Customer Service Manager
Resume:
Joseph Mazzei Sr.
**************@*****.***
Financial Services Management Professional with over twenty years'
experience in Mortgage Operations, Front Line, Forensic, and Secondary
Market Underwriting, Regulatory Compliance, Quality Control, Asset
Management, Legal Oversight
Areas of Specialization: Operations, Start-Ups - Mortgage, Retail Credit
Card and Commercial Loan Servicing, Asset Management, Including Call
Center Operations - Re-Organizations, Change Management, Regulatory
Compliance (Federal, State and Predatory Lending), Underwriting, Quality
Control,, Branch Operations and Secondary Market Due Diligence Loss
Mitigation, Foreclosure and REO disposition, P&L Control and Third Party
Recovery Management
Maze I Enterprises LLC
President Owner
Mortgage Banking Consultant Jan. 2013-Present
Most recent projects: A) Compliance and Operations oversight mortgage loan
servicing organizations. Report findings to State regarding State and
Federal regulations compliance with consumer servicing agreement. Client is
confidential. B) project's principle objective is to analyze and respond to
claims of a breach of representations and warranties of the clients
residential mortgage contracts for all claims and counter claims against
the parties: private investors, bond insurers and others who sold
residential mortgages to a bank or investor where the parties believe there
has been a breach of the representations and warranties of their contracts.
C) Forensic underwriter and risk analyst, and provide expert witness
testimony in foreclosure rescue cases.
Solomon Edwards Group (Contract)
Business Analysts May 2012- Jan.2013
Performed foreclosure look back as mandated by the OCC consent order and
several major mortgage loan Servicers. Review and audit consisted of
compliance with State and Federal regulations and loan analysis to
determine if the Servicers actions resulted to harm to the borrowers.
Timeline, SCRA and other legal processes validation. Re-Underwriting of the
loan.
Adams Consulting (Contract)
Navigant Consulting
Business Analyst April 2012-May 2012
Forensic underwriting of mortgage loans involving litigation between lender
and investors. Parties confidential.
Aerotek Professionals (Contract)
Client Confidential.
Sr. Business Consultant Analyst QA Jan 2012- Feb. 2012
Perform quality assurance underwriting of HAMP loan modifications and other
loss mitigation programs offered to borrowers with economic hardship.
Assure that all Bank and Government guidelines have been satisfied and
documented.
Wells Fargo Home Mortgage
San Diego, Ca.
Mortgage Underwriter 4 Nov.2011-Nov 2011
Senior mortgage loan underwriter retail Conforming and Non Conforming loan
products. HARP loans. Credit signing authorization to $750,000.00. Assisted
in training and credit signing for underwriters with lower authorities
Aerotek Professionals (Contract)
@Bank of America Corp.
Sr. Business Consultant Analyst Aug. 2011- Nov. 2011
Perform quality assurance audit underwriting of HAMP loan modifications and
other loss mitigation programs offered to borrowers with economic hardship.
Assure that all Bank and Government guidelines have been satisfied and
documented.
SVS Group Inc. (Contract)
@ JP Morgan Chase Bank
(Correspondent Loan Division)
Quality Analyst Senior Underwriter June 2011- Aug. 2011
Quality assurance audit underwriter of wholesale and correspondent loans.
Review documentation and loan submissions and approve for funding. Examine
transactions to ensure accuracy and completeness and all Bank and Agency
guidelines have been followed.
Wells Fargo Home Mortgage
Minneapolis, MN Oct. 2010- May 2011
Senior Underwriter
Review, analyze, approve and underwriting large, unusual or complex
individual consumer requests and products within company and industry
guidelines. Functions include reviewing financial statements, credit
reports, and applicable ratios(i.e. Debt ratios, loan-to-value);
evaluating; examining transactions to ensure accuracy and completeness;
preparing formal reports for review; ensuring that documents are consistent
and uphold to company and industry guidelines; implementing fraud detection
techniques, performing compliance reviews; assisting with re-negotiations
of loans based on lending guidelines; contacting customers and partners to
gather information to make appropriate decisions, explain rationale behind
credit decision. Provide work direction and/or training .
