Miguel Zamudio

acz9wx@r.postjobfree.com / acz9wx@r.postjobfree.com

561-***-****

DE CHUMS CERTIFIED

http://jobs.gecareers.com/apply/Credit Risk Manager, Fraud, OFAC Activity, Assets Portfolios, Business Analyst Credit Risk Lending, Residential and Commercial, Factoring Accounts Receivables, Consumer & Student Loans, Origination, Underwriting, Processing fast paced paper less multilingual platform, Hotels & Casinos Electronic Payments Gaming industries, Due Diligence, Secondary Market, Loss Mitigation, 1st Stage Collection activity, REO, Foreclosure, Commercial & Residential Loans, C&I, Credit Cards, Short Sales, Deed in Lieu, Loan Workouts, Modifications, Forbearance, Loan Servicing, HAMP, HAFA, HARP, TARP, FAIR LENDING, TRID RESPA, TILA, CRA, ROBO- SIGNING, DODD FRANK, Section 165/ FED PRA Dodd Frank Volcker Rule Basel 3, FACTA, FDPA, FIRA, CFPB, NCUA, EEOC, FCRA, GLB/Gramm-Leach- Billey Act, RTFPA, HIPAA, FTC, ECOA, BANK PROTECTION ACT, FATF, CFT=CDD, UDAAP, CCAR. Anti-Money Laundering, USA Patriot suspicious activity to the BSA/AML officer. FIRREA, False Claims Act, Civil Money Penalty Provision. Fraud and Risk Management Anti-Fraud KYC FATCA Sanctions Anti-Corruption Corporate Banking Trade Finance and Lending Merchant Service OFAC. Handle sensitive and confidential information legal compliance to mortgage loan conduit service oversight. Monitor loan operation, claims, hazard insurance, flood insurance, certificate flood, subpoenas, 314 A & B to conduct analysis of AML monitoring system generated alerts, determine if the alert should be clear or if it requires further investigation, cross-border wire transfer and currency activity, tracking logs and various AML processes reputation risk matters to BUSA policies, FATCA, FRY14, FIC. Delinquency to FHA & PMI companies. BK Research legal counsel, FHA / PMI Claims, E Oscar Credit bureau reporting inquiries and disputes, Consumer compliance resolution, MERS OFAC screening. Call Center inbounds outbound multilingual outsourcing platform, Skip-Tracing & Collateral analysis. SMP, HAMP, HARP, HUD Claims, Customer retention/exit strategy waterfalls. Loans Default 120 +day assets portfolios. Claims fraud investigation. Consumer Fraud, Office of Foreign Assets Control (OFAC), Enterprise Risk Management (ERM) Financial Action Task Force (FATF)

PROFESSIONAL EXPERIENCE 2007 – PRESENT/ MANAGER OF OPERATIONS INTERNATIONAL FINANCE OCC CONSENT ORDER

Residential Servicing Team Credit Risk analyst Loan Administration on a daily processing of the real estate functions, Assets Portfolios set short and long term goals, Anti-Money Laundering, DODD FRANK, USA PATRIOT ACT Robo –Signing suspicious activity to the TRID BSA/AML officer, Forensic Audit depositions. HAMP, HAFA, TARP, HARP PROGRAMS. CTR form. FIRREA, False Claims Act, Civil Money Penalty Fraud and Risk Management Anti-Fraud KYC FATCA Sanctions Anti-Corruption Corporate Banking Trade Finance and Lending Merchant FDCPA TCPA FCRA. Reviewed and performed underwriting on FNMA Bulk tape files for accuracy to Master Policy Commitments issued by Triad Guaranty to determine material deficiencies for submission to legal. Identified deficiencies and transaction components on individual loan files and supporting documents for data integrity on Prime and Alt-A program files using guidelines and CDUs by FNMA, FHLMC. Identified potential fraud associated with loan applications and appraisals through the review of tax returns, profit and loss statements. Utilized AVMs, Retro-AVMs, BPOs, OPUS reviews and specialized fraud tracking/reporting resources for the requirements of the U.S. BSA/AML suspicious activity monitoring to identify customers which pose a risk for money laundering and terrorist financing. Assists in Suspicious Activity Reporting (SAR) and/or high risk customer investigations, including the preparation of SARs as required by BSA/AML regulatory standards. The AML Investigator compiles evidence and documentation in compliance with BSA/AML. Conduct initial reviews of new foreign correspondent banks (FCBs) and foreign non-bank financial institutions (FNBFIs). Investigate potentially suspicious activity escalated by the Alert Adjudication Unit, make risk-based SAR recommendation and prepare SARs. Developing and implementing an enterprise-wide risk management function including Loan Review, Internal Audit, Operational Risk, Regulatory Compliance, CRA, SOX, and BSA/AML/OFAC; Consults with the Board of Directors and Executive

Management in establishing a COSO-based risk management program consisting of effective controls, compliance policies, processes and methods necessary to assess the Bank’s overall and business unit risk; Conducts daily measurement of the Bank’s risk profiles through development and implementation of specific in-house risk adjusted performance measurement systems such as Probabilities of Default, Loss Given Default, Exposure at Default, and other Basel guidance as required; Provides independent and objective risk assessment reports and recommendations to the Board of Directors and Executive Management regarding operating and financial performance. Relevant risk management experience in the banking and finance sectors including lending, managing interest rate risk, liquidity, credit, regulatory and operational risk, and general financial management. Lead compliance programs for Consumer Loan Operations/Underwriting, Loan Marketing, Loan Servicing/Collections, Information and Finance for our consumer lending platform. This position is also responsible for the leadership and oversight of compliance and audits, under the general direction of the Audit Committee of the Board of Directors and (administratively), the CEO and President.

