ZANDRA CHATMAN

*** ***** **** ******, ** ***** 630-***-****

adxn7z@r.postjobfree.com https://www.linkedin.com/in/zandra-chatman-3052a457

To obtain a position as Regulatory Compliance Analyst III/Quality Control III.

October 2022 to Present

Contractor/Sr. Compliance Analyst- HMDA, Experis US, INC.

•As part of a specialized, hand-selected team of compliance professionals, perform intensive data review of a large smaple of over 53,000 loans related to HMDA analysis and reporting, including a full data scrub of the client's 2019, 2020, and 2021 HMDA submissions.

•Work seamlessly between client's five Loan Operations Software {LOS} programs to analyze loan data from both in-house loans, and loans purchased from nineteen different correspondent lenders.

•Collaboratein team environment to ensurethat each of the client's loan product types are correctly reported to secure both a zero-error submission, and zero-error federal compliance exam.

February 2021 to August 2022

SR. COMPLIANCE SPECIALIST, HOMEBRIDGE FINANCIAL SERVICES, INC.

•Assisted with loan level compliance issues and questions including but not limited to: Mavent, ComplianceEase, Federal & State Disclosures, DataVerify and Fees questions. (Compliance Service Desk).

•Completed specific loan level reviews in connection with Homebridge compliance policies & procedures as well as regulations and disclosures including but not limited to: CFPB requirements, TRID, RESPA, TILA, ECOA, HMDA, FACTA/FCRA.

•Completed loan file reviews for Target Reviews and other similar departmental initiatives.

•Assisted with all aspects of audits and examinations including State, Agency, and Business counterparties.

•Reviewed monthly third-party compliance QC reports and coordinate responses with applicable managers. Analyzed and assisted with determining appropriate corrective action including system, training, and workflow.

•Reviewed and analyzed advertising and marketing material including social media.

•Contributed compliance information to training/operations for any specific programs including compliance guidelines, document requirements and disclosure procedures.

Assisted in research and preparation of draft responses for Consumer Complaints including: CFPB, State, Agency or private.

•Contributed to creation, updating and maintenance of Compliance Policies and Procedures and assisting with communicating all compliance changes/updates to managers and staff.

•Worked with the Training Department to facilitate compliance training including new hires, annual updates and new training based on new initiatives and requirements.

•Detailed knowledge of Fair lending, ECOA, MDIA/RESPA/TRID regulations.

August 2020 to December 2021

COMPLIANCE ANALYST, IMPAC MORTGAGE

Monitor daily reporting of production pipeline as it pertains to ECOA Requirements.

•Identify, communicate and resolve TRID compliance violations.

•Assist in regulatory and compliance testing and monitoring for all channels.

•Assist with trending of errors and assist in recommending corrective steps to mitigate errors.

•Assist in management and or state or federal regulators as required.

•Provide guidance and remediation to operations staff on a variety of compliance related issues/ topics through the compliance mail box.

•Obtained information from opts staff for regulatory examination.

•Provided response to Regulatory examiners and edited responses with VP of Associate General Counsel.

•Determined if a Penalty Interest Refund is needed for CA Per Diem.

•Due Diligence, cured Mavent fails, failed validation questions

•Provide customer service, problem resolution and training to the Sales team and Correspondent Lenders, with respect to files in process.

•Detailed knowledge of Fair lending, ECOA, MDIA/RESPA/TRID regulations.

DECEMBER 2019 to August 2020

CORRESPONDENT COMPLIANCE SPECIALIST II, PARAMOUNT RESIDENTIAL MORTGAGE GROUP

•Verify accurate TRID compliance for disclosures insured by Correspondent Lenders to ensure salability of loan at both initial loan submission and loan closing.

•Identify, communicate and resolve TRID compliance violation.

•Cross train within organization to ensure adequate backup is in place.

•Provide customer service, problem resolution and training to the Sales team and Correspondent Lenders, with respect to files in process.

•Maintain daily logs and meet daily quotas.

•Detailed knowledge of MDIA/RESPA/TRID regulations.

•Assisted in research and preparation of draft responses for Consumer Complaints including: CFPB, State, Agency or private.

•Submitted the Call Report quarterly to NMLS.

OCTOBER 2019 to DECEMBER 2019

COMPLIANCE ANALYST, IMPAC MORTGAGE HOLDINGS

•Manage compliance inquiries received on in-process loans through a centralized compliance inbox Perform compliance research and analysis of data related to ECOA and HMDA compliance practices, policies and procedures

•Assist with ECOA and HMDA file review and QC activities

•Assist with remediation/corrective action stemming from exam findings or internally identified regulatory findings

•Perform verification of review findings for ECOA, HMDA, REG Z (TRID), and State Laws & Regulations.

