Overview

Compliance and Risk Management professional with experience developing and instituting Safety and Soundness and Consumer Protection practices in the Financial Services industry. Expertise includes implementation of Fraud and Bribery (FCPA) deterrence programs, compliance programs as a practitioner for TILA-RESPA, Fair Lending, HMDA, UDAAP, and CRA, and Regulatory Reporting; Credit Risk/Underwriting, Compliance Testing & Monitoring Portfolio Mortgage QC. Have strong analytical skills able to identify opportunities for automation to increase efficiencies. Have delivered execution and delivery of banking objectives for compliance and regulatory purposes. Developed excellent mentoring programs in organizations; Organization Lending Buildout; An inspired thinker with ability to multi-task who is committed to meet SOW deadlines and deliver quality output. Knowledge of enterprise-wide solutions within a vertical market. Possess excellent written and interpersonal communication, Customer Resource Management, Organizational management, and project management skills.

Skills

Strong proficiency with MS Office Suite (Word, Excel, PowerPoint) Internet and Financial Software, Genesis LOS Software, Encompass LOS Software, Calyx LOS Software, FIS Loan Boarding, Cenlar Residential Loan Boarding, Byte Software; Bank Underwriting Software, Regulatory Planning Tool/Dashboard; PitchPoint Software for Red Flag system’s with OFAC, CoreLogic Software BSA/AML, Fraud controls thru Lexis-Nexus; Wolters-Kluwer; LoanLogics Compliance Software; Customer Resource Management (CRM); ACES Risk Management-Audit, JIRA.

Assignments

Independent Compliance & Risk Consultant, Tampa, FL 01/2024-present

Consulting/Contract

Independent Compliance Consulting offers services such as remediation, compliance auditing and monitoring, loan review, policy & procedure review and third-party risk management and assessment. AML/BSA, KYC and fraud assessment.

Grant Thornton, Chicago, IL 01/2023 -12/2023

Regulatory Compliance Risk Manager

Regulatory Compliance Consultative Services.

Conducted Third-Party/Vendor Risk Reviews

Conducted Fair Lending Reviews & Fair Banking Services Reviews

Enforcement Action Remediation Reviews

Credit Risk Management / Loan Review Services

Developed Regulatory, Compliance, and Risk Training

Conducted Residential Loan Remediation (GSE)

Guaranteed Rate, Chicago, IL 02/2021 – 11/2022

Director of Quality Control & Compliance Assurance

·Monitoring and Tracking of Post Close QC Audits Monthly for GSE’s and Private Investors; HUD/VA.

·Monitoring & Track Emerging Risk & Red Flags in the entire GR Loan Portfolio

·Develop Random & Target/Discretionary Reviews for Risks

·Responsible for Planning, Execution and Reporting QC Audits to Senior Management.

·Knowledge and experience with risk assessments, scoping regulations, development of risks and controls matrices, processes and controls design assessments, controls operating effectiveness testing, transactional access segregation of duties, transactional testing, and reporting activities.

·Compliance Auditing the Consumers Regulations, CFPB, FRB, and State Regulations.

·Develop & Monitor Action Planning for defective loans.

·Monitor responses needed for Federal/State Examinations

·Manage & Oversee 72 PCQC Compliance/Credit Audits Monthly

·Responsible for Issues Management & Emerging Risks

·Collaborates to resolve any issues which fall within in terms of PCQC. Escalate those that require legal support.

·Progressive experience leading multi-disciplinary teams and complex projects

·Manage Vendor Risk Audits meeting GSE’s requirements.

·Prepare and assist for any enforcement actions i.e. MRA, MRIA, GSE Buy-Backs for Senior Management.

Silicon Valley Bank, Dallas, TX 10/2018 – 01/2021

Compliance Manager

·Business Risk and Controls Monitoring, Testing/Audit across Commercial Bank, Private Bank Retail Loans, Capital Management, Treasury; Marketing, Liquidity Risk.

·Compliance, monitoring, and testing Consumers Regulations, CFPB, FRB, State Regulations for Retail Banking -Mortgage

·Responsible for Pre-Planning, Execution, Reporting Compliance results to Senior Management

·The Compliance Monitoring Testing incorporates Preplanning Phase with the individual Business units for the In-Scope Review, Walk-Throughs, documents retained, prior internal Audit review. Conference Calls with each Business Unit to determine the approach.