Ensures compliance with existing and new legislation, such as Dodd-Frank and CFPB; interprets and implements activities accordingly.

Provides leadership, guidance and oversight for critical compliance areas within the bank, including BSA, AML, OFAC, SAFE Act, Non-Deposit Investment, and Complaint and Whistleblower Policies.

Ensure compliance by maintaining expert, up-to-date knowledge of lending management advertising regulatory changes and amended laws in all aspects of consumer and business financial products and services

2012 – 2013 Bank of America Charlotte NC Team Lead Project Manager Loss Mitigation Retention Group. Assets Portfolios Credit Risk Forensic Audit Performed specialized tasks per OCC Consent Order to conduct a multi-faceted review of residential mortgage servicing and foreclosure actions to determine and report findings deficiencies resulting. In financial injury to borrowers or mortgagees. Anti-Money Laundering, USA Patriot suspicious activity to the BSA/AML TRID, Consumer loans portfolio

2011 – 2012 Aurora Bank / Protiviti Denver CO Team Lead Project Manager Reviewed errors and omissions in response to OCC Consent Order. Processed customer modification/Foreclosure complaint claims per customer in take form. Investigated all issues addressed by the customer depositions. Executed waterfall process per HAMP protocol, Direct contact with borrowers, attorneys, third party agencies to obtain a workout, short sales, repayment plans, forbearances HAS, DIL Denial review and approve foreclosure expenses, reimbursement and exceptions, bidding instructions, Sales postponements, reclassification’s for loans that are in MBS pools interface & interact with vendors

2005- 2007 Countrywide Home Loans Manager MMD Underwriting/Loss Mitigation, Non-GSE, and Default FHLMC & FNMA. Underwrote residential loans to qualify homeowners for MHA, PRA, and CMP programs. Validated income, assets and collateral documents including self-employed tax returns, CRA analysis. Analyzed loan history, assets, and customer contact to determine whether referral for foreclosure was appropriate. Negotiated and executed short sales and deeds in lieu of foreclosure.

2004 – 2005 Freemont Lending Manager Level V Front line underwriting 3 channels National program for conforming and non-conforming jumbo loan product

2003- 2004 Clayton Group and Bristol Financial Corp Team Lead QC. Clients included: Accredited, Washington Mutual, GMAC Mortgage, Goldman Sacks, Citi Financial, Household, Morgan Stanley, Decision – 1, Fremont, Lehman Brothers, Barclay Bank, Bertram, Countrywide

1985– 2003 Consorcio San Miguel Lending Director of Operations; LAS VEGAS NV & GENEVE SUISSE SBA, COMMERCIAL ORIGINATION, C&I Secondary Market, Jumbo Loans, signing authority $3M (RESTAURANTS & GAS STATIONS) COMMODITIES ENERGY, AIRCRAFT MARINE EQUIPMENT

1983 – 1985 Republic Bank Manager- Underwriting

1980 – 1983 University Savings Manager – Underwriting

1978 – 1980 Finasa S.A. de C.V Manager Origination and Processing

1975 – 1978Union de Credito Del Sur Commercial Origination and Processing Manager

1970 – 1975Banco Azteca, S.A. Manager

EDUCATION – College L'Ecole View- Bois – 1971 Geneva Suisse / Universidad Nacional Autonoma De Mexico 1975 Business Master’s Degree, International Law and Finance – 1979 Multilingual Spanish – French – English - Willing to Travel and Relocate

TECHNICAL SKILLS AND MISCELLANEOUS: MS Access, Point, AS400/ISeries, MS Excel, MS Power Point, MS project, Adobe Illustration, Microsoft Word, CIP/LEXIS NEXIS FACTIVA WORLD SEARCH Financial Markets, Microsoft Outlook, Radar, LP/DU, LOS. Pro. Loan Tracker, Web Direct, LPS/EPS, LIS, Fidelity, Core logic Fraud Guard Data Verify/Real Quest, Mortgage Ware, Sales Force, Darts, Links/DRI FHA Connection, Pro Lender, Unify, Nautilus, Ringtail, Doc Magic, Loan Works, Loan Soft, Urban, Stuart, Triple point CXL Power Trading Commodity XL ETRM Energy Commodities Gas and Oil, Factoring Accounts receivables high volume International cross Border Risk develop new program measurements credit exposure with consumers, manufacturing and lending institutions