•Direct or perform actions needed to correct issues/findings (TRID)

•Prepare and verify the accuracy of ECOA notices

•Provide guidance and be a resource to operations staff on a variety of compliance related issues/ topics

•Perform daily compliance help desk functions for Reg. Z, RESPA and other regulations

DECEMBER 2018 to OCTOBER 2019

EXPEDITER, STARCREST PRODUCTS OF CALIFORNIA

•Communicate with vendors daily regarding inventory quantities and shipping dates.

•Review critical report to determine order status.

•Tracking inventory to prevent backorders.

•Communicating with management to address urgent or critical issues.

•Review weekly inventory reports to prioritize, schedule, and create work orders according to forecast.

•Review all upcoming mailings for several catalogs.

SEPTEMBER 2017 to JUNE 2018

COMPLIANCE ASSOCIATE/QUALITY CONTROL, DRAPER AND KRAMER MORTGAGE CORP.

•Proficient in Anti-Money Laundering, SAR, BSA as well as banking policy and government regulations.

•Facilitated all audits for all 35 states that we are currently doing business in. Gathered all requested documentation for full and limited scope audits requested by each state examiner.

•Submitted an Excel spreadsheet to all managers and department heads requesting items they are responsible for requested by the examiner. Reviewed items submitted to me by the different department managers, as to assure they meet guidelines.

•Conducted the exit interview with each state examiner and provided written explanation as to how to correct any violations going forward.

•Vendor management- vetted all vendors making sure that all vendors and service providers meet the CFPB requirements and are within compliance of Federal and State financial laws and regulations and company guidelines.

•Approved all loan officer Expense Reports making sure the items that are requested to be expensed do not violate compliance regulations, and are within the CFPB requirements, such as expensing NMLS license renewal, or giving a thing of value for referral which is not allowed by CFPB.

•Submitted an excel spreadsheet to all managers and department heads requesting items they are responsible for requested by the examiner. Verifying that the items expensed are within the CFPB requirements. Also Correspond with Investors and dispute items that are not correct regarding the pending item and their guidelines.

•Proficient in CRA, HMDA/LAR regulations for 2018.

JANUARY 2013 to SEPTEMBER 2017

SENIOR SUSPENSE ANALYST, DRAPER AND KRAMER MORTGAGE CORP

•Clear all pending items per Investors and agency guidelines.

•Pull all suspense items from various websites of Investors.

•Proficient in all TRID Respa TILA rules and regulations, reviewing the Closing Disclosure and Loan Estimates. Cleared any tolerance violations.

•Correspond with Investors and disputed items that are not correct regarding the pending item and their guidelines. I work with Loan Officers, underwriters as well as closers and processor and getting items needed to clear conditions.

•Pull Excel spreadsheet report, to view all items in pipeline to meet cure by dates in order not to incur fees.

•Watch for cure by dates, lock expirations dates.

•Mindful of large loan amounts as they are priority to have cleared and purchased off the line. * Provide check to borrower if there are any tolerance violations.

APRIL 2012 TO JANUARY 2013

SENIOR CLOSER, WINTRUST MORTGAGE

•Closed Conventional, FHA, VA, refinances and purchase transactions for CA, NY, and the Midwest, and central United States.

•Reviewed the appraisal for specific values. Checked for HMDA compliance, no TIL violations.

•Closed Texas loans.

•Calculated the HUD 1 Settlement Statement in compliance with the New Regulated RESPA laws, and issued approval to title company and banker or title co.

•Compared all fees from title to the disclosed Good Faith Estimate and reviewed for tolerance issues and issued approval.

•I communicated with attorneys, realtors, title companies and borrowers regarding bottom line figures per underwriter guidelines.

•Processed CEMA Loans (Consolidated Extension Modification Assignments) for New York properties.

•Solved any issues that may have occurred at the closing table.

•Emailed closing documents and any underwriter conditions needed to title company to be signed and reviewed.

•Responsible for deficiency requests from investors for loan purchase.

•Analyzed the accuracy of the deficiency and prepared documentation to investor for rebuttal or cured the suspense.

•Cleared the suspense within designated timeframe for loan to be purchased and as not to incur fees.

•Made sure that the request from the investor was reasonable and within state and federal compliance laws.

NOVEMBER 2011 TO JANUARY 2012

QUALITY CONTROL AUDITOR, PNC MORTGAGE - DOWNERS GROVE, IL

•Reviewed post closed files and evaluated the Truth in Lending Statement and the Good Faith Estimate for overages due the customer.

•Prepared Excel spreadsheet to calculate and compare totals from various disclosed Good Faith Estimates in order to document and support findings of overages. Documented audit issues and made recommendations using risk assessment.

•Maintained a high degree of integrity and confidentiality.

