Wells Fargo N A
Resume:
Renale Smith
**** ***** **** **. ************, PA 19146
*************@*****.***
To utilize my skills and experience to grow professionally and individually with my dedication and energetic professionalism. To lead my team and motivate my colleagues with the aim of meeting and surpassing daily goals. Work Experience
Associate Analytics Assistant
11/ 2021 to Present
Wells Fargo Bank N.A.
Philadelphia, Pennsylvania
● Researches, performs and collects basic data and information for specific projects
● Responsible for key functions critical to customer profiles
● Processing multiple transactions accurately and timely each day
● Global payment processing including SWIFT, Fedwire, and chips
● Interfaces with data users to determine data needs and create custom reports
● Imports data into database, modifying data to meet data environment as needed
● Responsible for providing reporting and/or database support to a department or area.
● Completing implementation requests on a wide array of product and service offerings
● Opening, and closing accounts, and performing other maintenance requests
● Updating and/or creating account information that impacts pricing, revenue, and other financial reporting
● Analyzing and implementing exceptional and complex requests.
● Applying monetary adjustments to client accounts
● Responding to inquiries from business partners related to implementation request Financial Crimes Consultant II
11/ 2018 to 11/ 2021
Wells Fargo Bank N.A.
Philadelphia, Pennsylvania
● Ability to meet stringent deadlines
● Ability to achieve high production and quality standards
● Ability to conduct investigative research using appropriate investigative techniques to control and mitigate risk
● Reviewed internal and external systems to ensure and implement Anti- Money Laundering policies and regulations for several monetary transactions such as wires, credit card/debit card transactions, and transfers
● Performs detailed analyses, maintains required documentation, files Suspicious Activity Reports (SARs) and Unusual Activity Reports (UARs’ s), and acts as an escalation point for more complex cases. Investigates using internal, open source, and external information to detect patterns, trends, anomalies, and schemes in transactions and relationships across multiple businesses/product activities
● Domestic AML investigations, conducting account reviews, identifying trends, addressing any BSA concerns,
● Handle and execute as a second line of monitoring for Anti- Money Laundering/Counter-Terrorism Financing Escalations Representative
06/ 2017 to 11/ 2018
Wells Fargo Bank N.A
Philadelphia, Pennsylvania
● Analyze, research and resolve problems identified by internal and external clients which may result in processing or making adjustments to various internal processing systems
● Monitoring new customers and reporting issues and trends which may pose potential risk to the customer and or the company
● Communicating to internal and external parties via email and telephone regarding USD and Foreign Exchange, Wire Transfers, SWIFT, and Telex
Home Loan Mortgage Processor
08/ 2016 to 06/ 2017
Wells Fargo Home Mortgage
Frederick, Maryland
● Gather documentation and, evaluate loan applications by accurately reviewing asset liabilities and income documentation for creditworthiness, to minimize any potential risk and or fraud
● Secure Clientele with overall customer service and product knowledge of the process
● Provide clear, accurate, and timely responses to customer’s questions and concerns
● Maintain professional and lasting relationships with customers
● Complete loan contract by explaining provisions to the applicant: obtaining signatures and notarizations: collecting fees and scheduling closings
● Maintain a pipeline of 50 or more loans which consist of FHA and VA loan types, while adhering to federal and internal banking guidelines.
● Review documents and work with team members to ensure proper documentation is provided
● Serve as an intermediary between external and internal parties to resolve disputes, negotiate and enact settlements accordingly
Remediation Analyst II
11/ 2013 to 08/ 2016
Wells Fargo Home Mortgage
Frederick, Maryland
● Ensure documentation is in compliance with internal company requirements, contractual terms and conditions, insurer guidelines, investor requirements, and government regulations.
● Experience identifying inefficiencies, finding opportunities to streamline business processes, and implementing change
● Created Job aides and assisted with streamlining processes and procedures.
● Responded to research and resolve escalated inquiries and complaints requiring special handling
● Functioned as an arbitrator in disputed matters, negotiations, and enacted settlements.
