Vanessa Lee

***** ****** ****** *****. *******, Texas 77066

acw9qz@r.postjobfree.com 832-***-****

Analyst

Compliance Document Management Logistics

Proficient in monitoring and auditing banking compliance, in-depth knowledge of general banking compliance. Extensive knowledge about the anti-money laundering risks in the Bank. Ensure timely, efficient identification and monitoring of suspicious activities and transactions. Experience in residential and commercial underwriting, due diligence reviews. Ability to support multiple projects and prioritize in a timely manner. Extensive background in performing and non performing consumer compliance, residential, commercial risk based loan audits. Institutions were reviewed for REG Z, HMDA, FCRA, and RESPA trained in TRID guidelines.

Core Competencies

Risk Analysis

Arm Audits

Multifamily

Commercial Loan Analysis

RESPA

Jumbo Loans

Policies & Procedures

Regulatory Compliance

SCRA

FNMA

FCRA

REG-Z

Anti-Money Laundering

Risk Compliance Auditing

TRID

ECOA

HMDA

FHLMC

Professional Experience

Beal Bank Plano, Texas

Mortgage Underwriter, 11/2015 – 9/2016

Analyzed complex and diversified credit and property documentation included in HMDA loans to assess overall risk ensuring sound lending policies and procedures were performed. Performed HMDA ECOA & SAFE Act analysis. Identified the impact of lending decisions on the CRA and Fair Lending policies. Maintained a proficient knowledge of applicable compliance statues, regulations and interpretations to mortgage lending and banking practices (Reg. B, Reg. Z, HMDA, TILA-RESPA, CRA, Flood Disaster Protection Act, Federal Fair Lending, & SCRA. Reviewed and re-evaluated information on mortgage loan application and supporting documents to determine if borrowers capacity, capability, and credit meets lender/investor and government requirements. Underwriting conventional conforming & non-conforming residential, commercial, & multifamily loans.

Key Achievements:

Developed and maintained strong working relationships with cross-functional individuals.

Rapidly acquired expertise in new areas to provide strong logistics and analytical support.

Remediation to RESPA tolerance errors.

Communicated clearly effectively written and verbal with all team members and outside induvial.

Completed TRID training.

Stewart Services Houston, Texas

Compliance Underwriter 10/2015 – 1/2015

Conducted project audits ensuring compliance transaction activity is effectively monitored and that suspicious activity is appropriately investigated evaluated documented and addressed. Identify excessive risk, fraud, and misrepresentations as it relates to Customer Due Diligence and Enhanced Due Diligence. Reviewed and evaluated information on mortgage loan application and supporting documents to determine if borrowers capacity, capability, and credit meets lender/investor and government requirements. Gather and report the HMDA Data for the company. Communicate reporting expectation to corporate management.

Key Achievements:

Developed and maintained strong working relationships with cross-functional individuals.

Rapidly acquired expertise in new areas to provide strong logistics and analytical support.

Remediation to RESPA tolerance errors.

Communicated clearly effectively written and verbal with all team members and outside induvial.

Completed TRID training in respect to new guidelines.

Allon Hill Houston, TX

Remote Underwriter, 10/2013 – 12/2014

Analyzed complex and diversified credit and property documentation included in HMDA loans to assess overall risk ensuring sound lending policies and procedures were performed. Performed HMDA ECOA & SAFE Act analysis. Identified the impact of lending decisions on the CRA and Fair Lending policies. Maintained a proficient knowledge of applicable compliance statues, regulations and interpretations to mortgage lending and banking practices (Reg. B, Reg. Z, HMDA, TILA-RESPA, CRA, Flood Disaster Protection Act, Federal Fair Lending, & SCRA. Reviewed and re-evaluated information on mortgage loan application and supporting documents to determine if borrowers capacity, capability, and credit meets lender/investor and government requirements. Underwriting conventional conforming & non-conforming residential, commercial, & multifamily loans.

Key Achievements:

90% loans were closed and funded.

Developed and maintained strong working relationships with cross-functional individuals.

Rapidly acquired expertise in new areas to provide strong logistics and analytical support.

Investor guidelines maintained for all jumbo loan files.

Communicated clearly effectively written and verbal with all team members and outside induvial.

Completed all files in a timely manner.

Treliant Risk Advisors Richardson, Texas

Compliance Auditor, 12/2012 - 08/2013

Performed and reviewed analysis for 1-4 family loans. Reviewed financial statements of the organization and investigating errors, discrepancies, forged exaggerated information within the documents. Ensured the bank performs the financial transactions and maintains the required documents and records in the manner as required by the law. Research and analyze cases escalated from other teams to determine if activity is suspicious. Prepared and maintained weekly/monthly reports on forensic investigation of departmental and organizational accounts. Coordinated with all regulatory agencies on all escalated files.

Key Achievements:

Developed and maintained strong working relationships with cross-functional individuals.

Rapidly acquired expertise in new areas to provide strong logistics and analytical support.

Remediation to RESPA tolerance errors.

Communicated clearly, both written and verbally, with individuals in and outside of other Financial Institutions, etc.

Suggested correction action in response to identified deficiencies.

Compliance focused with relevant experience in management of suspicious activities and cash management reconciliation.

New Oak Capital Dallas, Texas

Compliance Analyst II, 11/2013 to 04/2013

Interacted with a third party Government Compliance team in a multicultural environment to process, track, scan all related accounts. Reviewed policy, procedures and programs with an emphasis on loan servicing, and financial compliance issue such as RESPA docs including GFE, HUD1, TIL and etc. Remediation of findings relating to RESPA tolerance errors including possible re-disclosure and calculation of any necessary reimbursements. Made recommendations for process improvements to prevent reoccurrences of compliance errors, and loan servicing. Monitored KYC, OFAC, and cross border wire transfers, and current activity. Knowledge of federal laws and regulation governing lending. Current with Dodd-Frank modifications as well as all industry regulatory changes.

Key Achievements:

Reviewed and analyzed alerts from automated AML monitoring systems (Actimize)

Independently researched internal and external source systems to determine whether activity appears usual and expected for specific customers’ accounts.

Compliance focused with relevant experience in management of suspicious activities and cash management reconciliation.

Reviewed HMDA, ECOA and Safe Act requirements.

Maintained strong working relationships with cross-functional induvial.

United Guaranty, PMI, Triad, MGIC, CMAC, Amerin Houston, Texas

Underwriting Compliance Analyst II, 04/2001 to 11/2005

Analyzed complex loan transactions for single and multifamily loans approved according to FNMA & FHLMC guidelines. Performed real estate and credit risk analysis and prepared loan summaries of all underwriting conclusions. Monitored compliance with consumer-based statutory requirements. Developed, organized and implemented internal underwriting procedure for loan programs. Performed audit review on new files conforming & non- conforming loans. Provide post and pre-audit for mortgage loans. Tracked and logged defects encountered during the testing phase of HMDA reviews. Conducted manual application & software testing mortgage loan products for Desktop Underwriter. Develop a custom desktop underwriter with FNMA specific to my Lender’s needs.

Key Achievements:

Reviewed HMDA, ECOA and Safe Act requirements.

Maintained strong working relationships with cross-functional individual.

Education and Credentials

Undergraduate Coursework

UNIVERSITY OF HOUSTON

Professional Development: Right of Way Agent, Real Estate Agent – Licensed for the State of Texas

Software: Word, Excel, Acrobat Professional, PowerPoint

*Notary Public: For the State of Texas Since 2010

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