•Ensured files were following company and federal guidelines.

OCTOBER 2010 TO JANUARY 2011

SENIOR CLOSER, PROSPECT MORTGAGE - SCHAUMBURG, IL

•Closed Conventional, FHA, VA, REDC refinances and purchase transactions for East, West, and central United States.

•Reviewed the appraisal for specific values. Checked for HMDA compliance and resolved MDIA and TIL violations.

•Closed Texas loans.

•Calculated the HUD 1 Settlement Statement in compliance with the New Regulated Respa laws, and Reg Z * and sent to client, banker or title co.

•Compared all fees from title to the disclosed Good Faith Estimate and reviewed for tolerance issues and issued approval.

•I communicated with attorneys, realtors, title companies and borrowers regarding bottom line figures per underwriter guidelines.

•Emailed closing documents and any underwriter conditions needed to Title Company and or attorney's office to be signed and reviewed.

•Funded all closing via wire transfers.

•Handled and assisted in clearing of investor's requirements and requests, so that loan could be purchased.

AUGUST 2009 TO APRIL 2010

SENIOR CLOSER, JP MORGAN CHASE - WESTMONT, IL

•Closed loans jumbo loans for wealth management.

•Closed LLC's and Trust and created Trust documents for high profile clients.

•Reviewed the appraisal for specific values. Checked for HMDA compliance, no TIL violations.

•Calculated the HUD 1 Settlement Statement compliance with New Respa laws and sent to client, banker or title co.

•I communicated with attorneys, realtors, title companies and borrowers regarding bottom line figures.

•Processed CEMA Loans (Consolidated Extension Modification Assignments) for New York properties. * Emailed closing documents to title company to be signed and reviewed and funded all closings via wire transfer.

JANUARY 2007 TO MAY 2008

SENIOR CLOSER, CHASE HOME FINANCE - WESTMONT, IL

•Establishing underwriting conditions, setting closing dates, calculating taxes, reviewed insurance for correct amount supporting loan amount, and calculated escrows.

•I reviewed the title commitment for liens against the property to annual tax amounts.

•Reviewed the appraisal for specific values. Checked for HMDA compliance, no TIL violations.

•I communicated with attorneys, realtors, title companies and borrowers regarding bottom line figures.

•Solved any issues that may have occurred at the closing table.

•Emailed closing documents to title company to be signed and reviewed.

•Ran pipeline reports to monitor loans progress.

•Transferred all funds to the closing and or title company. Stacked and shipped returned closing package.

OCTOBER 2004 TO OCTOBER 2006 OAKBROOK, IL

CORPORATE TRAINER/PRODUCT SPECIALIST, UNITED FINANCIAL MORTGAGE CORP

•I developed and designed all training manuals, multimedia visual aids for all systems and interfaces.

•Modified, revised, and updated curriculum and all training manuals and materials via the intranet using Adobe Reader.

•I schedule and moderate training for all branch's (63) new hires processors, closers and sales team, FHA AND VA all desktop and loan prospector interfaces and all other interfaces and systems on a needs basis via the web (web-ex) or short-term travel.

•Wrote all product guidelines, researched all new products and updated current products with any industry product changes. Conducted product service trainings.

•I tested all new products, learned them thoroughly before rolling them out to the entire company.

•Communicated with product developers and upper management (VP of Secondary Marketing, VP of Operations, and President) to determine all current product features and accuracy.

•Assist in preparation of logistics to include training room, travel arrangements, passwords, materials and supplies, etc.

•Effectively communicated all changes to new programs to upper management teams via conference call. Check points on all loans are complying with compliance.

•Negotiated contracts for different perspective vendors for different interface system spearheaded a partnership with C&S Marketing to implement property evaluations at a competitive price.

•Assisted in hiring process for temp to perm positions as well as benefits and HR objectives.

•Followed up with management to ensure all training materials were in hand for scheduled meetings.

•Assisted IT department in resolving troubleshooting and errors.

MAY 2008

TELEVISION PRODUCTION/PRODUCER, Illinois center for broadcasting

Certification received in Radio and Television production.

MAY 2004

CERTIFICATION IN TELEVISION PRODUCTION, NAPERVILLE COMMUNITY TELEVISION STATION

JUNE 2006

MINISTERIAL DIPLOMA, LIVING WORD SCHOOL OF MINISTRY AND MISSIONS

SEPTEMBER 1982

BUSINESS/ART, TARKIO COLLEGE, TARKIO MO

•Excel

•Encompass

•Doc Velocity

•Adobe Illustrator

•Adobe Photoshop

•Avid Editing

•Power point

•Doc Magic

•Empower

•Calyx Point

I host a television show, that currently airs on Facebook, and YouTube and other social media platforms.

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