Go2Mod.Com Sept. 2009-Aug. 2010
B2B and Consumer e-based Financial Servicing providing virtual Back-End
Loan Modification Processing services to Mortgage Brokers, Loan Officers,
Financial Institutions, Lawyers and Real Estate Brokers.
Bainesbridge Consulting (Contract)
Wells Fargo Home Mortgage
Senior Consultant Frontline Underwriter Feb.2009-July 2009
Mortgage frontline underwriting conforming and non conforming home
affordable refinance programs and other conventional wholesale loan
products.
Silicon Valley Council on Aging (Contract)
State of California
Employment Development
Staff Assistant Customer Service Sept. 2007-January 2008
Greet customers and provided them with information regarding available
State services, including Unemployment Insurance, job search resources, and
other community and social service organizations. Assisted and trained
customers basic computer skills and data entry to facilitate their
computerized job search and other program requirements.
American Mortgage Consultants (Contract) August 2006-
April 2007
Mortgage Consultant
Due Diligence underwriting for Secondary Market mortgage loans, quality
Control reviews, investigate possible fraud, review for Federal and State
regulatory Compliance. Audit for compliance with lenders underwriting
policies. Review lender broker and third party fees for high cost loan
testing as well as compliance with predatory lending rules.
Washington Mutual Bank NA
Wholesale Division Compliance Officer August 2005-June 2006
As Compliance officer I ensured compliance with all the requirements state
and federal mortgage laws and according to Company policy. I am responsible
for the evaluation of origination processes from a compliance standpoint to
ensure controls are in place. I implement all required action plans, new
policies and procedures as well as other initiatives that impact
compliance. Provide support to the origination, underwriting and operations
staff related to regulatory compliance questions and requirements. Provide
support to Management with timely meaningful information regarding level of
quality, trends and risks identified and provide recommendations for
improvement. Review policy and train staff to ensure a clear understanding.
Provide input to develop operational tools and aids to help avoid
compliance errors and violations. Monitors and reports on compliance
activities, ensuring integrity of work methodologies as they relate to the
execution of responsibilities and ensures compliance issues are identified,
documented and addressed by the appropriate party in a timely manor. Keeps
abreast of changes in state and federal banking regulations and laws.
Researched changes for impact on current operations and policies. Prepared
Loan Program disclosures and reviews loan documents in accordance with
applicable regulations
ComUnity Lending Inc.
Chief Compliance Officer March 2004-August 2005
Responsible for all Corporate Regulatory Compliance programs and policies.
Managed Regulatory Compliance Team, Licensing Team and Audit Team staff of
12 specialist. Reviewed federal and state legislation, and Predatory
Lending laws. Performed the necessary risk assessments and established
policy accordingly. Provided counseling and coaching the Licensing Team
specialist, responsible for securing all required Corporate/Branch federal
state and local licenses. This Team monitored and tracked individual loan
officer licensing and educational certifications where required by law.
Developed internal compliance training programs. Participated and made
recommendations document production systems and new technologies.
Participated in planning and development of new mortgage products Prime and
Non Prime. Participate in corporate due diligence reviews with private and
corporate investors to ensure maximum gain on sale to the secondary
markets.
Independent Mortgage Consultant*
July 2000- March 2004
Clayton Group Inc.*
Mortgage Data Management Co.*
Response Professionals Inc.*
Contemporary Services Inc.*
Select Personnel Dallas
Projects:
Wells Fargo Home Mortgage-loan origination, senior underwriting (front line
level IV) post closing audit, quality assurance, regulatory compliance.
Wholesale and retail loans.
Washington Mutual Home Mortgage- new loan set up auditing, quality control,
regulatory compliance auditing. loan servicing in default, bankruptcy loss
mitigation, foreclosure loan integration or portfolios acquired through
acquisitions of PNC, Bank United, Long Beach Mortgage and others.
