Order
Provided day to day Team Lead functions to a team of AML Quality Assurance and EDD/KYC Investigators/Analysts (performed periodic reviews of the Bank’s high-risk customers)
Provided support with internal audit of compliance and internal control audits on SAR reports
Researched and made determination about disposition and further necessary action, through detailed investigation of individual transactions
Analyzed and reviewed OFAC (Office of Foreign Assets Control) and Memo Screening Reports and performed OFAC scans/scrubs of incoming International ACH Transactions (IAT)
Utilized OFAC lists to review alerts for possible matches to the list, clear false positives, block and report matches and reviewed and investigated alerts
Performed customer due diligence on the bank’s KYC and CIP policy on all Retail, Corporate and Commercial “on boarding” documentation for proper accuracy as well transaction review and monitoring, ensuring compliance, look backs and identified “Red Flag” transactions for High Risk Customers/Countries (HRC)
Customers/Countries (HRC)
Mission Capital Advisors New York, NY
Compliance/Collateral Loan Auditor Jan 2014 to April 2014
Performed detailed review of closed Residential and Commercial loan files and analyzed the data from all angles to substantiate the raw information and uncover any
Assessed documentation adequacy and data quality and audited credit/collateral/compliance packages under the directive of major banks
Analyzed the institution's portfolio to determine Compliance as well as marketability
Extensive knowledge of MERS, Assignment of Mortgage, Allonge/Endorsements, Bailee Letters and made recommendations on clearing title issues
Tracked SCRA loans and updates accordingly in the lending institution’s system
Verified regulatory compliance at the federal, state, and local level including high-cost and anti-predatory lending regulations
Cognitive Options (Consultant @ B of A) Westlake Village, CA
QC/Sr Forensic/Fraud Auditor March 2013 - Jan 2014
Supported and assisted actions with a Forensic Audit and Contractual Terms (FACT) to strengthen its litigation resolution requirements (The review included identifying potential fraud and/or misrepresentation on the part of all interested parties) (Defendant)
Conducted quality control reviews for 10 (ten) mortgage forensic/rebuttal underwriters
Audited the underwriter's issues put forth on “Alt-A”/Subprime mortgage loans and analyzed files to either rebut/confirm the alleged breach allegation
Provided a final written explanation of the underwriter's findings, including the citation of loan documents, compliance issues and lending guidelines
Identified misrepresentation, inconsistencies, and/or fraudulent activity from analyzing the loan documentation and transaction
Answered questions and acted as a liaison between the Senior Credit Officer (SCO) and the Forensic underwriting team
Ensured timely resolution and determined whether supporting documentation received was sufficient to validate the alleged allegation
Performed vigilant due diligence audit reviews for HMDA/LAR Data Integrity
S.E.G/Promontory Financial - (Consultant @ Bank of America) Pasadena, CA
Fraud Auditor/Team Lead Sept 2011 - Jan 2013
Responsible for on site management of project resources and ensured overall compliance with the terms of the contract between Promontory Financial and B of A for an OCC Foreclosure Consent Order
Supervised a team of 21+ Fraud/Compliance Auditors and monitored daily team
Followed prescribed instructions from the (OCC) on their policies, checklists and referenced guidelines in order to locate red flags and guidelines violations
Performed forensic audits on selected class of portfolio to determine HARM/FRAUD to the borrower through servicer’s actions to policies and procedures
Stayed abreast of changing fraud environments to help mitigate their impact to the organization
Maintained consistency and quality of assigned functions according to established policies and procedures
Determined escalation requirements if necessary of audit reviews on Suspicious Activity Reports (SAR) or Suspicious Incident Reports (SIR) for the purpose of detecting and reporting suspicious activity
Supported senior associates and managers in the execution of engagement
Investigated relevant information assessed to report unusual client activities which might relate to sanctioned individuals, money laundering or terrorist financing and performed “User Acceptance Testing” (UAT)
Consulted with and advised operating units and managers affected by fraud related issues and regulatory requirements
Global Advisors for Fannie Mae (FNMA) (Consultant @ CitiGroup) O’Fallon, MO
Foreclosure /Loss Mitigation Team Lead Aug 2008 – Sept 2011
Managed a team using a Delayed Directive Tool (DDT) governing foreclosure delays
Represented the unit as an expert or resource to cross-functional project or coordinating teams
Reviewed pre-foreclosure referral cases pursuant to a standard review program Trained Escalated Case Unit (ECU) staff regarding the Home Affordable Modification Program (HAMP)
Reviewed loan servicing history records and other documents to determine services' compliance with modification, standard short sale, forbearance, collections, property preservation, and foreclosure guidelines
Played a major role in eliminating foreclosure delays on 18,000 loans within 90 days
Key liaison in the implementation of the FNMA Delayed Directive strategy
Managed daily decisions to delay FC for workouts of loans in the 18 – 24 months past due
Ensured the accuracy of foreclosure fees and investor’s compensatory fees
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