To achieve a job position that will permit me to make use of my strong executive skills, educational background, and aptitude to effort well with a company.
Credit Card Investigator- Capital One-(05/2018-04/2019)
Review system generated alerts to assess the presence of fraudulent activity that may require reporting based on Bank Secrecy Act (BSA)/AML requirements, conduct research using financial systems, and document detailed results in written format.
Write and file suspicious activity reports for fraud findings and address other applicable AML processes in accordance with regulations and time limitations.
Escalate issues as appropriate for advanced investigation and analysis.
Build and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g., financial, legal, reputation, etc.)
Validate the quality of draft Suspicious Activity Reports via FinCEN Software for various business units (AML Operations, Auto Lending, Savings, Information Security)
Contract Recovery – Mr. Cooper – (09/2017-04/2018)
Working in the housing industry as a post claims project department, where I seek to recover losses from the claims process. We determine internal error and prior servicer errors to see where the group can recover the losses for the company. The duty of this department is to seek reimbursement from parties in the post claims process i.e. Investors and servicers or cost centers for internal divisions.
Credit Analyst – Rose International Acgency-03/2014-10/2016
Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
Preparing reports about the degree of risk in lending money to clients
Conferring with credit associations and references to exchange credit information on clients
Evaluating the financial status of clients by producing financial ratios through computer programs
Filling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval
Helping supply chain and sales and marketing departments in managing financial orders to help them control credit exposure, make payments on time, and reduce the risk of customer disputes
Bank OF America Experiences:
Compliance, Processing & Monitoring 08/2012-02/2014
Performing the due diligence on new Clients, requesting the KYC information, documentation, review and verification of received documentation and making an analytical risk assessment for new Clients.
Thoroughly and succinctly document the research and analysis related to the financial activity and related entities of Clients, for an audience that includes Management, Regulators, Internal Audit, Senior Managers and Internal Compliance.
Periodically evaluate existing Clients according to established policies and procedures.
Periodical review of KYC records as to completeness, including verifying that due diligence has been performed and that CBC (due diligence) standards are complied with; also that the files and risk assessments are current and up to date.
Process entries to open/close clients’ account on our KYC / Related Parties and CDD database, and instruct Client Desk to open/close the accounts on account level in Equation where applicable
Investigating high risk clients and reporting where necessary, including Politically Exposed Persons, and obtaining all necessary documentation to complete the client file.
Real Estate Capture Analyst -05/2011-08/2012
Prepare and review documentation in accordance with Bank policies and procedures, to facilitate closings with the client and to ensure lien perfection.
Works on highly complex documentation.
Assists document and loan administrators with their primary responsibilities and assists Market Leader in directing workflow and performing QA.
Interfaces with company vendors, legal counsel, line partners and clients to ensure world class documentation accuracy.
Completes primary financial booking and initial loan funding. Maintains primary responsibility for accuracy of documentation and SOR financial data timely delivery of documents, and elimination of controllable rework.
Business Control Bankruptcy Specialist-04/2009/12/2010
Perform testing based on the Risk Control Matrix and identify control gaps /improvement opportunities.
Perform Root Cause Analysis for identified control weaknesses.
Prepare exceptions reporting with prioritized improvement recommendations.
Conduct SOX and HRS policies/ procedures controls testing and defect identification.
Train HRS employees on Integrity & Compliance, and Controls Awareness, including completion of Business Controls Assessment form and Risk Assessment matrix for HR Services processes.
Support Business Controls Lead on internal/external audit coordination.
AVP, Document Execution -05/2006-03/2009
Manage a pipeline of Foreclosure, Bankruptcy, and Loss Mitigation related documents.
Prepare, Notarize, and/or execute documents as part of the default cycle.
Complete quality review forms in conjunction with daily actions.
Document system of record with tracking information and log codes.
Upload records to imaging system.
AVP Signing Authority to process foreclosure affidavits.
Loan Processor -09/2002-01/2006
Review initial loan approval and work with borrower to gather appropriate documentation.
Collect all required documentation for the loan package.
Create a loan submission package for the Underwriting department.
Submit files to assigned Underwriter.
Satisfy all conditions when received from Underwriter.
Ensure that approval falls within the established lending guidelines.
Communicate with other professionals, including attorneys, county clerks and title companies.
Wossman High School Diploma
Texas All Lines Adjuster Online Pre-Licensing Certification (License #2193038)
References available upon request