JACQUELINE NAMPEERA

Irvine, CA ***** C: 949-***-**** adwajb@r.postjobfree.com

Highlights

Bachelor of Science in Management

** ***** ** *** ******** financial industry

Proven understanding of regulatory oversight regarding the mortgage industry, including but not limited to: TILA, RESPA, ECOA, HMDA, Bonds, Fair Lending and UDAAP

Extensive knowledge of new TRID Rule: The Loan Estimate, Closing Disclosure, new Timing Requirements, and Changed Circumstances.

Strong communication and organization skills

Proficiency in reviewing and implementing policies and procedures

Proficient in the Microsoft suite of product: Outlook, Word, Excel, PowerPoint etc.

Ability to work accurately and efficiently in a fast-paced environment

Ability to handle competing priorities effectively and within established timeframes

Experience in Reverse Mortgage and doc vendors

Team oriented

MBA Education Certificate in Introduction to Regulatory Compliance

Work Experience

CMG Financial, Inc. 12/04/2020 – Present

Compliance Specialist Remote

Conduct loan audits to ensure they are in compliance with federal and state laws and regulations and company policies and procedures.

Review, research, prepare and respond to complaints from CFPB, BBB and other State regulatory bodies and ensure that they are addressed thoroughly, sufficiently, and timely

Maintain complaint tracking log

Review and address Better Business Reviews

Perform compliance/regulatory-related research as requested in the Compliance in box.

Review and approve federal and state disclosures.

Review HMDA data for accuracy and submit the HMDA LAR annually.

Review marketing material for regulatory compliance. This includes social media, videos, radio, etc.

Monitor and review policies, procedures, forms, and agreements to ensure regulatory compliance with applicable laws, rules and regulations and ensure compliance with company policies and procedures.

Identify opportunities to enhance the effectiveness of departmental policies and procedures, software controls and additional training needs.

Assist in providing loan level documentation for state and investor examinations.

Attend and actively participate in all scheduled training classes including regulatory compliance education.

Maintain a strong familiarity with all federal and state mortgage lending laws and regulations.

Assist with projects as needed.

American Advisory Group (Reverse Mortgage) 06/20/2020 – 12/04/2020

QA/QC Document Specialist Remote

Receive document requests from business unit submitted via compliance portal

Review and analyze ticket requests to ensure full understanding of the requirements and provide a target date to business unit for document implementation

Conduct independent research utilizing compliance websites such as, All Regs, Reg Z, CFPB and Source, e.t.c.

Identify test requirements from specifications and map test case requirements, design test plan such as document print rules (product, business channel, doc package, state, e.t.c).

Develop document mock-up and maintain functional test cases and other test artifacts like the test data and data validation.

Work with document vendors (Baydocs and Reverse Vision) to implement documents

Execute test cases and validate result and ensure that validated deliverables meet functional requirements.

Isolate, replicate, document and report defects to the document vendors to fix errors

Work with cross functional teams such as, Development team and Business Unit

Send global communication email to the business unit informing them of the document update or document removal or new doc implementation or system enhancement has been pushed document to production.

Document compliance log, upload all test docs in the compliance drive/folder and close out ticket

Impac/HMDA Analyst 09/08/2018 – 06/15/2020

Irvine, CA

Using Encompass and Empower, build a process that achieves sustainable data integrity by creating a quarterly review package, proper documentation (source documents), data testing/QA, data understanding, and data analysis

Using Encompass, worked with IT to identify HMDA data field mapping, field triggers, automated conditions, persona access, milestone completions, business rules and backfills to ensure data integrity in Encompass

Monthly meetings with IT to identify Encompass system HMDA data inconsistences and provide suggestions for cure

Verify the number of loan on LAR (Account for both reportable and non-reportable loans)

Conduct HMDA training for Business units and offshore partners

Implement HMDA training materials and Demos for BU and offshore partners

Make correction to known issues (corrections from QA or Audits, known LOS system or reporting software issues

Maintains current knowledge of all compliance requirements and upcoming changes that impact the residential mortgage lending industry.

Provides reports and updates on a regular basis on compliance reviews to keep senior management informed and other necessary documentations, or updates.

Ensures that management is informed of frequently occurring errors or if errors exceed the maximum allowable threshold.

Prepare HMDA LAR submissions to CFPB as well as monthly HMDA exception reviews and scrubbing of HMDA data.

Ability to maintain and update the organization’s policies and desktop procedures, implementing the proper codes, rules and regulations to ensure the organization maintains an effective compliance department and programs.

