Management Customer Service

Cynthia Woolbright

** ******* ****** **, **********, DC 20032 ( C: 240-***-****(

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

Financial Report Risk Analysis Compliance Review

Analyzing Financial Regulations Mortgage Market Knowledge

Data Integrity Evaluation Skills

Business Analyst Data Analysis

Professional Profile

Results-oriented, analytical minded professional with over twelve years of

demonstrated expertise in providing complex documentation for risk analysis

within the banking and finance industry. Highly skilled in establishing

effective business dynamics and operations by understanding consumer

compliance issues. Displays competencies related to interpreting,

analyzing, and assessing complex financial and operational data and

processes, policies and procedures and communicating the results; applying

knowledge of risk analytics, risk management, risk metrics applicable to

the examination program areas, and examining, auditing, or analyzing

financial data in a financial services institution or regulatory agency.

. Displays a balance of technical proficiency, leadership, initiative,

and the ability to interface effectively with all levels of management,

personnel, and clientele

. Strong knowledge of mortgage finance, real estate, foreclosure,

bankruptcy, and investor reporting

. Creates and facilitates supervisory methodologies for regulated

entities being examined

. Demonstrated analytical and problem solving skills with strong

organizational and analytical approaches

. Assess risk and prepare Risk Profile of the entity and affiliates

. Examine the entity's audit procedures, including resource materials

. Advises management of opportunities to improve operations or risk

management practices, and communicate

observations/recommendations/remediation actions for weaknesses and

problems

. Prepares extensive reports of examination and evaluates findings and

formulate conclusions about the degree of compliance with statutory and

regulatory requirements and the management of risk

. Management level decision-maker accountable for goal setting and team

leading

Professional Experience

1/2013 to 7/2014 Freddie Mac, McLean, VA - Servicing Remedy

Compliance Analyst (Contract)

. Assisted clients with addressing enterprise wide compliance,

including: compliance risk management programs, third party

compliance reviews, privacy/customer information security,

fair lending, Community Reinvestment Act (CRA), Home

Mortgage Disclosure Act (HMDA), and Unfair Deceptive Acts

and Practices (UDAP), ECOA, RESPA, TILA (Reg Z), Dodd-Frank,

and Flood (Reg H)

. Helped ensure the development and implementation of new

compliance protocols as new regulations emerge and laws

change

. Assisted with the design, preparation, and analysis of

reports and findings and present them in a clear, logical,

and concise manner

. Identified and communicated technical matters to both

clients and upper management

. Managed mortgage repurchase demands from various servicers

. Performed forensic loan review of origination underwritten

files to determine servicing errors and compliance

violations

. Performed forensic review of the underwriting of files to

assess the merits of the affected loan to determine

conformity with origination requirements and sales contracts

. Reviewed contract matrixes, sales contracts, and mortgage

insurance contracts to determine if the demand reason, mi

denial, or mi rescission applies to the specific loan and

that the required supporting evidence is present

. Handled the appeal decisions made after quality control

testing, fraud investigations and servicing deficiencies are

found

. Assigned appropriate remedies for the referrals and perform

remedy calculations for violations on reo inventory

Treliant Risk Advisors Cont'd...

4/2012 to 12/2013 Treliant Risk Advisors, Washington, DC - Subject

matter expert/Compliance Auditor (Contract)

. Performed mortgage file reviews through auditing, validating

and verifying various data points

. Performed internal audits of origination documentation and

tested full compliance with respect to current Truth in

Lending (Reg Z) and RESPA documents to include the Good

Faith Estimate and HUD-1 closing documents

. Followed prescribed guidelines for rating/coding of the data

point findings (e.g. present/missing, critical/noncritical,

or standard values for coding the findings) and provided

feedback to the attorneys that monitored the legal

guidelines to ensure compliance standards where adhered

. Performed the initial testing for the project in which risk

was assessed to consumers by review of financial products

that enabled the firm to be awarded the winning bid for the

contract

. Made judgments about the quality of bank processes and

procedures

. Performed Back End Defensive Due Diligence by preparing

allegation rebuttals

1/2012 to 3/2012 PNC Bank, Miamisburg, OH - Auditor, Compliance Examiner

(Contract)

