Compliance Analyst Operations Audit

RAY CASANO

El Paso, TX 915-***-**** adun6e@r.postjobfree.com linkedin.com/in/ray-casano-14659651

COMPLIANCE ANALYST

Results-oriented professional with proven experience in the Banking and Mortgage Industry. Demonstrated experience using analytics to form and influence strategy. Adept at generating and improving reports using databases and various reporting tools. A proven top producer with an outstanding work ethic, operational excellence, and process improvement focused. Core competencies

Regulatory Compliance Compliance Analyst Risk Management Quality Control Assurance Internal Audit Internal Controls Operations Project Management Consultant Accounts Payable and Receivable Financial Services Office Management Team Leadership Invoicing Loan Servicing & Processing Loan Reconciliation EXPERIENCE

Amerihome Mortgage Corporation (Remote) February 2021 - October 2022 Mortgage Compliance Analyst

Reviewed loan files to maintain compliance with federal and state regulations and investor guidelines for new construction, new home purchases, portfolio jumbo, expanded and express loans. Solid Understanding of TRID.

• Calculated income and reviewed tax returns, LE and CD.

• Partnered with internal and external partners with control testing attributes and auditing during regulatory examinations.

• Worked closely with Underwriting, Loan Officers, and Mortgage Consultants. NEW AMERICAN FUNDING GROUP, LLC MORTGAGE (Remote) August 2020 – December 2020 Mortgage Loan Specialist (Contract)

Worked with FHA, USDA, VA, FNMA, FHLMC, GNMA, Multi-properties, and Conventional Loans. Calculated income and reviewed tax returns, LE and CD.

• Processed both refinance and purchase loans with a pipeline of 40+ loans per month.

• Communicated with underwriting, Loan Officer, and Mortgage Consultants to understand the financial situation of the borrower.

• Provided excellent customer service by consistently following through with business partners and clients. ALTISOURCE June 2020 – July 2020

Mortgage QC Loan Review Analyst (Contract) (Remote) Worked with Government (FHA, USDA, VA, FNMA, FHLMC, GNMA, Multi Properties) and Conventional Loans. Oversaw the setup and fulfilment of new mortgage loans submitted.

• Tracked and monitored associate’s performance on a daily, weekly, and monthly basis.

• Assigned queues, monitored schedules and volumes, and quality trends.

• Communicated with underwriting, Loan Officer, and Mortgage Consultants to understand the financial situation of the borrower.

ALORICA February 2019 – November 2020

Bankcard Customer Support Specialist (Contract)

Processed credit card applications, customer service, administration, and credit card application deliverables.

• Reviewed and researched disclosures to ensure they complied with federal and state policies.

• Monitored functions, recognized, and identified trends.

• Tested business materials and completed product samples.

• Escalated findings and issues to senior management. RAY CASANO adun6e@r.postjobfree.com PAGE TWO

MILLS ESCROW COMPANY May 2018 – November 2018

Escrow Office Manager

Managed a team in the Escrow Account Servicing Office. Provided account servicing customer service, prepared demand letters. Updated master files, set up web servicing.

• Prepared and processed payments, controlled expenses, Accounts Payable, Bookkeeping, and set up new accounts, verified reconciling accounts.

• Posted accounts, billing, adjustments to accounts, vendors, collections, escrow, credit, title, insurance, appraisals, property valuation and prepared year-end 1098 and 1099 forms.

• Delegated assigned duties and priority assignments for the day. CLAYTON HOLDING April 2016 – September 2017

Remote Mortgage Compliance Underwriting Analyst

Loan Processing Compliance Analyst, capturing data regarding loan transactions, analyzing, and capturing. HUD fees for state and federal testing. Managed workflow for multiple projects.

• Identified potential issues with the underwriting administrative process.

• Audited documents given review documents files and valuation due diligence results.

• Evaluated and conducted detailed analysis.

TRELIANT RISK ADVISORS January 2016 – April 2016

Regulatory Compliance Loan Auditor

Service members Civil Relief Act (SCRA) TRID to Review Military disclosures, Loan Processing to perform assessments and audit functions in accordance with the company's compliance program.

• Ensured the client was complying with various mortgage related federal and state regulations.

• Monitored compliance with law regulations and polices. BANK OF AMERICA August 2010 – July 2015

Quality Control Assurance Team Lead, 2013 – 2015

Managed a team of quality assurance associates. Reviewed team associates’ documents to ensure accuracy of information and verified presence of all required documents.

• Regulatory Compliance with federal and state law.

• Ensured company standards were met.

• Recommended adjustments, findings, identified trends, and due diligence. Mortgage Team Lead Manager Loan Processor, 2010 – 2013 Managed team of 30 to 40 Loan Processors, in addition Loan Processing Trainer Legacy Asset Servicing. Worked with Government (FHA, USDA, VA, FNMA, FHLMC, GNMA, and Multi Properties) Conventional Loans, refinance, new purchases, and Loan Modifications.

• Oversaw the setup and fulfilment of new mortgage loans submitted.

• Reviewed team associates’ Salesforce pipeline based on production.

• Demonstrated ability to analyze and interpret financial data. EDUCATION

United Mortgage and Banking & Business Law, Long Beach, California Vocational School Business Management & Business Administration, Oregon State University, Corvallis, Oregon Accounting/Finance, Linn-Benton Community College, Corvallis, Oregon MILITARY EXPERIENCE

United States Navy – Honorable Discharge

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