Banking/Financial Services
Resume:
Rosiland Bradford
Forney, TX
********.****@*****.***
Excel at researching financial risks, communicating with coworkers and clients, and using finance-related software. Supported the identification, assessment and reporting of risk related to fraud and related control environments. Well versed in providing revised post consumption closing disclosure for corrected escrow, missing information, compliance issues, Mavent fails, and any other corrections to clear conditions for purchase. Hands-on experience in audit closing disclosure for missing data, escrow mismatch issues, missed tolerance cures and providing weekly/monthly reports regarding findings Staying within TRID state guidelines.
Skills:
Encompass 360, Sharepoint, Citrix, ResWare, RamQuest &, MSP FHA Connection
Microsoft Office; Excel, Word 2010, Access; Data Entry 4000 keystrokes & Typing 45 WPM
AML/BSA Mortgage Training and Compliance (#1400133)
Texas All-Lines License (#2833986) & Alacrity Solutions State Farm Auto Certification
Education:
AML/BSA Investigator, Diehl Mortgage Training and Compliance - 2018 to Present
Computer Information Systems, Brookhaven Community College 2011 - 2012
High School Diploma, Skyline High School, Dallas, TX 1986-1990
Experience:
Funder III - remote
Flagstar Bank – San Mateo, CA - 2020 –2022
Review funding documents within the specified timeframe for purchases/refi transactions. Work with title companies on the return of loan packages. Ensuring the FINAL CD is signed and dated, uploading a copy of 1003 for the LO/MA advisors to sign as week and request the FINAL settlement ledger and disbursement docs from escrow. Review remaining executed doc’s in Encompass such as the VVOE and signed-off by the processor, the CPL and/or Errors & Omissions, Title Commitment, HOI, Flood Certificate if loan is in a flood zone making sure all taxes/insurance are paid and all conditions are met based off the funding checklist prior to release.
Regulatory Compliance – contract - remote
Treliant Risk Advisors - Washington, DC - 2019 – 2020
Conducted compliance loan file review analysis for Servicemembers Civil Relief Act (SCRA) protected accounts, including mortgages, consumer loans, and credit cards. An understanding of SCRA and regulations along with subject matter expertise effectively managing complex and diverse quality operations is preferred. File Reviewer Specialists will identify and verify exceptions within files. Quality Control Specialists will perform quality control reviews, manage small teams and prepare reports and findings in a clear and concise manner.
Bank File Reviewer - contract
Robert Half/Protiviti, Addison, TX - 2018 – 2019
Responsible for testing compliance data relating to banking organization for thorough and compliant submissions with clear concise CRA data for federal auditing purposes; Reviewed post-closing mortgage for consumer loan documentation for accuracy on Purchase, Refinance, Commercial Lines of Credit loans (reading the engagement letter, SFHD, notice letter and appraisal);Responsible of findings on review being within state and federal lending regulations were communicated to the Line of Business for more instruction to minimize high-risk regulations of potential areas of exposure (i.e. Hazard Insurance, Standard Flood policies and LPI/PMI Forced Placed) and Reverse Mortgages; Executed test plans/scripts for enhancements; adapted reports and provided evidence on delinquent consumers
Escrow Specialist/Disbursement Team - contract
Randstad Staffing, Plano, TX - 2015 – 2017
Doc Drawer for Texas Home Equity loan packages (50A6) Cash Outs, VA and FHA/Conventional loans. Make sure all liens are cleared or being paid off at closing; Review Prelim/Final HUD and calculations of Texas A6; Responded to email request from Lenders, title/closing agents to close assets on or before schedule closing dates; Reviewed Final documents for completeness and accuracy to make sure all meets RESPA guidelines; Provide high level customer satisfaction through effectiveness and timely resolutions on escalation; calls from Lenders, notaries and borrowers; Use time management on revision emails and HUD prep to meet SLA guideline.
Workway Staffing – Escrow Assistant - contract
Dataquick Title, Westlake, TX - 2012 – 2014
Prepared 20-25 accurate HUDs per day using state by state guidelines and lender instruction through Simplifile. Performed 30 + HUD revisions per vendor instructions within RESPA guidelines. Balanced, funded and disbursed on average 30+ refinance loans per day in RamQuest software. Contacted the Tax assessor office for unpaid or paid property taxes for final HUD approval. Assisted with sorting, stacking order, scanning and batching any incoming mail.
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