ALBERT RIOS

ac8apf@r.postjobfree.com

757-***-****

Accomplished, results-driven, Project Manager with over 20+ years of Finncial Industry experience in Project Management, Consumer Regulatory Oversight and Directives, Compliance, Risk, IT, and Business User interface. I have proven ability to identify Borrower experiences and capture market opportunities to accelerate expansion, regulatory adherence, increase revenues, and improve profit contributions in a variety of distribution channels. I have managed a portfolio of Borrower/Consumer escalation and experience projects with excellent results adhering to budget, business requirements and deliverable dates. Additionally, I have excellent interpersonal skills and abilities to communicate and collaborate effectively with co-workers at all levels.

AREAS OF EXPERTISE

Project Management, Policy Execution, Consumer Compliance Oversight (AML, CCPA, BSA, HMDA, GDPR), Risk Management, Regulatory Policy Execution, Strategic planning, Default Servicing, Financial Analysis and Planning

EXPERIENCE AND ACCOMPLISHMENTS

USAA Bank, San Antonio, TX (6/1/2018 - Current)

Senior Project Manager, SME Consultant for HELOC servicer

Assessed and recommended remediation gaps within the HELOC portfolio

Assessed IT application / User requirements for remmediation

Assessed adherence to regulatory guideline along with remediation recommendations

Assessed Compliance within Divison on consumer privacy (AML, SCRA, HMDA, UDAAP, GDPR) along with remediation recommendations

Recommend strategy for existing HELOC product

Fannie Mae- Servicing Guide (Project Simplify) McLean, VA, (04/18 - 05/18)

Senior Project Manager, SME Consultant for Risk assessing conflicting Servicing Guide policy to CFPB

Assessed and recommened with borrower benefit a “White Paper” Policy regarding initial inspections for property preservation

Assessed conflicting Servicing Guide policy to CFPB

Seeked policy simplification FBO within servicing guide with increase risk appetite

Simmons First National Bank, Pine Bluff, AR; (07/17 - 04/18)

Director of Loan Operations, Consumer Loan Servicing portfolio, specializing in:

Auto Loan, Real Estate Loans, Consumer Default Servicing, Consumer Loan Call Center.

Developed Staffing model and gearing ratio to support and justify added staffing for increased volumes through merger and acquisition of acquired Banks within operating departments.

Consolidated four acquiring banks reducing staffing by 34% while operating 7% under budget.

Consolidated 13 HELOC programs into 4 products to facilitate standardizations and program consistency with IT and Business owners.

In an Agile environment, created “User Stories” based on the requirements from Loan Ops and acquiring banks.

Created Enterprise approved branding model for process maps and document procedures

Administered Compliance within the Loan Ops Divison on AML, SCRA, HMDA, UDAAP, Reg O, General Data Protection Regulation

Established consumer loan call center for non-relationship borrowers to handle servicing to include renewals, change in term transactions and payoffs on HELOC and HEL.

State Regulator (DFS-NY) (4/15-06/17)

Senior Project Manager Consultant via Consent Decree

Appointed Operational Monitor for(Ocwen) on NMS, DOJ, CFPB deficient findings, including:

oThe installation of its Loan Default platform (Back-in-the-Black)

oThe implementation of the HAMP consumer decommissioning project.

oDetailed testing of the Company’s escrow function, focusing on issues with the greatest potential to affect the borrower experience adversely:

Escrow Analysis

Insurance

Taxes

Loss Drafts

Flood / Wind

Cashiering

Consult in developing remediation plans that meet government expectations and criteria for SPOC for consumer benefit

Assess Compliance on Consumer Privacy, AML, BSA, Reg O, HMDA, SCRA

Assessed PMO disciplines and methodologies within a hybrid environment with emphasis on IT and audit of enhanced policies and controls for Default Servicing

Provide 3rd party assessment of remediation to regulators on Default Servicing Customer Experience

Assess Correspondence Operations on new initiatives to enhance the borrower experience, including:

oexpanding the website to share more information

oreviewing scripts with the Call Center to ensure borrowers are given accurate information and issues are escalated

orewriting remaining letters in a customer-centric format

oexpanding the data glossary to the enterprise

Bank of America - Dallas, TX (2011-2015)

Group Sr Project Manager, Policy Execution, Default Service Customer Relations

PMO developed and managed Level 2 AG support through Client Coverage Model managing 65+ associates (senior managers, line managers, process engineers and underwriters) covering Banks’ investors/audited portfolios from a Risk & Control Framework perspective

Delivered the Loss Mit Exceptions Handling project on time and within the agreed acceptance criteria in a hybrid methodology environment as they attempted to transition to an Agile Methodology.

