Dana Rucker

McKinney, TX

469-***-****

ad118t@r.postjobfree.com

LinkedIn.com/in/Dana-Rucker

Home Loans Servicing Quality Assurance and Risk Advisor Objective:

Results-driven professional with over 20 years of mortgage servicing experience, specializing in regulatory compliance, risk management, and program audit and seeking a challenging position as a Home Loan Servicing -Quality Assurance and Risk Advisor, leveraging expertise in process improvement, training and coaching, and ensuring regulatory compliance. Skills Summary:

- Quality Assurance - Research and Analysis - Corrective Action Review - Training and Coaching - Process Improvement- Regulatory Compliance- CFPB Audit - Conversion Testing

-Complaints- KYC (Know Your Customer)- AML (Anti-Money Laundering)- Cyber Security

(Training)- SLQ2CQ Method- Project Management, SAR- Suspicious Activity Report, OFAC- Office of Foreign Assets Controls.

Professional Experience:

USAA, Remote

Real Estate Oversight Governance Advisor - Escrow

2020 - 2022

- Oversee and monitor USAA's Servicing Oversight Program and overall performance, ensuring compliance with government regulations.

- Develop and update sub-servicing escrow testing procedures according to Agency, State, and Federal requirements.

- Coordinate with cross-functional teams to ensure compliance with CFPB and implement corrective actions.

- Collaborate with Compliance/Legal, Process Excellence, Operations, and other stakeholders to maintain regulatory compliance.

- Manage relationships with third-party tax service providers to ensure timely and compliant escrow functions.

- Support the compliance program in the mortgage lending environment through innovative thinking and collaborative decision-making.

- Perform testing and monitoring of the loan origination system to ensure compliance with policies, procedures, and regulations.

- Identify and assess the impact of new or changed regulatory requirements and collaborate with IT for necessary changes.

- Gather and document business requirements, formulate use cases, and track project progress.

- Conduct data analysis and reporting to increase department efficiencies.

- Make recommendations for process improvements and streamline reporting.

- Assist with remediation and corrective actions resulting from regulatory findings. Fay Servicing, Farmers Branch, TX

Escrow Tax Servicing

2019 - 2020

- Managed escrow tax mortgage inbox, daily tasks, REO loans, and tax correspondence.

- Ensured accurate tax disbursements on escrow and non-escrow loans through the tax vendor.

- Communicated and responded to tax inquiries from internal departments and tax vendors.

- Collaborated with AVP on various projects.

- Monitored and balanced escrow disbursements and reconciled vendor transactions.

- Worked with Black Knight/MSP and Lereta Tax service to ensure accurate tax lines. Capital One, Plano, TX

Principal Servicing Quality/ Escrow Servicing Administration. From 2011 to 2018

- Created scorecards to ensure compliance with governance, policies, and procedures.

- Conducted timely reviews and investigated compliance questions or issues.

- Gathered data and review processes to ensure compliance with internal policies, investor guidelines, and regulations.

- Participated in the SLQ2CQ projects which found challenges in different work areas to resolve.

- Worked with management to establish policies and procedures.

- Reviewed servicing complaints and routed these to the corrected area to be resolved.

- Identified suspicious activity or fraud and made appropriate referrals for investigation.

- Managed time effectively, prioritizing tasks and escalating deficiencies and root causes.

- Implemented KYC and AML protocols to mitigate risk and prevent money laundering activities.

- Conduct Comprehensive KYC reviews, reducing risks by 90% through enhanced due diligence.

- Processed tax amount reporting through escrow disbursements.

- Ensured timely tax payments on escrow loans and processed refunds.

- Managed escrow tax mortgage inbox, daily tasks, REO loans, and tax correspondence.

- Ensure the BSA/AML and Sanctions risk assessment methodology leverages best practices, is kept up to date, and is reviewed periodically by appropriate stakeholders.

-Lead OFAC screening processes, ensuring all transactions were in compliance with federal regulations.

Achieved 100% accuracy in OFAC screening, preventing potential sanction violations. Education:

-Penn Valley Community College K.C., Mo

- Champion School of Real Estate

- Art Institute of Dallas

Volunteer Achievements:

- Mentor/Asst. Supv- Boys and Girls Club of Kansas City, Mo/Collin Co.- Habitat for Humanity

- Children’s Medical Center of Plano, TX

Contact this candidate