Business Analyst, Claims Adjuster, Mortgage

Toni King

Phone: 469-***-**** Email: *****************@*****.***

Home Address City and State: Dallas TX 75137 Linkin URL: linkedin.com/in/toni-k-4317b371 PROFESSIONAL SUMMARY _ Detail-oriented Cross Functioning Business Analysis, Operation Manager, Customer service Diverse Background in IT PEGA BPM Data Suit Infrastructure with Knowledge in Cyber security Mortgage Underwriting, Mortgage Originations, SBA 504 Loan Evaluation. Compliance Specialist, Insurance, Claims Experience Underwriter Compliance Specialist key knowledge DU, LP, AUS TILA, TRID, Service members Civil Relief Act SCRA Mortgage Loss Mitigation Account and Retention, Loan Modification, operation and Financial Banking and Lending Practice KPIs (key performance indicators) KYC (Know your customer) AML (Anti Money Laundering) regulations standards, Lending Practice. Inbound outbound, virtual Chat Customer Service Auto Dialer (Manager). CORE WORK EXPERIENCE & KNOWLEGE:

•Investigations & Reporting •Risk Assessment & Mitigation • Credit Risk Analysis

•Anti-Money Laundering (AML) •Fraud Detection and Prevention •Internal Audits

•Know Your Customer (KYC) •Security Audits and Assessments •Scrum and Project Management

•SQL and Excel •Customer service Chat and Phone •Client Relationship Management

•Data Analysis and Visualization •Agile and Waterfall Methodologies •Conflict Resolution Analysis & Modeling

•Stakeholder Engagement •Business Process Modeling •Regulatory Compliance

•Loss Mitigation •Loan Determination and Processing •Mortgage Underwriting & Compliance

•Property damage assessment •Claim investigation and negotiation •Customer service excellence

•Time management and multitasking

EMPLOYMENT WORK EXPERIENCE: Best IRS Claims – Property Claims Adjuster Irving TX (onsite position) Seasonal Position July 2024 to October 2024 investigating property and Auto damage claims for residential and commercial Worked Daily CAT and Daily claims. property damage for residential and commercial properties. Inspect and document damage, gather evidence. Determine the extent of liability and negotiate settlements within company guidelines and legal standards Dexian Wells Fargo - Business Member Analyz Plano, TX 3-month Hybrid position Feb 2024 – May-2024 Business member services, verification of member information and documents. Experience in gathering, documenting Analyzing business requirements, IRS information, DBA, NAICS and MCC codes 100% Member ownership using SVP, and BTV Analyze files closure status. Implementing VM war, Symbility, Mica Assist, claim vision, Core logic. Alacrity Solutions AAA, State Farm Claims Analys - Irving, TX (seasonal as needed) Jan 2017- Jan 2024 Ten-year Experience evaluating & investigating property and Auto damage claims for residential and commercial Worked Daily CAT and Daily claims. property damage for residential and commercial properties. Inspect and document damage, gather evidence. Determine the extent of liability and negotiate settlements within company guidelines and legal standards. Prepare detailed reports and recommendations for claim approvals or denials. Manage a caseload of 50+ claims simultaneously. Mphasis LLC. QC Compliance Bank of America Business Analyst – Carrolton TX Jan 2020- Jan 2023 Resolve security incidents and fraud cases Implementing technical solutions Analyzing AUS, the Pre-Funding QC, Post-Closing QC Appraisals, Reporting, QC Vendors and Third-Party. Manage and resolve compliance-related incidents and investigations, including data breaches and financial discrepancies •Maintained accurate and up-to-date compliance records, ensuring all documentation was readily accessible for audits and inspections. Prepared detailed reports and Documentation for senior management and regulatory audits.

Treliant LLC USAA Compliance Business Risk Analyst Addison TX June 2019- Jan 2020 Review, analyze and verify loan documents and service members qualification of all military active-duty service. Ensure accuracy, completeness and closing Analysis review income and liabilities to determine debt. Evaluate loss prevention of Service members Civil Relief Collaborate with project managers and cross-functional teams working closely with VP and Stake.

