Yasmin Ranga

ad4c42@r.postjobfree.com 914-***-**** www.linkedin.com/in/yasminranga

Seasoned compliance and loan specialist professional with over 20 years outstanding compliance areas of expertise and unparalleled skills in banking regulations incorporating all phases within the mortgage industry. Partner strategically with various stakeholders to produce organizational success and thrives in demanding fast paced environments. Bilingual/English and Spanish

Recognized For

Leadership Collaboration

Customer Loyalty Decisiveness

Areas of Expertise

Escalation

Change Implementation

Investor Relations

Loan Conversions

Commercial and Consumer Loan Compliance

Management and Leadership

Project Management Skills

Internal Controls and

Procedures

Collaborating with Business

Teams

Spear Heading of Business Rules

Due Diligence and Remediation

. Post Closing Specialist

Customer Service Excellence

Mortgage Servicing

FISERV – DNA LOS/Jack Henry –

Silverlake - Encompass

Key Accomplishments

At major financial established enterprise-wide programs which successfully rescinded bank regulatory actions, such as Federal Disaster Protection Act, (FDPA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) and Real Estate Real Estate Settlement Procedures Act, (RESPA).

Implemented risk assessment firm wide programs for JP Morgan and IDB adjusted ratings to industry standards.

Established a Client Complaint Tracking System with root cause analysis, greatly decreasing customer complaints.

Successfully purchased through bulk-sales, loans from government receiverships, adding to bank’s loan growth by 25%.

Professional Experience

Union Savings Bank, New Milford, CT April 2023 to Present

Trust Compliance Officer – Wealth Management Division

Review and onboard new deposit accounts – trust, custodial and investment management accounts.

Review and update policies and procedures.

Responsible for compliance calendars and reporting to trust committees.

Provide regulatory guidance to investment officers.

Manage IRA and Pensions account relationships.

QC new accounts for regulatory compliance.

Fieldpoint Private Bank and Trust, Greenwich, CT

Financial bank servicing private wealth clients, offering commercial and deposit services.

Vice President - Loan Servicing Operations/Post Closing September 2021 to January 2023

Restructured Loan Servicing Department – including overhaul of policies and procedures.

Collaborated with Investors, to ensure closing packages were ready for submission. Responsible for issue resolution to close files timely. Escalated errors to management.

Performed compliance reviews of policies and procedures, with tested case results and audit findings.

Instituted a record retention program to comply with retention policies.

Down scaled post-closing issues such as missing titles, recorded mortgages, assignment from 500 items to 125 items in a period of 8 months.

Purchased 30-year loan portfolio for $18MM.

On committee to change Libor loans to SOFR rates.

Performed lookback for 285 arm products for interest rate adjustments.

Proficient in Commercial Lending and Wholesale Banking

Revised over 60 policies and procedures, complaint with regulatory updates, required quarterly attestation from staff.

Created projects around 3 key findings (vendor onboardings, Interest Rate adjustments, FDPA reviews) including target maps, LOB weekly meetings, accountability, and attestations. Finalized with presentation and closed cases.

United Nations Credit Union, Long Island City, NY

Vice President AVP - Loan Servicing Operations March 2018-April 21

Managed a staff of 20, achieving service level agreements (SLA’s) over 98% in customer service, complaint tracking, payment of taxes and insurance and document retention.

Lead a staff of 4 post closing staff collaborating closely with FannieMae and Freddie, and private investors.

Proven ability to managed new tax and insurance vendors with SLA performance metrics.

Liaison between Loan Operations and Loan Servicing, mitigating onboarding issues and special projects.

Introduced due diligence and contract negotiations for vendor onboarding.

Instituted FHLMC servicing and selling for loan operations.

Expanded customer service department, including a robust case management system to provide high-quality service.

Developed and provided oversight for risk assessment in loan servicing functions.

Created procedures for Post-Closing – Correspondent Lending and other investors.

Developed project plans for FHLMC onboarding, including all pertinent LOBs, including training and monthly reporting.

Other Notable Employment

IDB, NEW York, NY

Commercial Bank

First Vice President Compliance Manager March 2017-March 2018

JP Morgan Chase, New York, NY

Vice President, Compliance Manager February 2013-March 2017

Hudson City Savings Bank, Paramus, NJ

Vice President, Compliance and Loan Operations August 2010 -February 2013

Mizuho Corporate Bank, New York, NY

Vice President, Compliance and Loan Operations May 2004-August 2010

Education

BS, Marketing, May 2003

Mercy College, Dobbs Ferry, New York

Certifications

Certified Anti-Money Laundering Specialist

ACAMS, September 2007

Professional Development

ACAMS Membership, ACAMS, 2022, Regulatory Compliance, MBA, 2017, Bank Secrecy Act, MBA, 2017

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