Compliance Professional

Linda Ransome

***** ****** ***** *****, *******, FL 32832

(321) 246-

**** *********@*********.***

Summary of Qualifications - Salary Requirements: $50,000

Assumes responsibility, is self motivated, and posses a high degree of

professional integrity.

Dedicated in being a strong service oriented leader, with a demonstrated

positive track record in developing staff; implementing procedures with the

customer and the employee as the foundation. Good working knowledge of

Microsoft products, all standard office equipment, typing 40 wpm.

Professional Experience

PROFICIO MORTGAGE VENTURES - ORLANDO, FL 2/2012 to Present

Compliance Supervisor

Train staff members to monitor and audit employer's adherence, to any

application requirements promulgated by federal, state or local

governments, or investor.

. Provide oversight, training and direction of Compliance Specialist

I, Coordinators and Associates of regulatory and employer compliance

requirements.

. Handling of compliance related inquires from production staff and

branch compliance associates.

. Travel to branch locations to conduct audits and HUD certification;

. Coordinate with management and the on-site compliance specialists

and coordinators with the opening and closing of branches, with

respect to compliance.

. Supervise the coordination of Federal, state or investor

examinations as applicable.

. Supervise the coordination of post-closing quality control audits,

file reviews and management responses to third-party vendor.

. Report findings to management from discretionary audits for branch

compliance with REG B and RESPA.

. Supervise branch fundings of all broker loans closed within broker

loan policy guidelines.

. Participating in all employer sponsored training and attending

requisite company meetings.

. Understanding and complying with Employer's published policies and

procedures at all times.

. Manage quarterly HMDA scrub to ensure accuracy of annual submission

. Responsible for annual submission of company HMDA data through

Questsoft.

. Manage and track complaints from consumers, BBB, CFPB, FDIC, and

third parties through resolution.

. All other duties as defined by Employer, from time to time.

TAYLOR MORRISON HOME FUNDING - MAITLAND, FL 12/2010 to 2/2012

Compliance Specialist

Complete compliance reviews all loans in various stages to determine

regulatory or state law violations.

. Reviews all sections of the GFE to ensure proper disclosing

timeframes, proper change circumstances are met according to RESPA

and all applicable fees including YSP are disclosed.

. Review the Truth in Lending for APR increases above .125%, ensures

that MI and ARM rate adjustments are calculated properly.

DIGITAL RISK - MAITLAND, FL 12/2008 to 12/2010

Compliance Analyst/Verification Analyst

Compliance - Complete compliance reviews on loans to determine regulatory

or state law violations.

. Review of the Truth in Lending for APR and Finance Charge

calculation errors and undisclosed fees.

. Confirm broker and lender licensing; recalculate the HUD and balance

of the Truth in Lending for accuracy.

Processing - Provide forensic processing of loans in foreclosure for

lenders and investors.

. Re-verify income and assets by working with financial institutions

and employers to confirm validity of documents in loan files.

Wells fargo home mortgage - Lake Mary, FL 11/2005 to 11/2008

SUNTRUST MORTGAGE - Maitland, FL

Modification Specialist/Mortgage Coordinator

Perform a variety of administrative and processing functions, addressing

inquiries on credit reports, verifications of income, calculating income,

cash to close and loan to values.

. Successfully managed a 2.5 million dollar pipeline by tracking and

working with members of the sales team, appraisers and title

companies to close loan within a specified timeline.

. Analyzed DU or LP automated approval system to process loans.

Followed DU or LP in regards to income, assets, liabilities and

appraisal requirements. Followed LTV and DTI requirements based on

lender program offered to borrower.

Education/Training/Achievements

High School Education

Hillsborough Community College, (BSW in Social Work) 1993 - 1994

Webinar: RESPA and the CFPB, Maintain Confidentiality of the SAR.

Web Training: RESPA and the GFE, Fair Lending, FCRA, ECOA/REG B, HMDA,

UDAAP

Webinar: Fair Lending and HMDA Updates

Management 2: Situational Leadership (Management class)

Management 1: The Fundamentals (Management class)

Supervision 1: Communicating for Results/ Supervision 2: Beyond the Basics

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