Validated User Stories based on the requirements gathered from all the stake holders.

Coordinated with systems partners to finalize designs and formalize requirements Utilized Story.

Designed and implemented Underwriting, SPOC, and Attorney General Escalation centers to support customer-facing initiatives on 47,000 tickets with 24-hour SLA. Initiative impacting approximately 2,800 underwriters and customer support staff: monthly avg. 1,743 tickets

Responsible for policy reviews of program procedures, job aids, customer letters, marketing materials in adherence to Bank policy, OCC, CFPB, DOJ, Treasury Directives, GSE Servicing Announcements, HUD Mortgagee Letters, Regulations, 2013 Reviews: 3,979 Policy Documents

Oversee policy and compliance control implementation of division-wide mandate by Federal Gov’t, private label securities and secondary market investors, HMDA, BSA, AML

Partner with Business Controls Executive, Loan Mod Executives, Office of the President Escalations, HR, Program Management SVPs, Change Management, TSY Stakeholder SVPs across enterprise to standardize make-up and responsibilities of all enablement functions

Manage engagement with external investor and regulatory entities providing responses, production metrics and implementation plans for effective program deployments

Launched single system of record to manage, track, and report on change within mortgage servicing, ensuring executive leaders have visibility to resource usage, realistic project timeliness, technology requirements and underwriting sign-off authority

Responsible for enterprise forensic analysis on Bank policy/strategic lean and coordination with controls group for implementation

Fannie Mae/ Compugain - Dallas, TX (2009-2011)

Consultant, PMO / Senior Business Analysts - MHA Servicer Integration

Lead SME for the Net Present Value-Mortgage consumer Waterfall model

Business analysts in Operations, Data Analytics, Investor Reporting groups within MHA framework

Engagement Manager to two Banks (U.S. Bank and JPMC) in the US Treasury’s Consumer Foreclosure Prevention Program; Advising executives of risks, establishing program benchmarks, facilitating regulatory discussions and interpreting policy mandates

Conducted frequent on-site reviews with client executives managing program readiness, risk assessments, portfolio gap analysis, policy adherence, underwriting standards, data mapping, vendor management and effective consumer engagement modeling

Presented material findings to U.S. Treasury’s Home Preservation Office, FHFA, and MHA-Compliance

Partnered with institution’s executive communications team to resolve borrower escalations

In conjunction with senior management, developed project plans and executed project deliverables, articulating goals, allocating resources, and managing workflow

Security First Funding Corporation, Williamsburg, Virginia; (1989-2009)

Operating Officer

Managed sales and operational oversight to 5 office locations with a staff of 60. Originating FNMA/FHLMC, VA, FHA (T1’s) with an eye towards audit, financial, and consumer compliance, resulting in over 18 years of financial reporting with stellar Commonwealth over site with NO fines or supervisory probation.

Risk Management and Loss mitigation specialty with subcontracting:

oloan portfolio management

oforensic underwriting and scoring

oloan recovery and workout

onon-performing assets

Bank of America - San Francisco, California (1985-1989)

Director of Operations Bank of America Real Estate Group

Implemented and managed operational oversight to 54 external units staff of 300+ new hires within the External Loan Production of Bank of America; Realtor Sales, Wholesale, and Builder Sales

Audit and compliance; established, monitored, and performed audit testing criteria for the 54 units

Personnel; established centralized hiring, along with monitoring performance objective for 28 different employee positions, start-up budgets, variance monitor and reporting with division consolidation.

Underwriting; subject matter experts, providing uniform interpretation to the banks consumer UW criteria and guidelines

Training; new hire orientation to bank consumer regulatory requirements, job objectives and requirements

EDUCATION

CALIFORNIA STATE UNIVERSITY AT LOS ANGELES - Los Angeles, California

Bachelor of Science in Finance

Advanced Management Systems, Production Dynamics, First Class Certificate

Presbyterian Church (U.S.A.) Christian Educator Instructor

2018 Simmons Bank Certified on BSA, AML, HMDA, CPA, UDAAP

California State Polytechnic University, Pomona, California; Instructor

oHuman Resources

oStrategic Management

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