OSCAR F. AIZCORBE

Vienna, US-VA ***** 703-***-****

ad2iar@r.postjobfree.com www.linkedin.com/in/oscarfaizcorbe2506

Experienced senior compliance and quality control, audit professional in financial services with progressive leadership in managing regulatory compliance and quality control offices in mortgage banking and consumer lending environments. Skilled communicator, team builder, with eleven years of experience in consumer lending compliance and risk requirements. Expert auditor, risk reports author, remediation advisor. Working with 1st, 2nd line of defense. 27 years consumer lending experience. CORE COMPLIANCE EXPERIENCE AREAS CMS Management Third-Party, GSE, State Audit management Regulatory, federal, and state compliance, expert. Quality Control Program Administration Fair Lending testing, interpretation, remediation, proficiency. CFPB regulatory expert Change Management Servicing Audit Experience Effective collaborator with cross-functional groups Extensive consumer lending experience

Work Experience

Vice President Oct 2019 - Oct 2022

McLean Mortgage Corporation Fairfax

Provided all-inclusive coverage while establishing managed regulatory compliance, quality control, and quality assurance functions. Performed compliance tester duties while analyzing data. Mapped data results to risk management tools. Contributed to test design. Met or exceeded all corporate compliance quality control and risk control requirements. Provided comprehensive coverage for all required compliance, qual ity control, and risk initiatives. While mitigating risk

●Successfully managed and performed all audits and control monitoring efforts, including remediation, and reporting. Focus on regulatory compliance and state requirements. This resulted in no fines or sanctions issued by any states. Worked closely with business lines to relay audit results and act in an advisory role Provided reporting to senior management.

●- Provided detailed actionable reports which facilitated stakeholder adoption

●Validated audit and control monitoring effectiveness, adjusting routines as needed

●Deployed a quality control program consistent with agency requirements. Reported any violations (gse based) . Provided trending reporting and monitoring. Focused on the second line of defense testing

●Managed Privacy regulation implementation across the enterprise inclusive of all required disclosers

●Expert in consumer federal regulations: TILA, FCRA, RESPA, BSA/AML/OFAC, ECOA, FDCPA, MLA, SCRA, FACTA PRIVACY, HPML, UDAAP, TRID, TCPA, REG Z, SCRA, HMDA

●Supported business units with relevant data. loan production areas with daily reports and informational compliance services provided best practices approach leading to reductions in violations.

●Provided subject matter expertise on consumer lending-related rules and regulations.

●Prepared and coordinated all required deliverables for external audits and exams while comprehensively managing external exams.

●Managed the change management process and reviewed all consumer advertising for compliance.

●Administered the third-party compliance vendor management program while meeting all CFPB requirements.

●Performed all required BSA/AML officer tasks. Audited the CIP component for compliance

●Analytical thinker strategic executor.

Senior Vice President Jul 2013 - Nov 2019

Wentworth Home Loans Formerly West Star Mortgage Woodbridge

●Guided the compliance and quality control office, managing all corporate compliance, quality control, federal and state audits, and licensing functions.

●Coached a skilled team, conducted pre-funding and post-closing QC reviews, and derived remediation plans.

●Implemented a Social Media Audit and reviewed consumer advertising for compliance.

●Managed and administered the complaint process as required by the CFPB Developed a monthly management report, including compliance gaps, remediation effectiveness, and emerging threats.

●Authored and presented training materials on compliant best practices.

●Managed monthly HMDA reviews, annual filings, and fair lending studies.

●Performed all required BSA/AML officer tasks. Audited the CIP component for compliance.

●Directed multiple process improvement initiatives and managed the policy and procedures library.

●Excellent communicator, written and verbal. Expedient analytical and strategic thinker.

Core Skills

Inclusive, Comprehensive, Effective Communication, Strategic Thinking, Effectiveness, Consistent, Focused, Fair Lending, Social Media Analysis, Process Improvement, Monthly Reporting, Quality Control, Regulatory Compliance, Regulatory Compliance, Regulatory Compliance, Best Practice, External Auditing, Risk Control, Consumer Lending, Supplier Management, Quality Control, Quality Control, Change Management, Retail Marketing, Code of Federal Regulations,, Mortgage Banking, Content Management System, Audit Management, Cross Functional Skills, Change Management

Academic Credentials: George Mason University B.S. Finance.