Government, Conventional Prime, and Non Prime loans.
Ivy Mortgage, Household Mortgage and General Motors Mortgage Corp. and many
other National Lenders due diligence on performing and non performing
loans.
Mortgage loan counseling on defaulted mortgage loans for a national
mortgage loan service company. Respond to customer inquiries regarding late
payments, tax, insurance, escrow and other consumer inquiries. Initiate
calls to delinquent borrowers and negotiate repayment arrangements and work
with outside agencies to resolve bankruptcy/foreclosure matters. Recommend
adjustment
s and homeowner assistance plans to management for necessary approvals.
Assist in training staff.
THE MONEY STORE INC. First Union Bank
Now known as Home EQ Wachovia Bank Now Wells Fargo Bank
Vice President
Charge Off and Recovery Department September 1989-June
1999
Developed and implemented department policy and procedures for reviewing
potential loss accounts. Established guidelines and trained the staff on
the decision making process for the final disposition of delinquent loans.
Delinquent accounts were analyzed and either prepared for foreclosure,
litigation, or charged off based upon recommendation. Through research and
testing submitted the necessary proposals and received approval to
establish a formal Recovery Department; responsible for the management of
the collection of bad debt. Responsible for special projects as assigned by
the Director of Home Improvement Loan Servicing. Acted in concert with the
Compliance and members of the Office of Currency to resolve regulatory
issues and reviews of T.M.S. Reviewed and approved loan origination
documents to ensure compliance with Federal and State regulations. Start up
and established policy and procedures for of handling of "High Profile
Contractor Complaints". Responsibilities were to review research and
resolved contractor complaints with the potential of high loss, either by
litigation, adverse publicity, or both. Monitored Contractor's compliance
to FHA, and other state regulations regarding Home Improvement Loans.
Established systems necessary to monitor and report on complaints and
contractor irregularities. Completed California State's General
Contractor's licensing course.
Previous Positions Held at The Money Store
Vice President
National Asset Control Manager/Default Manager
Regional Loan Servicing Manager
Responsibilities included managing all problem loans including asset
integrity, bankruptcies, foreclosures, loss mitigation, REO management, and
disposition, P&L recovery.
Previous TM'S Positions Servicing Manager Southeast Region
Managed all servicing functions and branch operations for the Southeast
Region. Including underwriting, prime and sub prime loans.
Integrated regional service function for the national call center.
RHODES FURNITURE COMPANY
About Rhodes Furniture
NKA RTG Furniture April 1986-September 1989
Regional Credit Manager
Retail Credit Card Operation Private Label
(G.E.C.C.)
Responsibilities included the maintenance and review of credit department
operations for 8 retail furniture outlets. Control the extension of credit
and maintain delinquency control. Implement and audit office administration
and provide training to credit management personnel. Maintain liaison with
sales
management and provide assistance with credit promotion. Preparation of
operating budget for each credit department location. Design and implement
bonus plans for each location to provide maximum productivity and
motivation. Integrated regional operations into call center operations.
RESEARCH INSTITUTE OF AMERICA, INC. June 1983-April 1986
TOMPSON PUBLICATIONS
Director of Credit and Collections
Principle responsibilities were to create, implement and review company
policy in the areas of credit and collection. Determine applicability of
legislation to credit, collection, customer service, mail order and
personally secured sales to commercial and consumer customers. Control the
extension of credit to customers. Determine and implementation procedure
and course of action relative to customer complaints that might involve
litigation or high loss potential. Supervise in the preparation of
allowance for doubtful accounts. Maintain liaison with marketing and sales
force relative to credit, collection and customer service. Preparation of
operating budget in excess of 600M.Provided leadership and training for a
staff of 23.
EDUCATION
Marymount College NKA Fordham University
Tarrytown, NY In progress
Majors: Business Management and Education
Willing to relocate
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