Risk Management High School
Resume:
Vanity A. Crumby
***** ***** **** ** ********* FL 33534
Cell 850-***-**** ********@*****.***
Highly experienced financial industry professional with diverse background in Lending Practices, Underwriting Criteria & Guidelines, Credit Analysis, Risk Management, and Audits and Compliance. An aspiring team worker, hard worker and dedicated professional who want to contribute towards the growth of the organization along with self-motivation.
Additional Strengths and Competencies include:
Risk Management
OFAC, BSA, US Patriot Act
Due Diligence
Loss Mitigation
Advanced knowledge of mortgage lending
Budgeting
AML, Compliance, and Controls
Vigilant for Suspicious activities
Collections
Proficient utilizing Excel, Microsoft Word, Lotus Notes and Outlook.
EDUCATION
East Bay High School
Diploma/2000-2004
East Bay High School
Business Certificate/2001-2004
PROFESSIONAL SUMMARY
Suncoast Schools Federal Credit Union January 2016- Present
Resolution Specialist
Analyze member accounts to detect suspicious activities to assure Credit Union within compliance with the Bank Secrecy Act, Anti-Money Laundering, and Patriot Act and to ensure regulations set by Office of Foreign Assets Control (OFAC) & Financial Crime Enforcement Network (FinCEN).
Completes written analysis/investigative summary reports. Compiles documentation evidence, accurate investigative notes and produces referrals for prosecution where appropriate.
Completes and files accurate and timely Currency Transactions Reports and Suspicious Activity Reports.
Assists members and staff with MIP (Member Identification Program) Procedures.
Balance chargeback reports to assure General ledger are offset accurately.
Complete chargeback exception report By debiting returned Checks from Member accounts.
Validate if cashier checks and Indemnity agreement form completed accurately fulfilling organization policy.
Crediting Cashier check to member accounts also placing stops on issued lost cashier checks.
Work Assigned Specialty Queue's with reports that requires consistent Research of suspicious activities using On-base and Image vision system to review check images, Sequence number and camera footage to help narrow down investigation.
Re-Analyze member loan payments to reflect the accuracy of interest and principle balance.
Pull runs from a chargeback file in On-base system to debit all account that has return check
Submit Source of receipts forms to notify the Federal Reserve of any adjustment needed that consist of detailed explanation per scenario.
Generate letters regarding member loan or any suffix accounts based upon circumstances.
Credit or debit member loans or suffix accounts to apply to accurate General ledgers to assure Institution funding’s within balance
Communicate with Archive department to pull teller slip and surveillance video to complete E-form cases
HSBC
March 2012- December 2015
Customer Care / Lien Release Compliance Analyst
Perform inbound and outbound calls
Handle complex mortgage billing and lien release issues.
Review promissory notes, loan agreements, all mortgage documents to resolve complex cases
Research consumers accounts to determine accuracy of billing
Provide update status to consumer pertaining satisfaction of liens
Educate consumers of Escrow process, Ancillary charges, loan types such Fixed, ARM, Conventional, FHA and DSI loans (SPOC) Certified
Prepare and conduct compliance training.
Conduct periodic internal testing of compliance controls and procedures.
Provide assistance to Production staff on a daily basis, such as advice on loan-level compliance related issues.
Vangent
June-2011- December 2011
Tier1 Specialist (Temp Assignment)
Provide information on general Medicare information (e.g. General Enrollment Period and the Special Enrollment Period).
Provide information on Medicare Prescription Drug Plans (enrollment & coverage)
Enroll callers in Medicare Prescription Drug Plans.
Provide information on general topics on Medicare Advantage and Medigap.
Provide general claims information including appropriate transfers and referrals.
Provide Medicare Secondary Payer information with the appropriate referrals and fulfillment's.
Follow-up on Medicare Advantage Plans disenrollment
Verizon, – TAMPA, FL
January 2006– April 2011
Business Billing Analyst
Performed inbound and outbound escalated calls.
Produced letters corresponding to member’s chief complaints of service.
Provided leadership assistance by monitoring inbound calls to assure team within compliance and meeting all organization expectations.
Troubleshoot members account to detect the reasoning of bad service connection
Offered all business customers upgraded package plans and products.
Assigned duties and meetings to team workers.
Document system of records thoroughly of all performance per account.
Create and design motivational games and strategies to accomplish department Goals.
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