. Evaluated foreclosed loans during the file Review/Claim

Review process period to be compliant with the Office of the

Comptroller of the Currency

. Documented files in accordance with the requirements of

HAMP, proprietary modification or other program requirements

prior to making the final foreclosure determination

. Ensured all required processes and procedures were followed;

system of record noted, documentation imaged and appropriate

borrower communication (verbal and written) was performed in

accordance to SD Directives/Internal Operating Procedures

. Reviewed files in their entirety for errors,

misrepresentations, or other deficiencies that could be

identified in the Foreclosure review resulting in financial

injury to the borrower or the mortgagee

. Reviewed foreclosed loans, evaluated whether or not they

were processed in accordance with HAMP, Proprietary

Modification or other applicable program guidelines and

requirements

. Completed Claim Reviews and performed Harm Evaluation

according to Promontory/OCC definitions

. Performed internal audit of mortgage origination

documentation

. Reviewed and compiled fully documented loan histories,

imaged documents and information available from all sources

and determined the validity of the foreclosure decision

7/2011 to 12/2011 Verdi Consulting, Vienna VA - Compliance Examiner

(Contract)

. Evaluated financial institutions' activities to

assess/monitor compliance with policies and procedures that

are applicable with federal regulations

. Generated reports, which identified and addressed areas of

significant risk and evaluated overall effectiveness of the

servicer's loss mitigation efforts and extended to

homeowners

. Evaluated credit administration practices to include term,

structure and work out strategies

. Conducted and analyzed servicer file reviews in conjunction

with the FHA Neighborhood Watch reports to identify

compliance violations

. Reviewed and compiled fully documented loan histories and

information to determine if it validates the information

used to make the foreclosure decision

10/2010 to 6/2011 Freddie Mac, McLean, VA - Default Specialist

(Contract)

. Oversaw and implemented loss mitigation policies to reduce

potential loan losses and foreclosures.

. Provided support to the NACA team by reviewing and

responding to external requests

. Generated and analyzed data, reviewed the compliance of

legal lending guidelines to ensure proper documentation on

files

. Educated homeowners and industry about workout options and

to act as liaison between borrowers and servicers to provide

mediation to avoid financial distress

. Reviewed structured loans when counter parties did not meet

original conditions of the loan and asset recovery by

analyzing, generating and tracking reports

. Responded to controversial inquires and communications from

homeowners about financial products and services that may

have led to a congressional inquiry

4/2010 to 9/2010 Fannie Mae, Washington, DC - Business Analyst (Contract)

. Worked in a Level II contact center responding to escalated

inquiries that affect Fannie Mae business such as loss

mitigation, foreclosure, underwriting, and servicing

inquiries

. Conducted reviews of highly complex consumer complaints and

made decisions on these matters and advised senior

management on findings

. Researched and resolved inquiries from homeowners,

homebuyers, lenders, mortgage brokers, real estate agents,

and housing counselors that were complex and of a sensitive

nature to find the appropriate referral and solution

. Worked with the Servicing Solution and Loan Resolution teams

to handle and resolve requests for mortgage default

prevention and assistance

. Worked with the National Property Disposition Center

personnel to handle inquiries about REO properties

2006 to 2010 Mortgage Solutions, Washington, DC - Area Sales Manager

. Represented the organization as the principal customer

contact on accounts; performed in a project leadership role

providing outreach to lenders to communicate programs being

offered and ensure customer satisfaction

. Participated in event presentations at open houses and

seminars within the Mid-Atlantic region

. Monitored problem loans and markets, mitigate risk, and

provided workout /dispositions analysis for investor

compliance

. Provided follow-up to include generating reports,

maintaining logs and making recommendations, as well as

excellent mediation and customer service

. Established and maintained strong and trustworthy

relationships with servicers to reduce their credit losses

2003 to 2005 Apex Financial Group, Upper Marlboro, MD - Compliance

Manager

. Managed daily operations of a local mortgage branch by

originating and structuring financing for residential and

commercial loans

. Ensured that all RESPA documentation was compliant and met

Federal guidelines

. Trained new employees and reviewed files for compliance

. Coordinated marketing programs, and provided business

development and new product initiatives

. Provided support to loan officers that included the

processing of mortgage loans, verifying documents and

developing resolution to problems by following specific

procedures

. Met with financial institution representatives to evaluate

the effectiveness of the business operations to identify and

address areas of risk

. Created and maintained working relationships and direct

contact with over 75 brokers and loan originators in various

states by selling investor product lines; prepared and

delivered briefings to Regional Management on monthly status

reports

. Delivered quality products for use by financial

institutions, both orally and in writing

ADDITIONAL WORK INFORMATION

02/2002 - 10/2003 Credit Analyst / Compliance Reviewer - Wells Fargo Home

Mortgage - Burtonsville, MD

11/1998 - 01/2002 Mortgage Loan Consultant - Nations Mortgage, College

Park, MD

Education

University of Maryland/University College

Candidate for Masters of Science, Business and Management

Bachelor of Science, Technology and Management, 1989

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