Professional with 5+ years in the financial services field with companies such as Bank of America, Nation Star and Pacific Union Financial. Strong analytical skills with an understanding of accounting, budgeting, forecasting and Claims.
Performed research, evaluations, studies, and analyses while at Carlisle & Gallagher
Reviewed accounts, research documents and system notes, and use independent decision-making skills to determine the best course of action to correct account issues and contact customers
Demonstrated organizational skills by planning and directing administrative functions to meet time-critical deadlines, Documented MSP.
Performed duties as assigned or requested such as quality control.
Verified pre-and post-petition payments are posted correctly to ledger
Excellent verbal and written communication skills
Monitored potential fraud risk. Researched financial statements. Took over 60 inbound calls per day.
Proficient using Microsoft Office Suite, SharePoint, and AS400
In-depth knowledge of the laws applicable to money laundering, to include the BSA,
Profound knowledge of The Patriot Act, U.S. Treasury AML guidelines, Bank secrecy Act
Reviewed Risk Management database reports for compliance and fraud prevention and reported all suspicious activities. Adhere to all TRID Guidelines. Applied Strategies for Targeting to Marketing Projects
MS Office, AS400, MSP, Aacer, RemedyStar, LSAMS, Yardi Systems, Black Knight, MERS, DRI, HSSN, DU/LP, HMDA Checklist, Compliance Ease, Early Check SharePoint, Fidelity, iPortal, LPS Desktop, BAPS, CoreLogic, Wintrack, Ocie, Home Saver, VendorScape, LexisNexis, SharePoint, Microsoft word, Microsoft Excel, Microsoft Power Point, and Microsoft Office
Claims Specialist 07/2017- Present
Quality Inspect ordered reviews and follow-up on inspections/preservation work according to established guidelines
Gathered and analyzed previously incurred loan level servicing expenses.
Researched loan history and gathered documentation and other information required for negotiations.
Completing complex calculations
Prepared final claims/recovery packages.
Providing support for rebuttals
Advise Hazard Insurance Dept. of risk changes and damaged properties
Complete required form and submit over-allowable bids and extensions for approval
Review and process invoices, including ensuring proper approval were received and disputing incorrect charges.
Research and respond to customer complaints and violations notices
Research address discrepancies and convey any and all findings
Complete required forms and register vacant properties according to city ordinance
Carlisle & Gallagher Consulting Group February 2014 - February 2017
Identified significant audit and review findings, trends, and patterns. Reported and processed daily and monthly reports.
Researched and reviewed pertinent federal laws and Comptroller General decisions
Accurately analyzed financial statements.
Performed research, evaluations, studies, and analyses reports.
Examined the loan files to ensure accuracy with the borrower's closing costs i.e. net to lender, third party fees, etc. on the RESPA forms and TRID documents
such as money laundering: BSA, AML, OFAC requirements, SAR requirements, and financial crimes
Reviewed and identified suspicious activity and prepared SARs reports
Conducted agent level audits ensuring correct steps of the processes are being adhered based on a pre-defined checklist. Responded to all customer calls.
Generated daily reports for auditing & clearance of conditions to allow the following documentation (1003, Assets, Credit Reports, Tax Transcripts
HOA. Appraisals, HUD-1, RESPA, TIL and Good Faith Estimate (now TRID) to be pre-approved by underwriting and approved by closing
Worked with Project Sponsors, functional managers, technical analyst and other IT resources to create and manage the scope, goals, schedule and deliverables to complete the project
Bank of America November 2013 - February 2014
Bankruptcy Compliance Analyst
Reviewed POC (proof of claim) for accuracy,Monitored MFR (motion for relief) and bar dates
Conducted legal research, reviewed documents, correspondence and pleadings
Assisted with staffing, monitored and evaluated the team's performance and the daily operations duties
Mitigated loss and legal risk to the company and to investors by accurately managing the bankruptcy process and obtaining relief from bankruptcy on non-performing loans
Created job aids to provide insight on how to examine (1003, Assets, Credit Reports, Tax Transcripts, Appraisals, HUD-1, TIL and Good Faith Estimate (now TRID)) and correlate it within policy and procedures
Verified pre and post-petition payments are posted correctly to ledger
Processed and Submitted Reaffirmation documents for chapter 7 customers via LPS
Obtained financial statements and make recommendations for account modifications to ensure the ability of customer to maintain their mortgage accounts
Zingenuity June 2012 - August 2013
Loan Compliance Processor
Responsible for automated loan processing of Fannie Mae/Freddie Mac and Agency Jumbo loans
Reviewed file for RESPA violations and ensure file is in compliance and fees/APR's are within tolerances
Responsible for requesting copy of the borrower's homeowner's insurance, HO6 Policies if property is a condominium, ordering flood insurance, Master Policy, if applicable along with correct Mortgagee clause
Validated that all Underwriter/Loan Prospector conditions are met with supporting requirement
Utilized Compliance ease, Stm Partners and MLCS, AS400, iportal, MSP and LPS
Evaluated credit decisions for accuracy based upon established risk parameters and in accordance with policy, and product guidelines
Identified transaction components that indicate a potential for fraud and perform sufficient
GACC February 2010 - November 2011
Reviewed accounts, research documents and system notes, and use independent decision making skills to determine the best course of action to correct account issues and contact customers
Reviewed DTI and other requirements for qualification of loan
Maintained compliance with FNMA, Freddie Mac, and numerous private investors' guidelines
Evaluated borrower's financials and manually calculate frequency of pay as well as review bank statements, tax returns, credit reports, and applicable ratios (debt ratios, loan-to-value, NPV)
Reviewed accuracy of documents to determine compliance to federal and state guidelines
Multitask through different systems: AS400, Home Saver, MSP and Microsoft Outlook
Columbia College- Bachelor's Public Administration