·Execution of evaluating the controls in place to the procedures for that regulation. Review the population or sample of data from the review test it to the control if the Business Unit design result and effectiveness is working

·Reporting Preliminary Results to the Business Units for review and comments; finalizing final report for Senior Management; Defects in the review confirm the Business Units executes Management Action Plan (MAP) within 30 days.

·Monitoring & Tracking Incidents of Regulatory concerns with Business Units; Escalation Practices for In Scope Reviews (Complaints Regulatory & Non-Regulatory)

·Knowledge of Risk processes and Bank’s Control systems applications desirable, in Risk and Control, Execution and results oriented with a strong diligence.

·Experience in planning, executing, and reporting on compliance testing reviews and regulatory issue validation activities

·Knowledge and experience with risk assessments, scoping regulations, development of risks and controls matrices, processes and controls design assessments, controls operating effectiveness testing, transactional access segregation of duties, transactional testing, and reporting activities.

·Knowledge and experience working with first line of defense groups (1LOD) with communicating the risks and controls in their business units to mitigate the risks to the bank. Experience in effectively communicating the key requirements of the regulations for KRI’s, Residual Risks.

·Experience with First Line of Defense (1FLOD) or Front-Office/Business Units in Treasury/Capital Markets for Safety and Soundness compliance testing for Credit Loan Concentrations; Capital Adequacy; Management Interlocking.

·Experience with First line of Defense (1FLOD) with Commercial Banking Front Office; Community Development (CRA) and Private Bank for compliance testing of Complaints Management.

Texas Capital Bank, Dallas, TX 12/2014- 8/2018

Vice-President Private Wealth/Retail Banking/Lending Operations

·Developed Banking Loan Policies & Procedures for Compliance & Lending Guide

·Leadership role in the developing retail consumer banking programs for the bank’s loan portfolio.

·Advisory for Execution and Delivery of Project Plans for retail banking in 30/60/90 plans.

·Understanding the reason for the Laws that have been created since the Dodd-Frank implementation, RESPA, TILA Acts, TRID, UDAAP.

·Design client facing skills in the retail banking for proper expectations.

·Effectively monitoring portfolio in a deadline-driven environment.

·Manage Pre-Funding & Post Funding area for Private Wealth Retail consumer lending.

·Govern and Approve Wire transactions for Private Wealth Retail Consumer Lending

·Manage vendor relationship & loan boarding process with Sub Servicer.

·Identify and document deal performance issues and/or anomalies. Resolve issues using deal document review and/or knowledge of deal structure and performance expectations.

·Assist with data entry projects as necessary

·Manage a wide range of responsibilities and relationships including legal, bank compliance, credit, capital, IT, operations, disclosure, analytics, and outside consultants

·Manage and Supervise Retail Lending Division Operations

·Supervise and monitor daily operations in Private Wealth and Retail Lending Operations for Texas Capital Bank

·Created the Instituted Risk Assessment for regulatory safety& soundness at Texas Capital Private Wealth & Retail Mortgage Banking/Lending

·Fair Lending practices implemented across Texas Capital Bank Private Wealth Banking and Retail channels.

·Maintain all Reg B, Reg C; TRID, RESPA; Safe Act Policies & Procedures.

·Developed compliance models for tracking loan portfolio risk.

·Manage Lending Portfolio Servicer activity for compliance tolerance & Loan Boarding activities, Doc Management Storage for Servicer.

·Vendor Oversight Management for the portfolio vendors in LOS platform.

·Served on Consumer Oversight Steering Committee

·Collaborated with Loan Administration/Secondary Market of processing the portfolio loans for booking and servicing.

·Collaborated with Business Integration for Data and Risk interfaces for the Loan Operations.

Federal Deposit Insurance Corporation Dallas, TX 1/2009-6/2014

Regional Analyst/Regulatory; Acting Regional Manager San Francisco Field Office (2010)

Institutional Monitoring & Risk Analysis

Engaged in FDIC Regulatory Bank Examinations and insured depository institutions to determine the financial of the bank, evaluate Senior Management and Board, and determine compliance with applicable laws and regulations. Compliance reviews in RESPA/FAIR Lending in loan portfolios; Credit Monitoring of ALLL-Provisions; Safety and Soundness Liquidity Monitoring.

Served as principal advisor & subject matter and technical expert on matters related to developing and maintaining readiness strategies and capabilities needed to support the FDIC’s responsibilities to resolve large institutions.

Implemented problem case memos on all CAMEL ratings and Capital issues for banks in the FDIC Western Region

Developed a broad range of policies and procedures related to the resolution of large institutions.

