Customer Service Management

****-*** ************ *****, *******, NC ***** • 919-***-**** (home) • 919-***-**** (mobile)

DEBORAH PUREFOY

OBJECTIVE

Experienced and detail-oriented finance professional with strong analytical skills. Currently

pursuing a doctoral degree in Financial Management. Seeking a career change with the goal of

obtaining a leadership position in finance or risk management.

CORE COMPETENCIES

• Risk Management

• Financial and Credit Analysis

• Fraud Analysis

• Cash Flow Analysis

• Auditing and Accounting

• Debt Restructuring

• Account and General Ledger Reconciliations

• Mortgage and Consumer Underwriting

EXPERIENCE

Wells Fargo, Raleigh, NC 2013 to 2014

Retail Loss Prevention Analyst (Fraud Analyst) (6/2013 – 6/2014)

Responsible for investigating fraud alerts and implementing action plans to mitigate fraud risks.

• Monitored daily alerts for in-process applications involving known or suspected fraud

participants and work with business line partners to prevent loan funding when

appropriate

• Determined appropriate actions needed to reduce future fraud risk on moderate to

complex fraud referrals and assign loan level risk ratings to ensure accurate investor

reporting and projected fraud reporting

• Responsible for identifying and analyzing potential fraud participants and determining

trends

• Conducted audits on tax transcript reviews

• Point of contact for underwriting staff on fraud risk issues, policies, and procedures

• Responsible for contributing to saving the company over $50 million in losses for the

2012-2013 fiscal year through the use of fraud detection techniques such as Loan Safe

and tax transcript audit reviews

RBC Bank, Raleigh, NC 2011 to 2013

Senior Risk Underwriter (3/2012 – 6/2013)

Rendered decisions on complex mortgage applications, subordinations, modifications, credit

cards, and unsecured lines of credit with a lending authority of up to $1 million on mortgage loan

applications and $75,000 on applications for credit cards and unsecured lines of credit.

• Assisted with internal, external, and compliance audits

• Assisted in the development of risk underwriting procedures and strategic plans for risk

management team

• Assisted in training new staff members

• Served as CEO for 1 day by submitting the winning essay

Mortgage Risk Analyst (2011 – 2012)

Conducted pre-funding, post-closing, and discretionary audits to determine if underwriting /

credit decision was supported.

• Performed forensic reviews to uncover potential fraud issues

• Assisted with advising on repurchases, make whole, and indemnification requests

• Identified deficiencies and performed trend analyses to recognize increased risk exposure

Wells Fargo Home Mortgage, Raleigh NC 2007 – 2011

Underwriter III

• Analyzed financial statements, credit, tax returns, income and appraisals

• Performed cash flow analysis and profit and loss analysis

• Developed business plans in accordance to company and investor guidelines

• Restructured loan terms to make payments more affordable for borrowers who were in

default or imminent default

• Underwrote complex mortgage loan requests such as: self-employed borrowers,

investment properties, manufactured homes, USDA loans, and jumbo loans

• Implemented fraud detection techniques to identify high risk loans and protect the

company from losses

Genworth Financial, Raleigh, NC 2003 – 2007

Loan Administrator (Lead Position) / Underwriter

• Managed workflow and served as point of contact for onsite underwriters

• Served as team lead of Central Imaging data entry team

• Trained team members on data entry and importing files into imaging system

• Underwrote loans according to investor and company guidelines utilizing automated

underwriting systems such as: DU, LP, DO, and CLUES

• Performed credit, financial, and income analyses

• Conducted post-closing audits

Wachovia Mortgage Corporation, Raleigh, NC 1998 – 2003

Accounting Assistant II (Lead Position)

• Processed invoices

• Researched and resolved billing disputes

• Reconciled accounts payable general ledger account

• Managed accounts payable data entry workflow

• Developed work procedures

• Assisted with training newly hired team members

• Assisted with staff hiring decisions

• Managed funds disbursements

College Foundation, Inc., Raleigh, NC 1991 – 1998

Accounting & Reporting Specialist (1996 – 1998)

Managed the loan adjustment process and funds disbursements.

• Reconciled bank accounts

• Performed compliance audits for due diligence

• Maintained accounting procedures

Loan Origination Specialist (1992 – 1996)

Rendered decisions on requests for educational loans.

