Quality Assurance Control

Robin Adair

Carrollton, Texas *****

*********@*****.*** 214-***-****

Career Summary

Results driven Quality Control /Auditor and Quality Assurance Manager specializing in Mortgage, Banking, Consumer Lending and Finance

Education

Bachelor of Science Degree: School of Technology, Purdue University, West Lafayette, IN

CFE: Certified Fraud Examiner’s License 2017 - 2018 and AIAC: Auto Independent Adjuster Certification

Skills

Mortgage Quality Control / Auditing and Quality Assurance (QA), Conduct Vendor Business Reviews, Mortgage Underwriting, ENCOMPASS, Lexis Nexis, Fraud Investigation, Excel, PowerPoint, Word, VISIO, Archer, Lean Six Sigma, Lead Risk and Control Self-Assessment (RCSA) Workshops, Risk Remediation Planning, Test Script Development for Compliance and Operational Testing, Process and Procedure Development and Flow Chart Mapping, Process Improvement, Data Analysis, Project Management, Reporting, Power BI and Tableau experience

Experience 2001-2024

Senior Compliance Specialist (RCSA) – Mortgage Wells Fargo Irving, Texas August 2022 – September 2024

●Planning and executing the test of design, operating effectiveness and compliance to regulations and processes and procedures for RCSA (Risk & Control Self-Assessment) controls within required time frames

●Effectively communicating the testing or validation process, status, and results to business and risk partners

●Writing and/or reviewing reports or presentations that articulate the results/conclusions of testing or validation activities

●Effectively communicating with (Testing and Validation) T&V Leadership and escalating validation concerns or issues as appropriate

●Identifying and implementing efficiencies and process improvements

●Providing credible challenge and recommendations to Leadership as needed

●Developing clear and concise data / reporting using Power BI and Tableau

●Assisting in managing change to ensure an effective risk management program

●Working Hybrid

QA Mortgage Underwriter / Auditor Nationstar Mortgage AKA Mr Cooper Coppell, Texas December 2020 - April 2022

●Re-underwrote closed loan files to ensure the loans met agency or lender guidelines

●Analyzed financial and credit information to ensure that the underwriting decisions and associated conditions met internal underwriting standards, investor guidelines, and federal regulations

●Performed investigations to identify potential fraud through re-verification documents such as Lexis Nexis

●Compiled, analyzed, and documented loan data and credit risks associated with the borrower and property serving as security for the proposed mortgage

●Provided clear and accurate communication to team members, management, sales and customers (as needed) regarding the findings of the audit reviews and the file documentation needed on FNMA, FHLMC, HUD and VA loans including Desktop Underwriter (DU) and Loan Prospector (LP) loans

●Provided feedback and training to frontline underwriters to assist with performance improvement and developmental opportunities

●Achieved all assigned Performance Standards to include loan quality, productivity, turn times and customer satisfaction

●Worked remotely

Senior Business Risk and Controls Analyst Caliber Home Loans Coppell, Texas February 2020 - December 2020

●Developed framework for mortgage company’s RCSA Program, Testing team and Issues Management cross functional activity

●Conducted workshops with Lines of Business to understand mortgage processes and identify and assess risk and manage high risk areas

●Created risk and control matrix and process flow (VISIO) for each LOB and identified risks, controls and gaps

●Evaluated adequacy/sustainability of controls through testing (driven by investor guidelines, regulations, law, etc.)

●Worked with Issues Management team to develop, implement and monitor remediation action plans for gaps

●Worked remotely

Quality Control - Senior Business Systems Risk Consultant Apex Systems Dallas, Texas October 2018 - July 2019 (Contract Employment for Wells Fargo)

●Ensured quality for end-to-end risk and regulatory reports (BAU, FFIEC, FRY, Pillar, IPRISK, Funding/Liquidity, Projected Liquidity, FRB Recovery, etc,) through regulatory compliance testing

●Quickly learned different processes across multiple lines of business

●Applied business systems analysis, IT systems security and business process management in order to identify quality issues with process maps, procedure documents and risk and controls in the process within a business unit

●Performed quality risk assessment to enable evaluation of processes and other operational risks, identification of controls and determination of gaps

●Acted as compliance subject matter expert and documented findings when COSO, G&O, EDG requirements/ policies and data management standards were in violation

●Partnered with business unit to resolve compliance, operational risk management including (audit, legal, credit risk, market risk and process /business management) quality issues

●Validated corrections and process improvements and presented final quality artefacts within deadlines to stakeholders/ management

Fannie Mae May 2001 - June 2018

Senior Credit Risk Analyst Fannie Mae Plano, Texas May 2013 - June 2018

●Managed Project for the start-up operations for the Data Validation Center (DVC) Department

●Hired and trained new Credit Risk Analysts and contractors

●Created / Authored process, procedures and flow charts for the department

●Completed functionality testing for new DVC system and created use cases to execute testing and tracked defects

●Decreased customer exception rates through communicating corporate policy and encouraging the successful adaptation of these practices

●Provided customers with trend reporting and business reviews to create pricing adjustment and repurchase balance awareness

●Researched value and credit related fraud and created new tools for detection

●Worked with Internal Audit to resolve department internal audit findings

●Created scripts to open/close DVC loans in bulk (Process Improvement / Efficiency)

●Worked remotely

Quality Control Mortgage Team Leader Fannie Mae Dallas, Texas June 2009 - May 2013

●Managed project for the start-up operations of the Quality Control (QC) Department

●Trained new Quality Control Underwriters and continued to develop existing employee base

●Created/Authored process, procedures and flow charts for the department and implemented process improvements

●Created error bounce back process (Process Improvement) that transformed the Quality Control Department from being informational to an area of loss mitigation

●Worked with internal system engineers to design, create and test an ACCESS-based database utilized in daily work

●Managed the day-to-day activities of over twenty Quality Control Underwriters

●Analyzed QC results and performed monthly business reviews for vendors and internal customers

Quality Assurance (QA) Mortgage Underwriter Fannie Mae Dallas, Texas May 2001 - June 2009

●Conducted on-site audits of mortgage loans and communicated results to lenders on FNMA and FHLMC loans including DU and LP Automated Underwriting Systems

●Prepared a written summary of findings for lenders when there was a potential risk

●Underwrote closed loans (internally), reviewed for credit, collateral quality, compliance with guidelines and performed fraud investigations

●Worked remotely

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