LOUIS A. STORO, CRCMP

ado4bc@r.postjobfree.com 203-***-****

Certified Risk & Compliance Analyst Professional

Retail Bank Mortgage Loan Underwriter & Operations Specialist Well accomplished Compliance Risk Analyst, experienced in regulatory Compliance Risk Management, Business and operational risk in retail banking, credit unions and financial organizations. Specialized expert with knowledge of all applicable banking and financial compliance regulations. Skilled at testing and monitoring accounts and reports to identify specific transactions and patterns of transactions which may present increased risk of money laundering activity within the financial organization, and report those activities that are deemed suspicious. Committed to be highly focused, well organized to maintain a working knowledge of all applicable banking regulations set forth by the OCC, NCUA, FINCEN, Federal Reserve Bank, Office of Thrift Supervision, FFIEC, Glass-Steagell Act, FDIC UDAAP, ECOA, TILA, EFTA and TISA. Subject Matter Expert regarding all banking regulations, experienced at writing new and developing revised versions of Compliance Plans, Policies and Procedures; LOB Departmental Policies and Operational Procedures to ensure safety and soundness of the bank or financial organization. CORE COMPETENCIES

w All OCC & NCUA Regulation Requirement Expert w CRA, HMDA LAR Scrubs Reviews and Reporting w AML - Sponsor, Counterparties, Beneficial Owners w Project / Audit / Risk Management Expert w BSA/AML/ID Theft Monitoring and SAR Reporting w SME - Liaise Internal/External Stakeholders w KYC, CIP, CDD & EDD, OFAC Expert w Retail Branch Operational Risk Audits w Business Lines Compliance Risk Assessments

w SharePoint, Crystal, Business Objects Reports

w Online Banking Systems Expert

w Microsoft Word, Excel and PowerPoint Expert

w Flood Regulatory Loan File - Quality Control

w Data Compilation & Record Retention Expert

PROFESSIONAL EXPERIENCE

Certified, Licensed and E&O Insured Loan Documents Mobile Notary Public 11/2016 - Present Notary Pubic, State of Connecticut

• A public official appointed by the Secretary of the State through the power vested in the Secretary by state law. The notary has the power to administer oaths, take acknowledgments and perform other duties as permitted by law.

• Perform duties of a notary to help prevent fraud by witnessing the signing of documents and verifying their authenticity.

• Meet with clients on behalf of lenders, attorneys and title companies; witness, notarize mortgages, car loans, to will and powers of attorney.

The Money Source, Endeavor America, Melville NY 9/2015 – 3/2017 Underwriter / Auditor, Post Closing Loan Department w Worked remotely from my home office - perform detailed regulatory audits on Wholesale, Correspondent and Portfolio Retention loans

w Full knowledge of underwriting guidelines of all FHA, VA, USDA, and Conventional financing w Master of DU, LP and all underwriting systems

w Expert at gathering all necessary documentation to underwrite active loan pipeline w Expert auditor of pre-closed and closed loan files of all types Robert Half Management Resources, Continuity Control, New Haven CT 6/2014 – 3/31/2015 Auditor, Audit Operations

w Perform store process audits on site for the compliance department based on prioritization performed by the Compliance Manager based upon issues identified through regulatory examinations, complaints and other sources w Ensure procedures regarding lending operations and compliance are being met according to company guidelines, policies and other company controls

w Complete predetermined and customized audit checklists to identify procedures that pose risk in violating applicable municipal, state and federal regulations, especially those that can result in fines or civil money penalties w Examine issues within remote audit practices such as collections, potential unfair, deceptive or abusive acts and practices and disparate treatment during any portion of a credit transaction w Through observation and process experience, develop recommended action plans to reduce or eliminate future risk of violations and subsequently audit for successful implementation of these plans according to a predetermined or tailored schedule

w Identify further needs for training, compliance, operations or process improvements that will support in the future audits w Provide an independent compliance audit function recognized by regulators as an industry best practice ITech US - General Electric Capital Americas, Norwalk CT 12/16/2013-04/04/2014 AML Analyst, Financial Crimes Compliance Unit

w AML/BSA/KYC/CIP/CDD/EDD/ID Theft, Fraud and requisite regulatory requirement expert. w Onboarding Analyze customer relationships, documentation, activity patterns, and transactions to detect potential suspicious activity through the bank’s monitoring systems.

