CHRYSTIE T. JOHNSON

469-***-****

ad40sd@r.postjobfree.com

Professional Experience

Software Galaxy Systems/Citizen’s Bank Nov. 2021 - Present

SBA PPP Loan Analyst

Collecting, Analyzing, and Evaluating financial documents and related data to determine credit worthiness of loan prospects and SBA Payroll Protection Program eligibility.

Interpretation of financial statements, tax returns and projections. Underwriting and Funding for Payroll Protection Program (PPP government loans). By following guidelines set by the SBA. Processed Forgiveness applications and requests for 1st draw PPP loans.

Determined Eligibility for forgiveness of 1st & 2nd Draw PPP loans for existing customers by using payroll, tax, and business documents provided.

Continuously improve the framework, methodology, processes, and reporting. Stay abreast of all applicable laws, regulations, and emerging risks for consideration in the risk assessment process.

Gaining a detailed knowledge of the enterprise customer base, products, services, transactions, geographies, business initiatives, processes, strategies, and associated controls.

Enhanced Due Diligence (EDD) in exercising Underwritten process of comprising bank policies and procedures.

Following all procedures and compliance of the government according to SBA loans and ensuring all compliances are met and are within the guidelines of the Payroll Protection Program.

Guidehouse/Navigant Consulting July 2019 – Nov. 2021

Global Investigations & Compliance Analyst

●Reviewing system generated alerts and gathering and analyzing data to determine the outcome of the alert being at risk for fraudulent activity.

●After conclusion of alert decision being fraudulent thereafter a suspicious activity report SAR) is written and submitted to FinCen.

●Implemented Due Diligence through KYC tools and to determine the validation of all documentation presented by the consumer. Handle all escalated issues as appropriate for advanced investigation and analysis.

●Following all procedures and compliance of the government according to SBA loans and ensuring all compliances are met and are within the guidelines of the Payroll Protection Program.

●Build and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g., financial, legal, reputation, etc.)

●Validate quality of draft Suspicious Activity Reports via FinCEN Software for various business units (AML Operations, Auto Lending, Savings, Information Security)

●Credit Card Compliance, Big Bank experience, large Credit card experience focusing on issues and complaints rendered by customers, Broad scope, Credit Card marketing experience (Risk), report directly to all of compliance with findings.

Capital One May 2018 – June 2019

Pionear Recruiting

Compliance and Risk Management Analyst

●Reviewed system generated alerts to assess the presence of illicit activity that may require reporting based on Bank Secrecy Act (BSA)/AML requirements, conduct research as required, and document detailed results in written format.

●Write suspicious activity reports, files Currency Transaction Reports (CTR's), address sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations

●Escalate issues as appropriate for advanced investigation and analysis

●Build and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g., financial, legal, reputation, etc.)

●Validate quality of draft Suspicious Activity Reports via FinCEN Software for various business units (AML Operations, Auto Lending, Savings, Information Security)

●Credit Card Compliance, Big Bank experience, large Credit card experience focusing on issues and complaints rendered by customers, Broad scope, Credit Card marketing experience (Risk), report directly to all of compliance with findings.

The State Bank of Texas October 2015 - May 2018

Underwriter/Compliance Analyst II

●Credit Card Compliance, Big Bank experience, large Credit card experience focusing on issues and complaints rendered by customers, Broad scope, Credit Card marketing experience (Risk), report directly to all of compliance with findings.

●Audited Large bank compliance (after crisis of Dodd Frank so they understand operating in this environment) CRCM.

●Assessed the inherent money laundering and sanctions risk and controls though the established risk and control framework.

●Work with data analysts to source data required to support AML inherent risk metrics.

●Assess the company's collective ability to monitor and control inherent AML and sanctions risk.

●Conduct detailed reviews of high-risk areas.

●Maintain detailed policies and procedures related to the risk assessment process.

●Continuously improve the framework, methodology, processes and reporting. Stay abreast of all applicable laws, regulations and emerging risks for consideration in the risk assessment process.

●Gain a detailed knowledge of the enterprise customer base, products, services, transactions, geographies, business initiatives, processes, strategies and associated controls.

●Ensure results of the risk assessment are tracked until remediated in accordance with corporate compliance standards.

●Routinely communicate and report the state of AML Compliance risk.

●Assist in audits.

Bank of America Home Loan Servicing July 2010 – October 2015

Senior Underwriter

●Responded to member and third-party phone calls to keep appropriate parties informed of loan status and meets service level objectives for completing mortgage applications.

●VA or conventional home loan requests and member issues for all mortgage products in support of a fulfillment unit. Analyzes financial and credit data to determine the acceptability of loan risk in support of bank, investor, and regulatory policies

●Initiates follow-up phone calls to applicants and third parties to obtain necessary loan documentation, title and/or collateral information.

●Communicated with several Diverse Attorneys requesting approval of documents.

●Prepared First Legal documents such as; Deed of Trusts and Substitution of Assignments and Assignments.

●Performed complex Quality Assurance cradle to grave reviews on the Mortgage Foreclosing Process.

●Monitored completeness, accuracy, and adherence to Bank of America policies and procedures as well as State and Federal Regulations.

●Made decisions in accordance with department policies, including Modifications, Full payoffs, Short sales and Reinstatements.

●Took ownership to resolve issues/inquiries with warm, caring and individualized attention.

●Document accounts with written summaries explaining reasons for default and/or additional resolution possibilities.

●Communicate options to customer relationship managers, process support and underwriters.

●Verify correct documents and information are available in a variety of client and client's systems and closings are conducted properly.

●Analyzed income calculation and debt ratio to determine borrower risk. Analyze borrower documentation to determine borrower eligibility and compliance with client and/or investor guidelines

●Reviewed final offers to determine final qualification prior to closing

Software Skills

●Microsoft Office, Word, Intermediate to Advanced Excel in creating formulas and pivot tables, and CDI Data and Outlook, Actimize, TSYS, Chordiant, E-Prism, Iris, IBM, Doc Trac, I portal, AS400 SAP, LoanIQ QuickBooks, Kronos, and GSE and GTA Mortgage systems, Actimize and Montis software currently my day to day strengths.

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