• Conducted credit and financial analyses

• Assisted in administering NC Student Incentive Grant program administration

• Assisted in customer service and interim servicing

Repayment Correspondence Specialist (1991 – 1992)

Responded to borrower inquiries through written communication

• Provided letters of credit

• Reviewed credit ratings on educational loans

• Performed internal audits

Repayment Servicing Specialist (Feb. 1991 – May 1991)

• Reviewed payment histories of borrowers

• Calculated payoff balances on educational loans

• Performed due diligence servicing

• Assisted with collections

EDUCATION

Northcentral University

DBA in Financial Management (in progress)

Strayer University

MBA – Management concentration (received March 2008)

North Carolina State University

BA in Business Management – Accounting concentration and minor in French (received

May 1989)

SKILLS, HONORS, & ACTIVITIES

• Cambridge Who’s Who of Executives and Professionals

• Mortgage Bankers Association

• Walden University Doctoral Advisory Community

• Former Vice Chairperson of College Foundation Staff Committee

• Former Upper Class Advisor and Peer Mentor at NC State University

• Dean’s List

• Software & other systems: Microsoft Office Suite, Lotus Notes, Fidelity, Citrix, LPS,

LIS, instant messaging, Lexis Nexis, Real Quest, IBM SPSS, EDGAR, Experian,

Equifax

RESUME ADDENDUM

CONTINUING EDUCATION

Northcentral University – DBA Program – Financial Management (12/2013 – to Present)

Course: Doctoral Comprehensive Strategic Knowledge Studies - completed

• Covers core proficiencies in the following areas: Marketing, Business Finance,

Accounting, Management, Business Law, Economics, Business Ethics, International

Business, Information Systems, Quantitative Techniques & Statistics, Leadership, &

Business Applications

• Projects:

Compile and analyze key business information needed to prepare a company for

o

its initial public offering (IPO) through the development of a marketing plan

Develop a presentation analyzing financial and accounting processes

o

Analyze quantitative & data evaluation techniques & business statistics

o

Design a strategic plan for global expansion that covers the following

o

components: marketing, workforce & operational management, organizational

structure, international operations, financial & accounting management,

compliance & legal considerations, internal control & evaluation, information

technology, & leadership

Course: Statistics - completed

• Signature Project: Design a study incorporating statistical methodologies including

descriptive data analysis and statistical tests such as regression analysis, t-testing, cross-

tabulations, Chi-square, or One-Way ANOVA (analysis of variance)

Course: Ethics in Business - completed

• Examines the following areas: ethical approaches of those who influence business

decision making, critical analysis of conflicting objectives of business leaders influencing

business decisions, assessment of social, ethical, and public issues that require

consideration in internal and external stakeholder relationships, consequence of ethical

violations

• Final Project: Develop a presentation that interprets the implications of unethical

behavior of an organization (Lehman Brothers)

Course: Investment Portfolio Analysis – in progress

• Addresses the following concepts: efficiency of financial markets, valuation and

performance of investments, assessment of risk management techniques associated with

various types of financial markets, securities, and financial institutions, analysis of how

term structure, interest rate risk, and duration are associated with building a bond

portfolio, evaluation of risks associated with international diversification, comparison and

contrast of values and risks associated with common stock investments, justification of

the relative merits of the capital asset pricing model and the arbitrage pricing theory

Walden University – Doctoral Program – (2011 - 2013)

Research Projects Completed

• Portfolio Theory & Risk Management

• Product Crisis Management

• Change Management

Finance Topics Covered

• Capital Budgeting

• Working Capital Management

• Forecasting

• Financial Modeling

• Capital Structure

• Capital Asset Pricing Model

• Market Portfolio Efficiency

• Financial Statement Analysis

• Arbitrage & Financial Decision Making

• Capital Markets

Strayer University – MBA – completed March 2008

• Organizational Behavior

• Human Resource Management

• Advanced Managerial Accounting

• Business Policy

• Financial Management

• Information Systems

• Quantitative Methods (Statistics)

• Marketing Management

• Project Management

• Economics

• Directed Research Project (Master’s Thesis)

Independent Studies – ongoing

• Risk Management

• Financial Risk Management in Banking

• Credit Risk Modeling and Financial Modeling

• Fundamentals of Corporate Credit Analysis and Credit Risk Management

• Corporate Treasury

• Financial Planning and Analysis

• Sarbanes-Oxley

• Investment Banking

• Moody’s Analytics – Introduction to Basel Regulation & Credit Risk Modeling

• Generally Accepted Accounting Principles (GAAP)

• CFO (Chief Financial Officer) Handbook and Controller Guidebook

• Organizational Leadership

Contact this candidate