w Ensure that assigned processing is performed according to the standards set forth by the Bank in addition to government and industry regulations and proper record keeping is maintained for all suspicious activity processes. w Review and Complete Onboarding Workflows Customer Risk Rating. /Data Integrity testing and monitoring expert. w Perform Analysis with research databases (such as LEXIS/NEXIS, D&B, Bridger, Westlaw). Prudential Connecticut Realty / Berkshire Hathaway Home Services Wallingford CT 8/1990 – 10/2013 Realtor / Sales Associate

w Well skilled in negotiations between sellers and buyers. Prepare listing agreements, sales contracts, manage advertising and work with prequalified customers with local mortgage originators and title companies. Attended real estate closings to ensure clients and customers satisfaction. Residential / Real Estate / Commercial / Commercial Property / Regulatory Submissions w Received Client/Account file(s) to ensure that all data and documents are complete. Reviewed KYC/CIP documentation such as Wills, Letters of Trusteeship, Will to Probate, Corporate Resolutions, Articles of Incorporation, Partnership/Operating Agreements, Trust Agreements and a wide range of regulatory documents needed for KYC. w Investigated all unusual and/or suspicious activity identified by the AML/BSA Compliance department. Focused high on maintaining working knowledge to stay abreast of all applicable regulation set forth by the OCC, FINCEN, Federal Reserve Bank, Office of Thrift Supervision, FFIEC, Glass-Steagell Act FDIC, HMDA, Truth in Lending Act, FCRA and CRA. Webster Bank, N.A. 8/2007 – 6/2010

Corporate Compliance Risk Management Team Member, New Britain CT w Responsible for testing and monitoring and reporting adherence to ALL applicable regulations to retail banking financial corporation. FCRA, FDPA, Reg B, Reg E, Reg CC, Reg D, Reg Z, HOEPA, SCRA, UDAAP, SAFE Act, GLBA, FDCPA, RESPA, Dodd Frank, HMDA, TIL, KYC, CIP, CDD, EDD, CRA, BSA, OFAC, AML, ID Theft. w Regulatory Compliance Risk Analyst at Webster Bank’s Business & Professional Banking lending division. w Conducted testing and monitoring of IT department and internet online banking, performed credit analyses and conducted quality control reviews of simple and complex business and commercial loans in a 10,000 loan portfolio w Assists management with requests from internal auditors or examiners as needed w Effectively integrate business, operational, technological, and financial components into audit work performed. w Project Management skills - directed the overhaul, quality control auditing function – implemented all applicable regulations to the Webster Bank Affiliate, Budget Installment Corporation (Insurance premium finance company). w My research, detailed in daily, monthly, quarterly and annual reports, contributed to the overall completeness of the Enterprise- wide Risk Assessments for Regulatory Compliance with all applicable regulations. w Quality Control/Data Integrity testing and monitoring of Online Banking Website. Webster Bank, N.A

Compliance Risk Analyst, Cheshire, CT 4/2006 – 8/2007 w Conduct Quality Control, for IT department and portfolio analysis, pre-funding and post-closing loan file audits and reviews. w Specialized in CRA and HMDA audits of thousands of loan files and reported results to management and internal Auditors. w Liaison between the Compliance Risk Management Team, Line of Business Officers and Internal Auditors. w Monitor accounts and reports to identify specific transactions and patterns of transactions which may present increased risk of money laundering activity within the Bank, and report those activities that are deemed suspicious to the AML Officer w Desktop Underwriter and Loan Prospector. Ensured that FNMA/FHLMC guidelines were met. w Perform HUD-1/Truth-In-Lending audits; analyzed legal documents for accuracy. w Assists management with requests from internal auditors or examiners as needed. w Performed analysis of thousands of loan files for adherence to specific applicable Compliance Regulations and reported TRAINING & CONTINUING EDUCATION

Achieved Certified Risk and Compliance Management Professional, CRCMP April 2013 Years of extensive employer paid training for enhancement of Regulatory Compliance Risk Management knowledge Completed Century 21 real estate courses, annual continuing education; Member of NAR, CBR and NHBR McArthur High School, Hollywood, Florida; Specialized in Business and Distributive Education Courses (DECA Attended Prospect Hall School of Business in Hollywood FL - majoring in Business Administration

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