Regulatory Reporting:

·Implement FDIC Regulatory Initial Examinations of problem banks with Camel ratings =/>3. Report and escalate findings to Senior Management DC.

·Collaborate with FDIC Senior Management for review non-performing/non-accrual of CRE, C&I, AD&C Loans & Residential loans for audit.

Performed advanced analyses and special studies to evaluate the probable impact of alternative courses of action in large, unusual, or exceptionally difficult problems.

Developed and communicated highly technical information, both orally and in writing, to audiences within and outside the Division, including FDIC officials or private sector executives and other managers.

Project Advisor responsible for institutional monitoring of 100+ banks ranging from $100 Million to $50 Billion in total assets. Examinations required careful appraisal and classification of assets, comprehensive analysis of liabilities, accurate determination and analysis of capital, a studied review of dividend and charge-off policies, earnings trends and future prospects, review of banks policies and a full determination of all other factors and causes, unsafe and unsound practices, and violations of laws and regulations which have or may affect the condition and soundness of the institution under examination.

Exercise responsibility for the least cost resolution of failing financial institutions and the subsequent sale of loans and other assets not sold at the time of failure.

Gathered and analyzed financial and other information concerning the institution, interaction with staff of various supervisory agencies.

Read, interpret, analyze, and apply complex legal information. Prepare and deliver written and oral presentations to senior management on legal issues.

Experience working AML/BSA related projects; Bank and Wire Fraud and compliance investigations; SARs, TILA, Fair Lending, CRA, SOX controls & procedures; USA PATRIOT Act, Dodd-Frank Act and OFAC sanctions/regulations.

Safety & Soundness Reviews, FDIC Part 30, in conjunction with other regulatory agencies for capital and liquidity weakness

Enforcement Actions Review cases of Cease & Desist, MRA, MRIA, Consent Orders with problem banks.

FDIC Advisor Special Assignment: responsible and published Case Study “Lessons Learned Bank Crisis” for Senior Management

Lehman Brothers, Tampa, FL 5/2003-12/2008

Secondary Marketing/Underwriting/Compliance Officer

Credit Underwriting Correspondent/Wholesale- Agency and Non-Agency Loans; Credit Risk Downgrade; Portfolio Management on RMBS for Non-Agency Loans.

Implemented Compliance Program in TILA, CRA, UDAPP, and Fair Lending Courses for Underwriting.

Familiarity with Bank Secrecy Act, USA PATRIOT Act; FCPA and OFAC sanctions/regulations; AML surveillance and/or transaction analysis; correspondent banking AML red flags and typologies; data analysis, drafting SARs

Knowledge of SOX controls & procedures

Fraud Investigations on Mortgages & RE Fraud; Wire Fraud Investigations; QC Secondary Marketing Residential Pools of Correspondent Channel & Reps and Warrants of Loans Purchased for the Secondary Market/Private Label.

Coordinated and managed the regulatory compliance audit process. Developed and implemented a risk-based compliance audit plan, including scope determination, audit planning memos and reports.

Planned, scheduled, and conducted each audit, per schedule, to ensure that all activities conformed to established audit procedures. Used audit programs as guides and initiated additional audit steps were deemed appropriate.

Reviewed compliance related policies and procedures for compliance with regulatory requirements and sound practices. Prepared detailed report of violations to federal and/or state regulations and other compliance audit findings, presenting any irregularities or exceptions to Senior Management and/or the Audit Committee. Made recommendations for corrective action

Education:

Thomas Jefferson School of Law San Diego, CA

(JSM) Master of Law; International Tax & Financial Services; Concentration; Anti -Money Laundering & Compliance; GPA 3.70; Cum Laude,

Golden State University, Los Angeles, Ca

Bachelor of Arts; Business Administration; GPA 3.20,

Community College of Beaver County, Beaver, Pa (Professional Pilot)

Training:

FDIC Asset Management/Receivership Training; TJSL Cyber-Terrorism Class

HMDA Training; Fair Lending Training ABA

Bank Mortgage Fraud Training Lehman Brothers

Anti-Terrorism/Money Laundering Lehman Brothers

Association of Certified Fraud Examiners Training

ABA Risk Management School

Certifications:

CRA Certified Risk Analyst (CRA)

Chartered & Board-Certified Anti Money Laundering Consultant (CAMC)

Certified Risk Manager (CRM)

USA Hon. Global Advisor @ AAFM

Board Certified Master Financial Planner (MFP)

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