• Managed daily, monthly, and annual reporting for the business unit, managed daily testing of the application and provided feedback to developers. Enhance internal audit functions to further align to company strategy and risk. Gen-Pact Golden Sach Sr. Fraud Analyst PEGA Infrastructure Richardson TX Sr. Part-Time May 2018- 2/2020 Implementing technical solutions on Pega System and frameworks Monitored network traffic and system logs to detect and respond to security breaches and suspicious activities, Managed and updated firewall configurations and antivirus software to ensure optimal protection. standards Conducted regular security audits and vulnerability assessments in potential security breaches. Collaborated with cross-functional teams to address and resolve security incidents and fraud cases, understanding code language, working with Pega BPM system and JAVA, Web Services, HTML, JavaScript, PL/SQ Creating a Custom, Oracle, Investigation of suspected fraudulent activities and AML compliance issues, resulting in enhanced fraud detection mechanisms. Analyzed transaction patterns to identify and investigate potential fraud and AML concerns, Prepared detailed reports and Documentation for senior management and regulatory audits. Identified and monitored regulatory development and industry trends related to the implementation of AML and Fraud. Investigating and Monitored transactions, identified, and flagged suspicious activity and canceled fraudulent activity. Solomon Edwards Mr. Cooper Irving TX Business Analyst Compliance January 2016- May 2019 Review, analyze and verify loan for QC, Post-Closing QC Appraisals, Reporting, QC Vendors and Third-Party Origination Analysis review of income and liabilities to determine if the debt and the verification of underwriter are accuracy. Conducted Loan file examination,

•Manage and resolve compliance-related incidents and investigations, including data breaches and financial discrepancies. Maintained accurate and up-to-date compliance records, ensuring all documentation was accessible for audits and inspections. •Creating reports for management to help management make business decisions. Evaluate, analyze, and communicate systems requirements on a continuing basis, and maintain systems processes •reviewing closing checklist for accuracy. American Home Mortgage/ OCWEN Financial Loss Mitigation and Compliance January 2011- March 2016 Modifications / QC Auditing, Responsible for Quality control of modification files, to support home retention efforts and manage company compliance risk. Analyze transactions to ensure compliance with investor proprietary as well as HAMP, FHA, VA, USDA and GSE program modification guidelines. TILA AND TRID verification of the Service members Civil Relief Act

(SCRA) for Loss mitigation. Submit proposed modification terms through proprietary loss mitigation system, second sign higher

• verification of underwriter for accuracy. Conducted Loan file examination, reviewing closing checklist for accuracy. SKILLS: _

•PEGA Rules Process Commander •Microsoft Access / Outlook •Insurance and Banking Analytics

•Cross-functional collaboration •Virtual Chat Line •SAP/SAS Solutions

•Java/ PL/SQL / XML / HTML/ CSS •LP and Desktop Underwriting •WPII Freddie Mac

•Microsoft Visio /Oracle/Linux •Cisco Networking / Telnet / Visio •Fannie Mae Proprietary System

•Fiserv/ Microsoft SQL Server •SQL Server Reporting Services •KPI Dashboard

•Data Mining & Analytics •Microsoft Access / Microsoft Outlook •Loan Prospector /LMWS Freddie Mac

•PEGA integration testing components •TILA RESPA Integrated Disclosure •Oracle Database/ AS 400 Assets

•Word/Microsoft Excel / Power point •Insurance and Banking Analytics •Smart BMP Suite Education and Certification __ El Centro College (CCNA Certificate) Graduated 2010 Northlake College (oracle Database Certificate) Graduated 2011 Rose State College (BA) Graduated 1990 Business

Certification Certified Business Analyst Graduated 2000

Certified Cyber Security -2019

Certified Project Manager-2005

Certified Scrum Agile Methodologist- 2018

State Insurance License License Insurance Agent -2014-2016

TX 2085066 Expire 4/30/2025 and 14 other States.

Risk Management- License Property and Casualty – All lines and Health

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