Naomi Kaburu

**** ******** **. ***** ******* TX *5052

Cell Phone: 469-***-**** Email:adwrc5@r.postjobfree.com

Compliance & Risk Management Professional

Overview

Accomplished Compliance and Risk Management professional with solid experience in providing oversight and testing of first line of defense activities, processes, and procedures. Over 10 years’ experience in Financial Services which span in both first and second lines of defense.

Professional Summary

Risk Control Self Assessments (RCSA)

Consumer Laws and Regulations (FCRA, TCPA, GLBA, EOCA, TILA, UDAAP, BSA, SCRA, ADA) etc.

Mortgage Origination and Servicing (Loss Mitigation),

Third Party Risk Reviews

Issue Validations, AML Investigations

Critical Thinking, Decision Making, Attention to details,

Regulatory Exam and Reporting

Credible Challenge of first line of defense

Testing and Monitoring activities

Professional Background

Wells Fargo/Experis Manpower Feb 2023-Mar 2023

Risk management/Sr Testing specialist

Responsible for management and execution of various reviews, issues, and corrective action plan reviews, advising the business on design and operational effectiveness of controls for risk mitigation purposes.

Conducted operational, compliance, and financial review assignments in accordance with established methodologies and policies and procedures.

Provided oversight and guidance over the assessment of complex issues, structuring potential solutions, and driving effective resolution with other stakeholders.

Responsible for planning, supervising, and executing of monitoring reviews aimed at assessing design and operational effectiveness of controls and other risk mitigation activities.

Developed test plans in accordance with the key controls identified and performed control testing to evaluate the design of the controls and assessed the operating effectiveness of the controls.

Provided credible challenge and advisory to the first line of defense on various risk management initiatives.

Monitored adherence to risk management policies and procedures; measure compliance risk through a robust control framework and ensure that reviews are conducted consistently.

Participated in the enterprise establishment of Risk Control Self-Assessment program the bank and its affiliates use to identify and self-assess risks per Risk Management Framework.

Cross Country Mortgage Sep 2020-Jun 2022

Risk Management/ Compliance Analyst

Responsible for planning, supervising, and executing of monitoring reviews aimed at assessing design and operational effectiveness of controls and other risk mitigation activities.

Assist in developing and implementing operational compliance activities for compliance with mortgage servicing laws and regulations.

Performs complex analysis, audits and reviews closely with the operational management teams to ensure that policies and processes are compliant with applicable federal and state laws and regulations (UDAAP, RESPA, FDCPA, FCRA, TILA, ECOA, GLBA, TILA)

Assist with projects as assigned by the Compliance managers, including testing, monitoring, issue tracking and change management.

Ensure the effectiveness of all risks and corresponding controls of the business to ensure compliance with regulatory requirements.

Assess the legal and reputation risk exposure and help them create a Compliance Risk Assessment Framework.

Assist with regulatory exams to ensure timely and complete responses.

Assist with identification of potential legal and compliance risk and remediation.

Identifying and communicating to CSC managers and team leads potential coaching opportunities for customer service representatives.

reviewing business content controls that are currently in-place and doing the QC/QA work associated with ensuring that these controls in place are being effectively utilized.

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JP Morgan Chase Sep 2016-Sep 2020

Compliance Analyst

Responsible for executing Compliance related reviews and credible challenging the first line of defense.

Performed monitoring reviews to determine compliance with various banking laws, federal and state government laws/regulations impacting mortgage lending to include CRA, Flood Disaster Protection Act, Fair Credit Reporting Act, Fair Lending, Service members Civil Relief Act, and HMDA regulations and reporting.

Completed reviews and analysis of transactional information to identify risk, trends, and potential wary activity/ process gaps.

Performed reviews on completed KYC screenings on customers to determine whether they were done per the global KYC procedures and related laws, rules and regulations.

Effectively conducted reviews on AML /KYC formality reports on questionable accounts and transactions.

Reviewed the resolutions that were made on consumer complaints to ensure they were completed per the internal policies and procedures as well as various state and federal regulatory agencies.

JP Morgan Chase Jan 2016-Sep 2016

Loss mitigation Underwriter

Responsible for loss mitigation underwriting of various mortgages including Conventional and FHA portfolio.

Analyzed and conditioned Conventional and FHA approved and manual underwritten mortgage modifications.

Completed detailed analysis of personal assets, income, and liabilities for clients to secure an accurate decision to complete the loss mitigation options.

Analyzed personal and business tax returns for income qualification for home mortgage loans. Underwrote purchase, new construction, manufacture homes and refinances mortgage loans. Underwriter an average of over 65 initial loans per month, with an average over 10 loans review per day.

Analyzed delinquency, escrow analysis, modification scenarios and proposals, recommending appropriate loan workout.

Maintained a pipeline report with as many as 200 loans per month.

Maintained communication with attorneys, investors, clients, and third-party vendors throughout the process.

Maintained compliance with mortgage serving and default department policies and procedures.

JP Morgan Chase Jan 2014-Jan 2016

Collections Team leader

Received inbound and make outbound calls to delinquent mortgage customers.

Provided customers with information requested through verbal or written correspondence.

Provided services as a one point of contact for customers assigned to me.

Responded to needs of customers who were unsatisfied by the services provided.

Escalated calls to the assigned department in case of complaints.

Lead and direct teammates by having a monthly team meeting to discuss how to deliver expectations in a timely manner and challenges faced.

Train, guide and develop 10 to 15 current and new employees about processes and procedures.

Plan, Coordinate and organize team meetings to discuss the allocation of work and to encourage maximum production.

Manage the workflow of 10 to 15 customer assistant employees.

Computer & Technical Skills

MS Office Professional (Word, Excel, Outlook, PowerPoint etc.), MSP-Fidelity, Lender Live, LPS Desktop, Early Resolution, CMS, Real EC, Collateral Underwriter, Collateral analytics, Data verify, MX, EIV, I vault.

Education Background

Ashford University Master’s degree- Organization Management

Graduated: July 2018

University of North Texas Bachelor’s degree in Applied Arts and Sciences

Major: Human Resource Management, Minor: Criminal Justice

Graduated: August 2013

San Jacinto Community College Associates Degree-Behavioral Science

Graduated: May 2005

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