Loan Processor Compliance Specialist

Althea Stewart

**** ********** ****** *******, ***** Carolina,

***** 718-***-**** *******@***.***

Regulatory Analyst/ Compliance Specialist

Being an astute and well experienced professional in being a Regulatory Analyst/ Compliance Specialist. knowledge with more than 18 years experience of residential mortgages and 4 years experience in regulatory compliance while proactively identifying the compliance risks in evaluating corporate regulatory issues while refining existing policies and procedures to minimize compliance failures and giving actionable guidance to remedy deficiencies found. CAREER PATH

Kindred Hospice: 02/2022-Present

I am the key support and analyst who provides enrollment credentialing processes, which directly impacts the company's ability to pay for services rendered. The duties includes agencies and staff enrollment and accesses, completing applications for state and city renewals such as Bio Medical Waste, Clia, Certification for renewal business licenses, an increasingly complex regulatory environment defined by the different agencies and Branches to be in compliance with, Department of Health, Centers for Medicare and Medicaid standards. Also stay up to date with internal policies and procedures and managed care plan requirements. I am responsible for auditing data entered in the Credentialing database for completeness, accuracy, consistency, gaps, etc. . I have to ensure our agency stays up to date on all license renewals and applications. Stays abreast of compliance laws and regulations.adhere to all applicable Federal and State Regulations that govern the healthcare system.

First Guaranty Mortgage Corporation:

Compliance Review Specialist:11/2019- 02/2022

Reviews, establishes and reviews policies to prevent or identify illegal, unethical, or improper business practices. May lead or oversee direct or indirect execution of activities to comply with the Bank Secrecy Act, AML, USA PATRIOT ACT and Sanctions Program. Constructively challenges conclusions/status quo. Exhibits confidence and credibility with service partners, business leaders, customers, regulators, and auditors. Updating or implementation of new/enhanced processes in order to ensure timely and effective compliance with new regulatory requirements.Support key business initiatives by identifying AML and Sanctions risks and providing resolutions to manage these risks. Works cooperatively with the business, legal partners, audit and other risk disciplines across the organization.decisions and able to leverage that information in creating customized customer solutions.

Interfirst Mortgage: Compliance Specialist

11/2018-11/2019

Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy.

Anti-money Laundering Policies and Procedures – Knowledge of and ability to prevent or report money laundering activities in banking and finance services. Audit and Compliance Function – Knowledge of and the ability to manage the major responsibilities, accountabilities, and organization of the Audit and Compliance (A&C) function.

Auditing – Knowledge of an organization's internal audit processes, practices and methods.

Fraud Management – Knowledge and ability to detect, correct and prevent fraudulent activities.

Internal Controls – Knowledge of and ability to create, implement, evaluate and enhance processes in internal controls.

Problem Solving – Knowledge of approaches, tools, techniques for recognizing, anticipating, and resolving organizational, operational or process problems; ability to apply this knowledge appropriately to diverse situationsAnalyzes high risk wire transaction activity and provides due diligence in investigative case analyses utilized for SAR preparation and filing for financial crimes.

Investigated individual and corporate financial activities suggestive of possible anti-money laundering.

Reviewed wire transfers for correspondent clients to ensure compliance with the U.S. Treasury, Department.Office of Foreign Assets Control and Anti Money Laundering regulations.

Identified unknown, foreign entities and/or adverse information in association with said entities by searching internal data, public domain, LexisNexis and other available sources.

Engaged in due diligence reviews to detect patterns, trends, anomalies and schemes in detailed transaction reviews.

I have to monitor the changes in laws and regulations in keeping with policy and procedures which includes the servicing of the various products within the industry for state and federal laws along with international citations on various products provided with the Lender. Review and maintain the current compliance monitoring program and update the leadership team accordingly.

. I have to comply with the changes in the regulatory and investor requirements while working with the appropriate business units in integrating the requirements of the policies and procedures into the business process.

Effectively Reviewing the differences between Domestic and international Major compliance Requirement MCRS/Citations with applicable laws, regulations, clients and investors guidelines and provide the legal department and other department teams with clear guidance to remedy any citations and deficiencies found.

Monitor all investors directives and regulatory updates and provide feedback on actual and pending changes.

Proactively identify the compliance risks, evaluate corporate operations for the regulatory and develop and refine existing policies and processes to ensure that the company exposure to compliance failures is minimized.

Bank of America HSS 11 07/2012-11/2018

Senior Loan Processor/Underwriter level 2

Responsible for clearing conditions and issuing changes to the terms on previously approved loans opening escrow, ordering title reports requesting information as needed eg. Homeowners insurance to complete the loan process

Update title conditions working alongside with the loan officers title companies and customers to resolve pending conditions and stipulations. Review the documents for compliance and loan offers, coordinate with the buyers sellers escrow agents, surveyors and real estate agents to obtain additional docs required to complete the loan submission and prepare for loan closings. Maintains and updates the systems with updated information and issues the various disclosures required by the federal regulatory compliance and reviews and stays up to date with rate locks for accuracy.Responded to customer inquiries and requests and resolved issues efficiently and professionally

Managed multiple priorities and maintained effective results in a quota driven environment while maintaining up to date pipelines.

Strong customer service skills with the ability to manage difficult conversations to a successful outcome and a positive customer experience. E D U C A T I O N & A W A R D S

University of the West Indies

Diploma in Computer Science

Binns Business College

Telephone Operating /Customer service Rep

Quality Excellence Award

Highest recognition received from various departments for being Top Producers Monthly for my total dedication

to customers and outstanding performance

Loan officer certification

Skills:

Loan Processing Systems ( Edge, Status Mart LPS, Excel, Word, Encompass, X Doc Insight etc., Lexis Nexis. Experian, UCS, Factual data, Credco

PC Software Skills Excel, Word, PowerPoint

Fannie/Freddie Jumbo loans (Conv/FHA/Non-Conforming Loans)

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