GALINA BAYER

** ****** ****, ****** ******, NY **309

Home 718-***-****/cell 718-***-****

ac75wx@r.postjobfree.com

SUMMARY:

Strong leadership, communication, negotiation, and organizational skills, as well as my excellent analytical skills and aptitude for interpreting detailed information. Experience in AML Compliance, KYC, Legal Documentation and healthcare. Great ability to learn and adapt in a new environment. I manage my own desk/workload without any supervision.

HARDWARE: IBM-PC and compatibles.

SOFTWARE: MS Office Suite (Access, Power Point, Outlook, Word, Excel, Quick Books), Uniform, Genesis, Fitech, Integra, Optis, Corelogic, Zippy Plus, Ceridian Processing System, PowerBuilder/Sybase/Microsoft SQL Server, knowledge of Visual Basic.

EXPERIENCE:

JP MORGAN CHASE 08/2016 – 08/2018

Compliance/Investigations/Quality Assurance

Responsible for Inspection/ Repair SAR Reviewing

Analyzed individual Suspicious Activity Reports (SARs) and making the final approval for submission to FinCEN.

Independently conducted reviews of all Suspicious Activity Reports (SARs) and cases completed by FCOI regarding internal and external investigations prior to the submission of the SARs to FINCEN.

Ensured that key data and issues related to the investigation are documented and critical regulatory reporting decisions are complete in an accurate and timely manner.

Ensured Investigators adhere to Board-approved policy framework as well as Enterprise-wide standards and guidance. With minimal oversight, makes sound decisions, consulting with management on more complex issues ensuring accurate high quality reports are filed.

Monitored processes to ensure that SAR filings are completed within the federal regulatory timeframe.

Position involves access to highly sensitive and confidential information.

Reviewed evidence for SARs prepared by Investigators for cases ensuring that SARs are completed properly and in accordance with Regulatory Guidelines: evaluates case information and concludes that accurate information is reflected in filings.

Made changes to SARs as needed; coordinates with SAR Preparers to communicate issues identified; documents findings in FCOI Case Management System (HALO/FCIP); approves completed SARs for filing.

MANAGEMENT TECHNOLOGY INC. 08/2011 – 07/2016 – Government Contractor

Data Management Analyst

The Division establishes customer requirements, negotiates occupancy agreements with tenant agencies, maintains a tracking system for space assignments and billing, conducts competitive procurement processes, which include the negotiation of highly complex lease transactions and markets and outleases vacant space. The Division also handles the administration of all leases in the inventory, including changes in ownership, modifications to lease contracts, effecting operating rent increases/decreases and processing tax adjustments.

Responsible for reviewing/processing of all administration highly complicated Leases, Operating Rent increases/decreases and processing Tax Adjustments for the Real Estate Acquisition Division using various Templates.

Responsible for calculating Operating Rent based on the specific language of the Lease, requirements and rates, multiple units/space being added to the Lease.

Responsible for reviewing Supplemental Lease Agreements for the specific language per Lessors request to accommodate Government needs to conduct business.

BANK OF AMERICA 09/2010 – 03/2011

Sr. Mortgage Processor

Process approved loan applications, provided communications to borrowers on the requirements for closing.

Researching/investigating housing history, employment, and credit reports for fraud alerts.

Review Loan Prospector/Desk Top Underwriting eligible/ineligible findings per loan parameters, in house system.

Review debt ratios, making corrections and re running for system revised findings, submitted loans for underwriting.

Review Titles, Home Owners Insurance, credit reports.

Communicate with customers/loan officers to close loans in a timely manner.

JP MORGAN CHASE PRIVATE BANK 2009 – 2010

Mortgage Specialist

Provided administrative support, assisting manager with all tasks, and generated ad hoc reports to management.

Entered loan parameters data in the automated Excel Spreadsheet for approval. Following up on conditions with Underwriters.

Provided updates and maintained an automated process for loan approval.

