Richard De La Osa

Miami, FL *****

ad1wxj@r.postjobfree.com

*-** ******, **** (w/Annunities)

Licensed # A065044 (in 14 states)

954-***-****

Summary:

Minimum 15 years of Business experience in the Consumer (Mortgage) and Commercial (Real Estate) Banking industry and experience within a medium/large financial organization, including knowledge of banking products and different types of transactions.

Proven success in a client-focused environment.

Relevant work experience and understanding of global and local AML KYC regulations, associated risks of non-compliance and changing dynamics, and knowledge of KYC processes throughout the client lifecycle.

Understanding of the interdependencies of roles within KYC/SAR process and requirements for KYC/SAR Recorded successful completion across relevant client types.

Experience with regulatory compliance, AML transaction/risk monitoring tools, and solving AML related issues.

Effective verbal and written communications skills

Complete processing and underwriting skills for Loan Mortgage Origination.

Detailed oriented.

Strong time management and analytical skills.

Understanding of Bank’s policies and procedures.

High level of energy and enthusiasm

Strong commitment to the business and team

Focused and driven attitude to support Sales with the Due Diligence process

Education:

Miami Dade College 1991

2 yrs Business Administration w/minor in Accounting

Skills: Bilingual – English and Spanish, Proficient Microsoft Office user.

Professional Experience:

HolaDoctor, LLC Nov 2018 - Feb 2021

Insurance Team Lead

Generated sales to ensure that OEP would be a successful event that would be profitable event.

Assist eligible consumers to select the appropriate Healthcare insurance plan.in the Marketplace.

Present potential solutions for saling all kinds of Supplements using our insurance products.

Abide by the procedures, rules and requirements for compliance.

Adheres to listen to recordingsof agents, having 1on1 discussion on behavior patterns the industry was heading and how to excute on closing deals w/ancillaries on a shorten time limit.

Meet monthly sales goals including applications submitted, conversion, hours, AVG handle time

Act accordingly to work schedule.

First State Bank of the Florida Keys Apr 2018 - Sept 2018

Loan Servicing Specialist-Insurance Team Lead

Execute a range of complex tasks to ensure that the bank loans have adequate flood, fire, and wind insurance if property secured and have comprehensive and collision (full coverage) if vehicle/vessel secured; in force consistent with regulatory guidance and bank credit policy.

Act as liaison between the Loan Servicing Department and all parties involved in the insurance function.

Review, maintain, monitor and track down all insurance compliance requirements for all new and existing commercial loans and residential/consumer loans.

Assist in compiling insurance reports for audits and other purposes.Responsible in solving all insurance issues across the board and assisting lenders, lending assistants, and other constituents with their insurance-related issues.

Assist the loan originators and administrators in reviewing all insurance requirements prior to funding.

Processing, imaging and filing of documents

Other duties as assigned

Paramount Residential Mortgage Group, Fort Lauderdale, FL Jan 2017– Mar 2018

Asst. Jr Processor/ Marketing Asst.

Build relationships; develop new business accounts by working with Realtors, Title Co., self-sourcing (B2B, M2M), M2M referral and networking referrals.

Establish personalized customer service standards by prompt responses to client inquiries for Realtors.

Consolidated relationship with customers through virtual customer service.

Responsible for onboarding account opening documentation and client remediation review including customer due diligence (CDD), enhance due diligence (EDD), know your customer (KYC).

Congregated and inputted documents to process loans for Underwriting Approval. Review QC findings.

Translated for Loan officers and completed 1003 applications for DU findings and Underwriting Approval.

Bank of America Merchant Services, Fort Lauderdale, FL Mar 2014 – Aug 2015

AVP; Business Consultant (Field Rep.)

Build relationships; develop new business accounts by working with partnerships, self-sourcing (B2B, M2M), M2M referral and networking referrals.

Opened Consumer and Business Account.

Partnered with Assigned Banking Centers to assist with SBB, CB and BCM in the area of development, expansion and retention.

Train and reach knowledge of products and services within the industry to bankers and merchants.

Knowledge of Anti-Money Laundering (AML), Bank Secrecy ACT (BSA), USA Patriot Act, FATCA and regulatory environment knowledge of general banking operations, policies and procedures.

Responsible for onboarding account opening documentation and client remediation review including customer due diligence (CDD), enhance due diligence (EDD), know your customer (KYC).

Planet Beach, North Miami Beach, Florida Oct 2012 – Mar 2014

Sales Manager

Generated sales leads through Company. Motivated sales staff and monitored their production levels by using the established protocols and sales system programs.

Hold daily production meeting sales team. Establish and maintain the standard company protocol for sales tours and price presentation.

Helped Associates close deals. Performed above quota by 125% as a norm.

Prospecting for new business and upgrading existing members through networking and cold calling.

Train and reach knowledge of products and services within the industry.

Bank of America Home Loans, Ft. Lauderdale, FL (Modifications) June 2011 – Oct 2012

Customer Relationship Manager/Subject Matter Expert (Call Center)

Excel in being proactive in identifying cross-sell opportunities that are client specific. Currently managed and serve as a single point of contact for a portfolio of 100+ distressed homeowners providing advice on loan modifications, second mortgage modifications, short sale/ DIL, and foreclosure in a time sensitive deadline driven environment.

Oversee a broad set of activities that include, document validation, NPV modeling, loss mitigation, negotiation, late stage collection. Handled functions as part of rotation as teller to receive payments on Modification programs and monthly mortgage payments.

Ensure compliance with federal laws and guidelines that minimize loan losses and legal concerns.

Responsible for onboarding account opening documentation and client remediation review including customer due diligence (CDD), enhance due diligence (EDD), know your customer (KYC).

Investigating Elements, Main Point and Purpose of Mortgage.

Monitoring of Transactions (payments made to warehouse credit-line; Secondary-market).

Nationwide Financial Solutions, LLC Coral Springs, FL (Modifications) Jan 2009 – Jun 2011

Senior Sales Negotiator

Specialized in negotiating and resolving client debt with various modification bank program and government programs.

Assisted contracted customers with loss mitigation, home retention, mortgage lending, and real estate transactions (DIL).

Marketed debt resolution and loan modification options to both commercial and residential clients. (Short-Sale)

New World Commercial Lender, Miami, FL Jan 2005 – Dec 2008

Wholesale Account Manager/Sr. Loan Officer

Originated, maintained and expanded commercial real estate relationships with Commercial Bankers and Investors.

Performed analysis, projected financing, processing, and underwriting of Commercial loans for Investors.

Manage interaction with Management and other staff members, as needed, in support of AML/KYC activities, maintaining a high level internal client service experience.

Surpassed monthly, quarterly and annual production, strengthening revenues and increasing close ratio.

Transcontential Lending Group, Miami, FL Jan 2000 – Dec 2004

Asst-Branch Manager/Sr. Loan Officer

Controlled all operations of the branch including sales, processing, underwriting and workflow using DU and LP.

Recruited, trained, and assessed loan officers, critiquing sales methodology and performance.

Documented, processed, and completed underwriting of loans.

Grew loan production by 25%, strengthened revenues, and increased the close rate of the branch every month.

Congregated and inputted documents to process loans for Underwriting Approval. Review QC findings.

Allstate Insurance Company, Inc., Miami, FL Aug 1992 – Jan 2000

Sales Representative

Processed claims, conducted interviews, and completed underwriting on all lines of insurance.

Increased production and regularly surpassed quotas.

Also assisted with claims during Hurricane Andrew.

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