Antoine G. McKenzie, MBA

**** ***** *****

Cedar Hill, TX 75104

214-***-****

adxl6w@r.postjobfree.com

INTERESTS: Financial Analysis/Risk and Compliance/Quality Control (Audit)

PROFILE:

Possess leadership capabilities

Self-motivated and goal oriented

Strong analytical, quantitative and problem solving skills

Able to complete tasks within deadline constraints and with minimal supervision

Detail oriented even while undertaking multitasks

Flexible to work alone or in a team setting

Communicate effectively verbally and in writing

EDUCATION:

Passed the Chartered Financial Analyst (CFA) Level I, Master of Business Administration (MBA), Master of Architecture (Dual Degree Program), Dec. 1999, Texas Tech University, Lubbock, TX

Undergraduate Studies: Business Administration and Architecture, Texas Tech University, Lubbock, TX

(Undergraduate Studies continued to Graduate Studies)

Graduate GPA: 3.5, Undergraduate GPA: 3.5

SKILLS:

Compliance/Audit: Consumer Financial Protection Bureau (CFPB), OCC, BSA, SAR, Anti-Money Laundering (AML), Fraud Detection, TILA/RESPA, HMDA; Asset Valuation: Financial Statement Analysis, Equity, Fixed Income, Alternative Investment, Derivatives, Calculation of NPV, IRR, Calculation of Variance, Required Rate of Return and Cost of Capital; Computer Skills: Internet Technology, Proficient with MS Office, DCMS, SAS, AS400, Fidelity (ALS), NDC, Pacer, Timeline, Infinium, Jack Henry-SilverLake, LenderLink, PAYplus, MetricStream, Salesforce (Workflow Tool), SHRP, JIRA

License:

Life Insurance

EMPLOYMENT HISTORY:

Wholesale Lending Operations Consultant, 8/21 – 4/23 (Contract) Aston Carter – Wells Fargo, Remote

Participated on Risk & Control Self-Assessment (RCSA) Workshop conference calls to provide guidance to all participants of control procedure requirements.

Discussed with relevant stakeholders, requirements needed for control procedures that were QA (Quality Assurance), QC (Quality Control), and controls that were indicated as “Neither” QA or QC.

Held individual Skype meetings with relevant stakeholders of the applicable Line of Business (LOB) to gather information needed to write control procedures and/or address outstanding control procedures questions.

Drafted control procedures with the information obtained from the RCSA Workshop conference calls and individual Skype meetings, while adhering to RCSA control procedures and regulatory requirements. This draft was discussed/edited with the Control Owner (CO) and/or Subject Matter Expert (SME), peer reviewed, and submitted for publishing only after receiving the CO’s approval to publish this document.

Reviewed post testing feedback received from the Evidence Based Control Evaluation (EBCE) team, discussed all findings with the CO and/or SME, made the suggested edits, and republished the subject control procedures.

Tracked and reported to management the status of all controls assigned.

Conducted peer review of team member’s control procedures and advised of items that should be addressed before the final procedures were submitted for publishing.

Trained new team members to successfully and confidently write new control procedures and/or make edits to existing control procedures.

Responded to all of my manager’s urgent emails, while manager was out of the office.

Retail Banking Consultant – Control Tester, 2/21 – 6/21 (Contract) Robert Half - USAA, Remote

Performed control testing activities to evaluate the effectiveness of the bank’s internal controls, so that deficiencies were identified and communicated in a timely manner as dictated by the bank’s Risk Governance Framework (RGF).

Conducted an initial review of the assigned control and confirmed the control’s status and attributes in MetricStream. Reviewed the control’s related procedures, process maps, and job aids to become familiar with the process, associated regulations and risks.

Sent an initial communication email to the Control Owner (CO), Experience Owner (EO), and Process Owner (PO), to request any information needed for testing and scheduled a walkthrough of the control to observe how the control was executed.

Reviewed all information obtained and tested a sample of the population for Design and Operating Effectiveness based on the control’s description and company guidelines, while noting any findings and observing if the control mitigated the risk stated in the control description.