Proactively provide effective feedback and guidance and support for other Mortgage related compliance items

Provide training for new compliance changes impacting our process and administer ECOA desk to ensure correct final disposition and send out denial letters to borrowers, LO’s and MLO’s

RESPA/Compliance 12/2014 – 08/25/2018

Stearns Lending, Inc. Lending Costa Mesa, CA

Ensure compliance and law regulations, rules and guidelines are met at time of mortgage loan origination and submission.

Utilize practical understanding of mortgage process and documents, as well as a good understanding of mortgage regulatory compliance.

Enter all fees and validate all data on new loans as received into the LOS as needed for initial submissions

Escalate and report on deficiencies identified to MLO and management such as CE fails due to non-allowable.

Work with CAL HFA and bond products, read and interpret program guides to ensure required fees are captured and accurately disclosed to borrowers.

Coordinate and communicate with compliance associates to ensure all documents and disclosures are in accordance with federal, state, local and agency rules and regulations.

Serve as liaison between Compliance and MLO’s and other support teams such as CD and processing departments on identifying and addressing compliance concerns as changes are made to policy and procedures or new regulations are issued.

Review Change of Circumstance and Re-disclose as applicable to Federal and State laws throughout the loan process. Confirm file is within tolerance, flag any tolerance violations.

Run Compliance Ease/Mavent reports and interpret/cure points and fees fails (Non-allowable) and/or escalate HPML’s to Compliance Support for overrides.

Assist MLO’s with the status of loan files or issues with interfacing /uploading loan files.

Perform detailed review of all loans to ensure compliance with regulatory requirements related to HMDA, CRA, TRID, TILA and RESPA preparing reports as required

Provide a high level of customer service to internal and external customers

Compliance Specialist 11/2013 – 12/2014

Banc of California Irvine, CA

Conducted post-closing audits, completed HMDA information, denial statements and monitored pipeline for incomplete/no-funded files. Identified, and cured or escalated relevant compliance matters and/or potential action as appropriate to their department manager

Possesses a general understanding of the risks and controls required to ensure compliance with applicable regulations.

Facilitated dependable and informed compliance risk monitoring within the context communicated by the VP Senior Compliance Officer.

Routinely assisted in identifying deficiencies to be addressed, tracked, remediated and monitored for closure as defined in the Issue Management Process.

Escalated a risk, issue or concern to the VP, Senior Compliance Officer, in accordance with the Company's Escalation Process.

Coordinated with IT Team to extract and map accurate HMDA data from LOS

Followed monitoring, testing and reporting processes in order to generate quantitative and qualitative reporting.

Maintained reporting, providing actionable and timely information for management to proactively control compliance risks. Works collaboratively with other compliance department employees to support the overall objectives of the department.

Ensured compliance with all applicable reporting, recordkeeping requirements and timely distribution of related materials and publications to designated personnel.

Provided support to all areas of the department where service or assistance is needed. Interacts appropriately and professionally with Regulators and auditors

Account Manager 01/2012 – 10-2013

Suburban Mortgage Co. dba InterCap Lending Irvine, CA

Performed in-depth analysis of files for submission to underwriting and closing departments ensuring the required documentation is received and complete

Established rapport with borrowers and deliver excellent customer service

Maintained system data including status and loan events (receipt of stipulations, dates and memos) with anticipation of closing each loan within 30 days

Ordered and review all required 3rd party reports and verify all documents and conditions have been met, obtain final approval sign off by underwriting, and confirm scheduled closing date

Resolved all loan level file issues to assist in funding the loan

Managed internal and external expectations on timelines, costs and processing

Assisted with training new employees in the department and follow company guidelines, policies and procedures

Completed special tasks as assigned by manager as needed

Quality Control Specialist 11/2009 – 10-2011

Adecco/Metlife Home Loans Irvine, CA

Selected a random and discretionary loan sample monthly, send loans to QC vendor for review, work with operations department to review findings, submit rebuttals and create action plans, prepared a comprehensive and detailed monthly QC report for senior management that includes trend reports– all within a timely manner

Reviewed Loan Application Register data for compliance with HMDA reporting requirements

Performed pre-and post-close compliance and quality control audits on residential loans

Reviewed files for compliance with regulatory, agency and investor requirements

Conducted re-verification of loan file documents. Review process, policies and procedures to ensure compliance.

Reported findings and exceptions to management, trending analysis of errors and root causes, assist in implementing corrective actions and following through to ensure remediation.

Assisted operations with questions associated with cancelling, withdrawing or denying loan applications.

Conducted monthly HMDA audits and prepare reports for senior management review highlighting any identified trends

Technical skills

Encompass, Empower, Questsoft/Compliance Relief, NContracts, Data Trac, Mavent report review, Reverse Vision (RV), LendForce (Baydocs), Word, Excel, Outlook, BytePro, AllRegs, CFPB portal, BBB portal, regulatory compliance

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