Process Data

VICTORIA SUBERCASEAUX

**** ******** ****, #*** *** Angeles, CA 90066

202-***-**** *******@*****.***

PROFILE

Financial professional searching for a senior/management level position in the financial industry. Experience in

modeling/technical consulting, application development, financial analysis, data analytics, mortgage/securitization

industry, and capital markets research. Proficient in Excel, Access, VBA, SAS, and SQL. Passed Levels I and II of the

CFA program. Passed Level I of the CIA program.

RELEVANT EXPERIENCE

Freddie Mac, McLean, VA 9/12 – present

Audit Senior – Internal Audit

• Currently on rotation with the Single Family CFO division. Responsible for designing and developing loan loss

reserve reporting applications with SAS and Excel VBA. One such application is the Loan Loss Reserve Transition

Matrices which calculates a loan population’s future transition rates from one delinquency status to another and then

displays these rates based on pre-defined buckets.

• Conduct financial, capital markets, and operational audits for both the single family and multifamily divisions of the

agency. These audits have directly resulted in improved controls and operating efficiencies.

• Use SAS and SQL code to query databases and external files in order to validate data being used by multiple End

User Computers (EUCs) and business processes.

• Key member of the Single Family Loan Loss Reserve audit team in 2013. Audited all processes and applications

used for determining the loan loss reserve and quarterly loan loss provisions. Developed a new system for determining

whether an on top adjustment should be made to the loan loss reserve calculation.

Navigant Consulting, Washington, DC 10/11 – 9/12

Consultant (Various Clients)

• Validated in-scope loan population and segments for a major foreclosure audit. Tasks included reviewing logic of

SQL code used to obtain loan population and segments, reviewing tables/fields used in SQL code, and running

independent queries to reconcile reported population/segment numbers. Work was performed primarily on servicer’s

proprietary database via Transact SQL with additional analysis executed in Excel.

• Performed fair lending statistical analysis for various clients. Tasks include filtering and scrubbing client provided

data, performing statistical regressions and analysis via SAS, and drafting final reports that presented the analysis in a

comprehensive and intelligible manner.

• Developed comprehensive auditing test plans for a major loan servicing client. Auditing test plans covered all aspects

of the foreclosure process and were broken up by subject area regulations (ie HAMP, bankruptcy, SCRA) and state

regulations. The test plans were used to determine if improper foreclosures occurred or if foreclosure activity

resulted in financial harm to borrowers.

FI Consulting, Arlington, VA 2/09-10/11

Consultant (Various Clients)

• Developed a Microsoft Access EUC for Freddie Mac’s Multifamily Capital Markets Group. Application consists of a

central Microsoft Access repository with customized forms and reports through design view and VBA

code. The new application, through its reduction of manual data inputs, transfers and calculations, allows users to

complete the various tasks within the securitization process more efficiently and with less risk of user error.

• Developed and revised SAS models that estimate cash flows and credit subsidy rates for various TARP initiatives at

the U.S. Treasury Department, including the Capital Purchase Program (CPP) and the Automotive Industry

Financing Program (AIFP). The model calculations resulted in more accurate budgeting for the agency and were used

in public communications.

• Developed two End User Computers (EUCs) for Freddie Mac’s Multifamily Investment and Operations Group to

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Victoria Subercaseaux *******@*****.***

assist with month end accounting processes. Both Excel-based applications were developed entirely through VBA

code with SQL for querying data. The first application, the FAS 91 Fee Basis Adjustments EUC, imports user

specified Excel files and then calculates, on a monthly basis, the remaining FAS 91 fee amortization per loan. The

second application, the Mortgage Balances EUC, imports user specified files and queries a proprietary database to

reconcile mortgage account balances from the general ledger with their original source balances.

• Created complete process flows of the Multifamily Securitization Process at Freddie Mac using Business Process

Modeling Notation (BPMN) standards and Industry Print software. Process flows include the key accounting controls

that are reviewed by external auditors.

Ipreo, Bethesda, MD 04/07-02/09

Research Analyst (Global Priority Team)

• Outlined and documented investment strategies of hedge funds, mutual funds, pension funds, and banks

in Europe, North America, and South Africa. Assessed local and regional investment approaches in a changing global

marketplace. Team efforts led to a 100% increase in the asset management firm profiles available to our capital

markets and corporate investor relations clients.

• Communicated daily with senior finance executives regarding proprietary investment strategies in equity, fixed

income, and derivatives. Efforts resulted in increased depth and detail to already existing equity data sets, as well

as the creation of new data sets in fixed income, sovereign wealth funds, and proprietary trading desks.

• Spearheaded a Latin America expansion project with a small team of researchers. Efforts focused on profiling

Brazilian, Argentine, Chilean, and Mexican asset management companies and broker/dealers through

extensive research and direct communication with regional investment managers and security analysts. Efforts

resulted in the acquisition of Latin American clients, as well as additional product offerings to existing clients in

North America, Europe, and Asia.

• Researched and compiled a presentation on Pfandbrief in Europe and how these securities compare and

contrast to US asset-backed securities and mortgage-backed securities. Presented findings to the entire research

department, who then used findings to enhance firm data on structured bond managers.

EDUCATION

CFA Institute

Passed Level I and Level II exams

The George Washington University, Washington, DC

Elliott School of International Affairs

MA, International Affairs, Concentration in International Economics (GPA 3.8)

• Relevant coursework in: Corporate and International Finance, International Business Strategy, and Economics

Emory University, Atlanta, GA

BA, Philosophy (GPA 3.7)

PROFESSIONAL SKILLS

Technical Skills

Microsoft tools (Excel, Access, PowerPoint, FrontPage, VISIO), VBA, SAS, SQL Server, Industry Print, SharePoint

Server 2010, SharePoint Designer 2010

Training

VBA for Excel, Loan Amortization Modeling (Excel), SharePoint Designer 2010

Languages

Fluent : English, Spanish

Working Knowledge: Mandarin, French

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