Submitted the completed test for review and approval and communicated the control’s rating disposition (Effective/Ineffective/Not Rated) to all stakeholders involved.

Uploaded the final report and all documentation to MetricStream and Salesforce (Workflow Tool) and updated the status to completed in both systems.

Business Consultant – Bankruptcy Analyst, 4/19 – 4/20 (Contract) KPMG-USAA, San Antonio, Texas

Applied Chapter 13 Bankruptcy Transaction Testing methodology and approach to those in-scope auto loan accounts (as identified by USAA) to assess the accuracy of the account balance at the bankruptcy filing and the present balance.

Researched accounts by obtaining relevant information from Pacer (Docket Report and Claims Register), USAA’s system of record (ALS and CACS), and NDC.

Analyzed the Docket Report to determine the case’s disposition (Active, Dismissed, Discharged, Closed, Converted to another chapter, etc). Analyzed the Bankruptcy Plan to determine USAA’s loan treatment, and reviewed the Claims Register for all claims filed by USAA for the subject account.

Reviewed the Docket Report for all relevant Bankruptcy Plans, Motions, Objections and Confirmations for the account under review. Reviewed the Claims Register for all applicable amendments, withdrawals and objections. Reviewed NDC for all payments submitted to the trustee, which were later remitted to USAA. Reviewed ALS and CACS for current account information and notes on the account.

Reconciled borrowers account to include all payments due, payments received and any applicable outstanding fees and charges by ledging all activity on the account.

Maintained all identified accounts on a monthly basis to determine current account balances while capturing all account activity since the previous month’s review.

Determined if the account was cramdown.

Ensured Personal Identification Information was properly redacted.

Reported/escalated all out of scope scenarios to the team lead and legal for further review and processing guidance.

Loan Operations Officer – Commercial/Wholesale Funding, 11/16 – 9/18 (Contract)

Babich and Associates-Nexbank, Dallas, Texas

Approved and boarded new loans purchased in Jack Henry-SilverLake (loans in excess of $1MM). These loans were classified as balance sheet loans or loans held for sale.

Audited and approved journal entries for all new Wholesale Loan setup using LenderLink.

Reviewed Mortgage Wholesale Wire Clearing, Escrow Interim Servicing and Escrow Receivable GL Accounts for variances and reconciled these accounts daily.

Communicated with, reconciled and remitted escrows daily to the appropriate servicing bank.

Verified and approved Commercial/Wholesale Loan Wires in excess of $1MM in PAYplus for Commercial/Wholesale Loan purchases.

Actively participate in Senior Management Loan Operations meetings to discuss new Loan Pools to be purchased and provided Wholesale Funding status report.

Communicated with external technology vendor to resolve system issues and submitted recommendations for system improvement and efficiency.

Quality Control Analyst - Compliance, 03/15 – 08/16 (Contract) Bank of New York Mellon, Dallas, Texas

Reviewed all files for actual or suspected Suspicious Activities.

Reported and filed and incident report for all Suspicious Activities.

Analyzed and Managed Risk and Fraudulent activity using SAS.

Ensured mortgage files conformed to TILA/RESPA guidelines and that CFPB guidelines were followed.

Collected random samples of the data population to test all systems and processes for compliance.

Collaborated with management to create and outline a workflow to continually test and monitor all systems and processes for compliance.

Analyzed testing results to identify systems and processing issues to improve the operation.

Prepared comprehensive management reports of test results and advise of actions to be taken for improvement.

Followed through and ensure corrective action was taken in response to audit findings.

Provided prompt response to all escalated compliance-related issues and regulatory inquiries.

Bankruptcy Analyst, 04/14 – 9/14 (Contract) Bank of America, Dallas, Texas

Analyzed files to ensure compliance with consumer protection laws as regulated by the OCC.

Reviewed mortgage files to ensure conformity to CFPB guidelines.

Reviewed Chapter 13 plan, and entered the needed data into the plan review calculator.

Determined if there were multiple loans affected by the same bankruptcy case.

Checked to see if loss mitigation was filed.

Examined the plan to see where in the plan the servicer was listed (secured vs. unsecured, surrendered, etc.).

