Mortgage Underwriter Compliance Investigator

AMIA BARRETT, CFE, CAMS

Certified Fraud Examiner

Certified Anti-Money Laundering Specialist

Jacksonville, FL 904-***-**** ***********@*****.*** Experience

GUARANTEED RATE

Lead Fraud Investigator, Jan 2020 - Present

● Perform, with a high degree of accuracy, fraud investigation audit reviews of mortgage loan files adhering to AML/BSA, Sanctions and applicable Agency and regulatory requirements

● A suspicious activity reports (SAR) is written and filed with FinCEN when required

● This review includes an Audit of all documentation, enhanced CDD/KYC for accuracy and compliance adherence

● Designed and implemented a risk-based regulatory compliance monitoring & testing framework to provide independent, risk-based monitoring and testing of a new Compliance program Oversee third party vendor relationships that support BSA/AML & OFAC compliance

● Subject matter process expert in OFAC compliance processes

● Demonstrated a proficiency in interpreting laws and regulations to effectively communicate that information to management

● Complete new hire and continuing training for all team members (team of 18 associates) JPMORGAN CHASE N, NEWARK, DE

Compliance AML Investigator, Jul 2019 - Nov 2019

● Independently manage and disposition AML alert using One Touch procedure including creating and maintaining investigation documentation, including alert, investigation, or Suspicious Activity Report (SAR) history; Know Your Customer (KYC) information; relevant account and transaction monitoring data; plus any other required information for the investigation

● Disposition and fully document all alerts, cases and SARs, including supporting data, analysis and rationale for disposition, within the case management system in a timely manner and in compliance with regulatory guidelines Meet or exceed all departmental quality and productions standards

● Second level review of Customer on-boarding procedures including CIP, CDD, and EDD AMERICAN MORTGAGE CONSULTANTS, NEWARK, DE

Compliance Investigator, Apr 2016 - Jul 2019

● In-depth data analysis of investors business documents including cost analysis multi-unit property evaluations, Rent Rolls, P&L statements, Business tax returns

● Monitored and analyzed mortgage transactions and current Real Estate transactions in investigation of suspicious and money laundering activities that may include, but are not limited to Bank Secrecy Act (BSA), anti -money laundering (AML), violations, currency structuring and terrorist financing within a given time frame

● Prepared supporting documentation for specific SARs as requested by various law enforcement agencies via subpoena

● Communicated written and verbal findings of trends, data through self-created dashboards and reporting analysis for project leaders, senior management and client representatives

● Provided feedback on procedure & process deficiencies and/or improvements on a product level to various clients

OPUS CMC, JACKSONVILLE, FL

Sr. Compliance Review Analyst, Aug 2015 - Jan 2016

● Performed in depth forensic underwriting review of closed residential and commercial mortgage loan files for compliance with applicable laws and specific lender guidelines with an emphasis on US Anti -Money Laundering (AML) investigations and buy-back/put-back possibilities

● Performed in-depth due diligence research such as verifying fraud alerts, know your customer (KYC) research, create and maintain investigation documentation risk assessments, suspicious activity reports (SAR), updates of Continuing Activity Reports (CAR) research

● QA review of all mortgage approvals and denials from level I & II front line underwriters to ensure inheritance to all applicable Governmental compliance laws

DIGITAL RISK, JACKSONVILLE, FL

Forensic Review Analyst, Mar 2013 - Jan 2015

● Managed a group of government and conventional underwriters to ensure mortgage loans are underwritten in compliance with underwriting guidelines and state and federal reporting guidelines (FinCEN, Patriot

● Act, RESPA, FNMA and FHLMC)

● Advance team responsibilities of reviewing complex self-employed income documentation, Investment Products, RE Investment portfolio, P&L's, Rent rolls, tax returns, collateral evaluations on residential and multi-unit properties, bank statements, completing AML investigations on escalated loans, and completing SARs when required

● Performed in depth forensic underwriting review of closed mortgage loan files for compliance with applicable laws and specific lender guidelines with an emphasis on buy-back/put-back possibilities WELLS FARGO, MAITLAND, FL

Consumer Loan Underwriter, Jan 2012 - Mar 2013

● Analyzed credit data and financial statements to determine the degree of risk involved in extending credit or lending money

● Approved loans within specified limits and refer loan applications outside those limits to management for approval

● Prepared reports that include the degree of risk involved in extending credit or lending money

● Money Laundering Investigator, Mortgage Underwriter and Reporting Analyst BANK OF AMERICA, NEWARK, DE

Money Laundering Investigator, Mortgage Underwriter and Reporting Analyst, Jan 2000 - Mar 2007

● Investigated suspicious financial activity that is identified by governmental agencies, such as: ICE, ATF, Secret Service, FBI and IRS

● Identified portfolio risks resulting from the client's underlying business practices, underwriting, and/or fraud exposure

● Conducted financial forensic investigations on AML cases involving complex transaction patterns

● Provided feedback, input and suggestions on AML (Anti-Money Laundering) and Know Your Customer

(KYC) issues, acting as a subject matter expert on the operations and processes to streamline and improve function effectiveness

● Reviewed Mortgage loan files for completeness and accuracy including but not limited to, calculation and verification of income & assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, VOE, tax returns divorce decrees, and other loan pertinent compliance documentation Additional Skills

• 15 Years of Financial Compliance

• Demonstrates strong, dynamic leadership

• Exert a positive influence on the organizational climate

• Experienced in developing compliance program and testing procedures

• Project Management

• Series 63, 65, & 66 (inactive)

• Expert in use of Microsoft Office

• Applicable knowledge of laws such as ECOA, FCRA, TILA, FDCPA, GLBA, HIPAA Certifications

• Certified Fraud Examiner

• Certified Anti-Money Laundering Specialist

References

References available upon request

Contact this candidate