● Recommended and implemented changes in policy and procedures standards to close gaps in the Loss Mitigation
● Effectively managed a high volume of loans in a fast-paced environment while meeting deadlines of task while meeting deadlines of tasks assigned
● Assisted in the training of Non-Profit agencies on the accuracy of submitting a complete Loss Mitigation Package
● Strong oral, written, and telephone skills in communicating with external and internal partners, customer attorneys, title agents, real estate agents, and insurance agents
● Lead projects and worked with external partners to resolve issues to ensure required policies and procedures were in compliance with banking requirements
Home Preservation Specialist
11/ 2012 to 11/ 2013
Wells Fargo Home Mortgage
Frederick, Maryland
● Serve as the Single Point of Contact for delinquent borrowers and loans with imminent default while exploring retention options or liquidation option
● Experience identifying inefficiencies, finding opportunities to streamline business processes, and implementing change
● Created Job aides and assisted with streamlining processes and procedures.
● Educate borrowers on HAMP, Proprietary modification, Short Sale, and Deed-In-Lieu requirements and monitor the submitted documents
● Balanced an extensive pipeline of 100+ loans requiring outbound calls while equally manning inbound queues
● Strong ability to analyze customer financial information and recommend feasible solutions that will assist borrowers in remediating delinquency statuses
● A Single Point of Contact for as many as 100+ mortgagors tasked with the responsibility of working with the borrowers to obtain their financial information and any related documents that would be pertinent to a review of their mortgage terms for a possible loan modification or alternative options
● Maintained detailed records of my communication with the borrower or the non-profit agencies that they are working with to keep apprised of the current stage of review process
● Travel up to 25% a year attending workshops held by Attorney Generals and State Officials to assist customers with completing applications for keeping their homes and/or alternatives opitions Reviewer Signer of Affidavits
08/ 2009 to 12/ 2011
Wells Fargo Home Mortgage
Frederick, Maryland
● Reviewed and signed legal documents to ensure that government regulations have been followed to allow accurate foreclosure processing
● Corresponded with attorneys, and internal partners to communicate and correct any compliance findings
● Adhered to all federal guidelines and investor requirements to complete the foreclosure and Bankruptcy review process while identifying any issues or gaps in processes that may pose a risk to the company
● Executed Affidavit of Merit and OCA Documents signed off on New York Foreclosure Affidavits
● Prioritized files based on Foreclosure and Bankruptcy status as well as attorney requests
● Held a Vice President of Loan Documentation
Loan Servicing Specialist I
08/ 2009 to 05/ 2011
Wells Fargo Home Mortgage
Frederick, Maryland
● Effectively performed complex transactions and conducted extensive and varied loan research to respond to borrower inquiries
● Communicated and made concentrated efforts to solve customer problems verified documents needed for loan modification process
● Contributed to fulfillment of company and team objectives and goals
● Successfully defused escalated calls prior to supervisor involvement Skills
Proficient in Microsoft Word, Excel and PowerPoint, Fidelity,MSP,CPl,512, ICMP, Vendor Scape, SharePoint Site, LPS Desktop, Loan Image, Viewer, ERLMF, Spreadsheets, I AM, Web Query, Hope Loan Portal, GEM, CORE, See More Plus, Lexis Nexis, WCIS, Store Vision, Citrix Xen Platform, Deloitte’s Enterprise Case implementing Manager, Financial Crimes Platform (FCP) Hogan 018, Workflow, PYPP, Citrix, Account Analysis, Online Forms, WICE,UAR, SMH Prod, Clearing House, Cognos Report, UAM Proven excellent customer service skills and extensive Loss Mitigation experience Self-disciplined to achieve independently, and equally comfortable contributing as part of a team Strong organizational skills partnered with strong attention to detail Experience with reviewing Mortgages, Deeds of Trust, Assignments, Titles, HUD 1, Sale Contracts, Appraisals, and Foreclosure documents Insurance Policies, Income documentation, Evidence of filling, Formation documentation as well as W9, Tax documents, personal and business Tax Returns " Ability to build and maintain internal and external relationships " Strong analytical and research skills " Experience working FHA, Freddie Mac Fannie Mae, Community Lending Investment
(CLl)as well as Bank and Private guidelines and processes Experience with Business Banking Group and Anti- Money Laundering/ Counter Terrorism Payment Operations, J- Systems, and SWIFT alliance access Education
Thomas Johnson High School
High school or equivalent
Frederick, MD
2000
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