Mortgage Specialist Customer Service
Resume:
DAVID DUQUE
adrtz1@r.postjobfree.com
I’ve been in banking for 14 years with 5 years of Auditing and testing experience. I’ve worked for Bank of America and
have recently had the opportunity to provide my expertise in regulatory compliance policies and procedures at Cathay
Bank and Pacific City Bank and major accounting firms.
Career objective
To obtain opportunities to further develop my professional and personal growth, and to support with building a legacy of strong financial acumen, linked to a solidified banking infrastructure.
Experience
MBO Partners - Los Angeles, Ca
AML/BSA January 2022– April, 2022
• Responsible for investigating complex suspicious activity cases, conducts enhance due
diligence (EDD) or client exit reviews from a quality and control perspective
• Conducts timely investigations that adhere to all regulatory requirements and/or Bank policies
and procedures including know your customer (KYC), Office of Foreign Assets Control
(OFAC) and Sanctions, Anti-Bribery and Corruption (ABC) / Code of Ethics and USA Patriot
Act and Bank Secrecy Act
• Responsible for preparing and filing Suspicious Activity Reports ("SAR") on behalf of the.
Client
• Ensured BSA and AML is held up to company standards to maintain consistent Bank Secrecy
Act, anti-money laundering and OFAC regulations.
• Focuses on customer behavior as it relates to anti money laundering (AML)-related suspicious.
activities and complex cases such as multiple relationship accounts, tiered and multi-faceted
transactions, international wires involving bank designated high risk jurisdictions, and
complex cash structuring schemes
• Analyze financial transactions from personal and business accounts to ensure transactions are
conducted in accordance to bank policies and minimize financial risk.
Millennium Software Inc-Los Angeles, Ca
Regulatory Senior Financial Advisor Consultant August 2021– December, 2021
• Determine whether internal controls effectively prevent or discover material misstatements
during testing phase
• Participate in and/or lead the development of deliverable content that meets the needs of the
client.
• Provide financial analysis related to client MRA (Matter Requiring Attention) as set forth by
regulators and
• maintain banking compliance.
• Anticipate client needs and formulate control solutions in accordance with established
guidelines or
• specifications by both industry regulations and government.
• Review deliverables for accuracy and quality though a QA process to ensure high quality
deliverables.
• Provides direction and coaching to junior staff.
• Perform project tasks independently to achieve regulatory remediation
• Create business process control plan to enable employee understand the procedures, tasks, and
goals of the company
• Contributes to new operational and business risk proposals for project development.
• Manage my own progress and development meanwhile seeking opportunities for professional
growth and expansion of consulting skills and experiences.
Pacific City Bank-Los Angeles, Ca
Anti-Money Laundering (AML) Analyst July 2020–March 2021
• Identified deficiencies in its Bank Secrecy Act (BSA) and anti-money laundering (AML)
compliance programs that were the subject of regulatory order.
• Ensured BSA and AML is held up to company standards to maintain consistent Bank Secrecy
Act, anti-money laundering and OFAC regulations.
• Analyze financial transactions from personal and business accounts to ensure transactions are
conducted in accordance to bank policies and minimize financial risk.
• Conduct Enhance Due Diligence (EDD) to identify greater level of scrutiny of current and
potential business partnerships and risks that cannot be detected by Customer Due Diligence.
• Identify financial transactions linked to crimes including money laundering, terrorism
financing, organized crime, child exploitation and tax evasion.
• Performed financial transactions including wires, money transfers, currency exchange business
transactions.
Cathay Bank -Monterey Park, Ca
Anti-Money Laundering (AML) Analyst June 2019–June 2020
• Maintains a current knowledge of Bank Secrecy Act, anti money laundering and OFAC
regulations.
• Execution and implementation of projects, processes and initiatives with Audit Team to
introduce changes to existing framework.
• Conducts enhanced due diligence reviews, and auditing timely submissions of all reports.
• Addresses alerts generated by AML software in accordance to established procedures.
• Prepares Suspicious Activity Reports (SAR)
• Interface with branch/lending staff to obtain information related to their clients transaction
activity.
• Work with internal FCIU groups to ensure consistent understanding of requirements.
• Provides training, coaching and reviews the work of other investigators.
• Participates in the development of financial crime strategies within the department and
regulators.
• Conduct treasury services through correspondent banking and facilitate foreign exchange,
manage international trade and finance on behalf of foreign banks.
Bank of America-Simi Valley,Ca
Senior Business Control Testing and Auditing 2017-2019
• Focuses on five integrated components (Control Environment, Control activities, Information
and Communication, Monitoring Activities) of internal controls to mitigate financial risk and
negative exposure.
