FINANCIAL COMPLIANCE ~ FEDERAL LAWS AND REGULATIONS ~ DEFAULT ~ SERVCIING ~ ORIGINATION ~ LOAN SERVICING PORTFOLIOS ~ AD-HOC ~ INTERNAL/ EXTERNAL AUDITS

Senior level Finance Professional, with 20+ years proven experience leading special projects with demanding timelines and high visibility. Strong analytical skills, project management, SOX with extensive expertise in government security, and regulatory compliance licensing.

PROFILE QUALIFICATIONS

Excellent communicator who develops synergistic relationships with decision

makers, teams, and customers, and who leads staff by example and with ethics and integrity. Strong work ethic and high level of professional integrity. Highly versatile and able to quickly master new roles, responsibilities, and technologies.

Areas of expertise:

Risk/Data Analysis

High Visibility Projects

Forensic/Fraud Underwriting

Commercial Credit Analyst

Multi-tasking Proficiencies

Root Cause Analysis

Project Management

Written/Verbal Communication

CMTP (Compliance Monitoring & Testing Program)

Planning/Problem Solving

CFPB/OFAC/BSA/AML/TILA/ECOA

Governance/Regulatory Compliance

Accomplishments:

Spearheaded startup of multiple compliance departments; High degree of effectiveness w/development, testing, and department training of opensource tools to conduct investigations.

Core Value Award for excellence 3 years in row.

SME Regulatory and Federal Compliance Laws.

EXPERIENCE

STRIKE ACCEPTANCE-Irving

Senior Compliance Analyst (Dealership Finance)

August-2022 to Present

Responsible for monitoring and performing recurring compliance functions to ensure that such functions are performed in compliance with company procedures. These functions include, but may not be limited to vendor management, complaint management, compliance training, and internal reviews.

Creation of QC/Audit templates and checklists to analyze and audit operational processes including dealer onboarding, underwriting, funding, collections, repossession, remarketing.

Monitor compliance and risk policies; provide recommendation corrective action, monitor all trends and events affecting dealers’ financial performance.

Actively participate in the review of vendor contracts and performance, and onboarding of new vendors.

Review and manage consumer complaints, including monitoring and responding to consumer complaints, and periodic reporting of complaint activity.

Vendor management, including initial and recurring due diligence, electronic vendor file maintenance, and documentation follow-up and review.

Maintain working knowledge of applicable federal laws and regulations such as TILA, Reg Z, Reg B, FCRA, ECOA, UDAAP, FDCPA, SCRA, and TCPA, OFAC, BSA, AML.

REDFIN MORTGAGE - Plano

Senior Quality Analyst

May-2018 to August 2022

Perform risk analysis and make decision regarding deficiencies identified during the review process. Analyze data to detect deficient controls, identify transaction components that indicate a potential for fraud (or material misrepresentation) and perform sufficient investigative work to confirm or disprove issues that are identified. Identify, track, and escalate deficiencies identified during the review process and disseminate a review report providing details of the finding(s). Provide excellent customer service to the Operations business units through professional written and verbal communication.

•Special Projects - Perform other duties as assigned by management, such as, perform work on targeted audits and assist with training of new hires.

•Training - Maintain a knowledge and understanding of quality control audit software utilized by Redfin Mortgage. Additional training which includes staying abreast of industry standards and on-the-job training for new topics.

•Assist with the development and updating of departmental procedures, process flows, and department checklists to reduce error rate.

NATIONSTAR MORTGAGE- Irving Texas

Sr. Quality Assurance Governance Risk Analyst

August 2012 to February 2018

Worked alongside a wide range of 1LoD teams and individuals across the organization to test, monitor and report on compliance systems and controls to deliver focused continuous improvement to all regulatory compliance practices. Responsibilities included, but are not limited to the following:

CMTP: support in the execution of assurance reviews that provide risk and control insight through the identification of findings or examples of best practice.

Clearly articulate and document findings including the issue itself, impact to the business and root cause.

Escalate significant issues identified in a timely manner.

Track remedial actions identified in the course of reviews performed to resolution.

Managing successful relationships: up to Manager-level within the organization, helping to promote a customer centric and risk aware culture in support of ensuring key external stakeholders have confidence in how we are meeting our customers' expectations and regulatory requirements.

Coordinate and serve as project consultant for weekly/monthly annual ad hoc or business-specific regulatory exam readiness assessments.

Communicate to staff on the operational effectiveness of controls and/or outcomes within their area of work.

Providing advice and guidance: on compliance testing and monitoring programs, systems, and controls.

Technology: embedding 'smart' and effective technology solutions to assist in testing, managing, monitoring, and reporting of compliance standards and expectations.

Document, update, and maintain Standard Operating Procedures (SOPs) for overall program operations.

ADDITIONAL EXPERIENCE

SOLOMAN EDWARDS GROUP- Charlotte North Carolina

OCC QA Review Analyst/Team Lead Auditor

December 2011 to August 2012

BANK OF AMERICA C/O MANPOWER STAFFING- Dallas

Governance Compliance/Fraud Risk Analyst

March 2009 to December 2011

EDUCATION

Associate of Arts-Laney College-Oakland CA

TECHNOLOGY

LSAMS, Fidelity, AS400, MSP, LPS, Fiserve, Black Knight, Compliance Ease, Overture, SharePoint, Lending Space, Cogent, TMO, Encompass, SQL, Java, Visio, Access,TENA, ACES, MERS, eOscar, Defi, Omegasys, Box, PIRM, Looker, BYTE, Meta Source, Waquis., Salesforce, Google suite, Excel (Pivot Tables/V-Lookup), MS Office Suite, LoanPro, CaseCenter, TalkDesk, Snowflake, Tableau, GRC Tools.

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