Reviewed post closing files and insured all conditions are satisfied including all documentation is in order for audit review.

JP MORGAN CHASE 2007 - 2008

Sr. Mortgage Processor

Using an Automated Underwriting system assisted Chase in meeting or exceeding customer's expectations. For many of the Chase products, Chase has incorporated the use of an automated underwriting system that provides a mortgage risk analysis approach to evaluating an applicant's credit profile. Using Chase customized software to the current functionality of the system, which incorporates Chase specific product rule sets as well as interfaces with the Agency systems of Loan Prospector and Desktop Underwriter.

Reviewed the applicant information, obtained an initial credit decision, analyzed any referral message and obtained any required documentation requested by the system. An accurate decision is dependent upon accurate data entry.

Used The Credit Policy Guide in conjunction with Product Guides and Operational policies and procedures, established the cornerstones that govern the origination, underwriting, and operational risk management of first mortgages consistent with the strategic purpose of building an investment quality portfolio for Chase and its investors. The key factor in building a portfolio of invest.ment quality mortgages is the necessity to exercise common sense, responsible judgment, and accountability in their respective roles and responsibilities.

Responsibilities included processing per Fannie Mae and Freddie Mac Guidelines, closing and compliance for loan products, interpreting policies while analyzing applicant, property and documentation, reviewing Titles, credit/income documentation, Home Owner Policies, pricing, closed loans within 30 days.

Responsible for processing and reviewing Federal Home Loans.

RESMAE MORTGAGE CO. 2006 – 2007

Underwriter I -Responsible for Desk Top Underwriting and mortgage processing

ResMAE is a wholesale lender that originates, purchases, sells, and services residential mortgages secured by single-family residences. ResMAE serves the needs of borrowers who do not conform to traditional a credit lending criteria due to credit history, debt-to-income ratios, or other factors.

Managed a pipeline of approx 55+ files. Depending on delegation, responsibilities may include making credit decisions, issuing commitment letters, and clearing loan conditions.

Reviewed and consolidated terms of approval with borrowers.

Assisting borrowers with gathering conditions required for closing.

LONG BEACH MORTGAGE COMPANY (DIVISION OF WASHINGTON MUTUAL) 2004 – 2006

Senior Loan Coordinator

Provided customer service, followed up on outstanding conditions, as defined, completed and printed order outs, contacted Broker to review approval, established and ensured closing timeframes are met, Calculated tolerances (Debt/Equity, mortgage rates for amendments and variances, etc.), documented and escalated change requests, if appropriate, Add, clear and waive stipulations, verify fees and pricing with originators, prepare files for closing activities, as well as:

Provided status updates to borrowers for loan process and ensuring all required documentation is in order.

Reviewed loan files.

Processed re-decisional loans.

Edited and translated Desk Top Underwriting stipulations.

FIRST SAVINGS BANK 2003 – 2004

Mortgage Processor/Underwriter

Responsible for processing residential mortgage loans, involved in all aspects of loan processing using an aptitude for mathematics and ability to analyze, compare, and interpret facts and figures quickly, ability to clearly communicate the results of analyses to clients and managers.

NATIONAL MARKETING SERVICES 1997– 2001

Programmer/Analyst

Participated in development and conversion of PowerBuilder software, which enabled clients to efficiently manage their inventory and interactive surveys on-line:

Responsible for designing and developing a PowerBuilder system used to predict and track company revenue:

Designed through implementation a Revenue Tracking System that provides possible projected and invoiced dollar amounts for each Retailer and Manufacturer within given service cycles. This System improves ability to automatically create various reports.

Designed Healthcare reports based on client’s request/needs; Accounts Payable and Payroll Systems used to maintain and verify payroll, General Ledger. Development was done in PowerBuilder 7.0; Microsoft SQL Server 7 was used as a back- end.

EDUCATION: Certificate of Completion of Administrative Assistant Course at PRO DATA, INC School.

KIEV POLYTECHNIC INSTITUTE (Major Accounting).

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