Analyzed plan to determine how the monthly payments will be paid and if the plan was feasible.

Ensured no fraudulent activities were found before proceeding.

Determined if the file resulted in a bookloss to the servicer.

Filed an objection to the plan if needed, and reconciled all accounts as required.

Business Control Analyst – Audit/Compliance, 02/12 – 08/13 (Contract) Bank of America, Dallas, Texas

Analyzed files to ensure compliance with consumer protection laws as regulated by the OCC.

Reviewed mortgage files to ensure conformity to CFPB guidelines.

Audited FHA Underwriters’ loan documentation for accuracy, completeness, and compliance with appropriate

company and secondary market investor standards.

Modified and underwrote FHA Home Loans.

Analyzed delinquency, performed escrow analysis, analyzed modification scenarios, proposals and recommended appropriate loan workout.

Reviewed and analyzed borrower documentation to determine income and repayment ability, assessed borrower hardship, analyzed housing expenses and determined proper loan resolution.

Where applicable, reviewed for red flags (potential Fraud and Money Laundering) to determine whether or not

the loan needed to be sent to the Loan Integrity Operations Department.

Reviewed recommended foreclosure prevention alternative offered to the homeowner to ensure all investor/insurer guidelines were followed.

Evaluated credit decisions for accuracy based upon established risk parameters and in accordance with

policy, program, and product guidelines.

Conducted variance analysis and calculated variance from given bench marks.

Maintained responsibility for timely and accurate database maintenance as well as updates and corrections

in all related systems as applicable.

Obtained all third party approvals including investor and mortgage insurance company approvals.

Underwriter, 06/08 – 07/11 Bank of America, Richardson, Texas

Analyzed financial reports and statements to negotiate workout solutions to defaulted mortgage Loans.

Handled priority loans with issues that have escalated to the Office of the CEO & President, and

provided expedited resolutions.

Processed and updated Home Affordable Modification Program (HAMP)/MHA files in Freddie Mac’s data

base - Workout Prospector II.

Reviewed loan to detect fraudulent activities and escalate file if such activities were detected.

Negotiated with borrowers, external lenders, investors, private mortgage companies, real estate agents, attorneys and other representatives from initial workout request to final closing.

Conducted research and follow-up on critical issues as assigned by the team lead.

Assisted managers and team leads with training and coaching of new hires.

Assisted team lead in recording and analyzing daily statistics and completing special projects (as assigned).

Underwriter, 01/06 – 12/07 U.S. Small Business Administration (SBA), Ft. Worth, Texas

Reviewed HMDA public data as necessary for information on loans, applicants, lenders and properties.

Conducted credit analysis and analyzed anticipated income and cash flow to calculate appropriate

repayment in terms of periodic payments and loan maturity.

Applied accepted financial procedures to analyze financial resources to determine whether applicants can

repay a loan.

Reviewed file to detect fraudulent activities before approving workout assistance.

Prepared loan officer’s report documenting all pertinent facts, analysis completed and reasons for each conclusion or recommendation.

Processed loan modifications by performing the necessary analysis and preparing full documentation supporting the analysis.

Financial Analyst, 12/03 – 03/05 Isle of Capri Casino Inc., Freeport, Bahamas

Reported the financial status of the company directly to the Director of Finance and the General Manager.

Prepared periodic financial reports for the company for internal use and corporate reporting using Excel and Timeline.

Assisted all departments in constructing their budget for the new fiscal year.

Assisted the Director of Finance in compiling the company’s forecast on a monthly basis.

Responsible for booking month end close entries to the general ledger on a monthly basis.

Prepared ad hoc reports for the General Manager for quarterly review with our corporate office.

Analyzed the company’s results compared to projected budget and forecasted numbers.

Involved in group discussions with property Directors and the General Manager to discuss company’s performance to overall market.

Involved in strategic discussions to decrease expenses, increase revenue, and increase market share.

AFFFILIATIONS:

Phi Beta (National Honor Society in Psychology), Phi Theta Kappa, Tau Sigma Delta, Golden Key National Honor Society, Who’s Who, Phi Kappa Phi

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