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Yajahira Contreras

Bronx, NY 10458

Cell: (646)- 592-7648

Email: acebai@r.postjobfree.com

Driven individual that demonstrated ability to adapt to new industries and achieve their objectives. In addition to been

multitasked, am self –motivated with the ability to acquire skills quickly and successfully take on new challenges.

Maintained professional demeanor treating customers as well as my co-workers with friendliness, patience and respect.

Constantly received excellent feedback from management and peers for my work ethics.

SUMMARY Regulatory Compliance Time Management

Computer Skills Self starter

Customer Support/Focused Registration & Verification

Fluent in Spanish Appointment Scheduling

Data Entry Order/Track supplies

Mail Room support/ FedEx Recordkeeping practices

EXPERIENCE First Meridian Mortgage New York, NY- Nov 2012- Jan 2014

Compliance Officer

• Supports the Legal Counsel in the development, implementation, and maintenance of regulatory risk

framework that includes an internal control structure, training, monitoring and resolutions tracking and

reporting of issues.

• Responsible for researching, analyzing and monitoring conclusions related to mortgage lending compliance

laws and regulations including, but not limited to HMDA, ECOA, FCRA, RESPA, FHA, Predatory Lending,

FACT Act, SAFE Act, Truth-In-Lending, BSA, AML and Flood Disaster Protection Act. US Patriot Act

• Assuring that all legal disclosures are accurately in place and within compliance for all applicable loans

programs

• Offer guidance to the Residential Mortgage Banking Unit in all aspects related to compliance.

• Handle rejected or cancelled loans making sure proper documentation is in system of records.

• Contribute to production environment by performing audit reviews or completing quality control.

Bank of America Newark, NJ- May 2012- Nov 2012

Foreclosure Quality Assurance Analyst III, OCC Article VII

• Provide Quality Assurance Reviews for reviews foreclosed loans, evaluate whether or not they were

processed in accordance with HAMP, Proprietary Modification or other applicable program guidelines and

requirements.

• Responsible for, but not limited to, performing in-line quality assurance reviews of the work produced by the

Claims Reviewers I, II and III’s in the Foreclosure Review Organization.

• Review files in their entirety, and provide feedback to Independent Consultant, whether or not any errors,

misrepresentations or other deficiencies that may be identified in the review resulted in financial injury to the

borrower or the mortgagee.

• Perform additional responsibilities, including but not limited to contributing suggestions and development of

best practices, for final stage of the Foreclosure Review process performing special projects such and

Research and Development, assisting in the input of procedures and mentoring fellow QA researchers.

• Contribute to production environment by performing audit reviews or completing quality control.

JP Morgan Chase Brooklyn, NY Nov 2011 – May 2012

Foreclosure Quality Assurance Analyst III, OCC Article VII

• Provide Quality Assurance Reviews for reviews foreclosed loans, evaluate whether or not they were

processed in accordance with HAMP, Proprietary Modification or other applicable program guidelines and

requirements.

• Requires review of fully documented loan histories, imaged documents and information available from all

sources to collectively determine if it validates the information used to make the home retention / loss

mitigation decision.

• Complete Quality Reviews according to clearly defined requirements; All files will be subsequently reviewed

and decision by an independent consultant.

• Contribute to production environment by performing audit reviews or completing quality control.

JP Morgan Melbourne, FL Nov 2007-Sep 2011

Chase

Underwriter / Relationship Manager Specialist III

• Underwrite and apply needed conditions to mortgage applications, assuring that borrower met program/products

specifications.

• Calculate and evaluate all aspects of the loan beyond the scope of the automated tool, following lender’s guidelines to

determined approval or denial of applications.

• Maintain pipeline of Loan inventory and commutate daily reports to Management.

• Provide payment plans & other in-house product portfolio programs with the intent to facilitate delinquency resolutions.

• Meeting of monthly Quality productivity standards as defined by line of business with emphasis on steering customers towards

the avoidance of foreclosure proceedings.

• Conducted QA for HAMP and Bank Owned modifications, assuring that programs provided were accurately calculated and

processed before final approval.

• QA - Over sought underwriters work and communicated the decision while upholding fair lending practices.

• Interact with third parties organizations, brokers and real estate agents to facilitate documentation requirements and other legal

issues relating to borrower’s application.

EDUCATION Palm Bay High School Melbourne, FL

Eastern Florida State College Melbourne, FL

Associate Degree Liberal Arts

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