• Identify and investigate accounts and services as unauthorized (opened by an employee and or
third party) during the opening routine process.
• Led investigation process: gathered evidence-call recordings, documentations and account
history to remediate and correct any wrongdoing done to our customer.
• Reduce and minimize risk and help customers avoid financial loss.
• Participate in special projects such as business control testing and auditing to identify area of
opportunity
• Project planning and project budgets, work plans and multi-year forecasts.
• Coordinates with other operating departments on sustainable business control and corporate
governance
Bank of America - Simi Valley, Ca
Operations Analyst 2012-2017
• Create risk control self-assessment for management and employees to stay within governance
while reducing negative exposure.
• Balance workload between We Can Deliver, Escalate ECR, Attorney General, Legal,
BBB, CEO complaints
• Create business process diagram to depict business activities.
• Create daily and monthly reporting while looking for areas of improvement within line
of business.
• Relationship building with associates, management (all levels) and partners of organization.
• Investigate enterprise front line units' employees and vendors to ensure appropriate adherence
have been taken in accordance to the Enterprise Process Oversight (EPO).
• Review and evaluate employees' job performance, and effectively recommend personnel action
as needed.
Bank of America - Glendale,Ca
Mortgage Negotiator 2009-2012
• Negotiated all contracted rates with customer and facilitated settlement transactions.
• Reviewed customer loan to value ratio and provided loan modification solutions to customer
and authorized third parties. (Underwriting)
• Partnered with Making Homes Affordable (MHA) and non-government entities to negotiate
customer delinquent accounts
• Primary contact in credit and delinquent patterns with MHS/FHA Programs.
• Facilitated NEW HIRE on boarding.
Bank of America - Glendale,Ca
Mortgage Specialist II 2008-2009
• Selling mortgage product: HELOC, Mortgage Solutions
• Resolved delinquent concerns on borrowers accounts and addressed Escrow concerns by
reassessing payment options.
• Co-facilitated new hire training, provided support to managers on additional accounts.
• Lead on loan processes for all mortgage files.
Bank of America - Glendale,Ca
Banking Customer Service and Sales 2008-2008
• Open checking and saving accounts.
• Effectively converting customer to open credit cards to enhance customer experience.
• Upheld all Banking regulations, staying in accordance with FDIC and banking guidelines.
• Participated in group meetings, stretch assignments (lead on special projects) and town hall
meetings
Impact
• During my time at Cathay Bank I created policies and procedures for Crypto-currency related
activity to identify any red flags.
• Influenced a new implementation of policies and procedures as part of daily AML review to
minimize risk to the institution and customer, given that it is a new financial instrument.
Achievements
Glendale Community College
Business Administrative /Future Degree
(HOLA) Hispanic/Latino Organization for Leadership and Advancement-Employee Engagement Chair
LEAD for WOMEN-Leadership, Education, Advocacy & Development for WOMEN
(IGEN) Inter-Generation Employee Network
Tools:
SAR REPORTING
SHARE POINT
HOME SAVER
CRM TOOL
IBS
INTERACT
DMP
HOME SAVER
WORD
HOME BASE
CROSS
CONTENT NAVIGATOR
BASS
SAR
HOME BASE
EXCEL
ABS 400
CFPB PORTAL
SOLUTION CENTER
CIWI
HOME BASE
ABS 400
POWER POITN
SIEBEL
COMMIT
LEXIS NEXIS
ICDP
ABS 400
SIEBEL
OUTLOOK
LPS
MERLIN
VISION CONTENT REPORT
FILENET
SIEBEL
LPS
BAM PLUS
LEXIS NEXIS
CTR
PARC IMAGE
BLAST
LPS
LAMP
BSA
VISION CONTENT REPORT
SYNERGY
CENTRE
BLADES
LAMP
CRM TOOL
SQL
IBS
PARC IMAGE
INTERACT
EDD
EDD
SHARE POINT
CROSS
CONTENT NAVIGATOR
CENTRE
BASS
SWIFT
SWIFT
WORD
CFPB PORTAL
SOLUTION CENTER
EDD
CIWI
COMPLIANCE LINK
COMPLIANCE LINK
EXCEL
COMMIT
LEXIS NEXIS
SWIFT
ICDP
SHARE POINT
SHARE POINT
POWER POITN
MERLIN
VISION CONTENT REPORT
COMPLIANCE LINK
FILENET .02
ODIN
ODIN
OUTLOOK
CTR
PARC IMAGE
SHARE POINT
BLAST
DMP
DMP
BAM PLUS
SYNERGY
CENTRE
ODIN
BLADES
BSA
SAR
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