Risk and Control
Resume:
Antoine McKenzie, MBA
Cedar Hill, TX 75104
*****@*******.***
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, SNOW, Sharepoint, JIRA
LICENSE: Life Insurance
EMPLOYMENT HISTORY:
Senior Lead Operational Risk Officer, 11/23 – 9/24 (Contract) DISYS - Wells Fargo, Remote
Operational Risk Business Oversight (ORBO):
Attended pre-workshop, workshop, and post-workshop meetings to identify, discuss and evaluate operational risks present in a given Risk Assessable Unit (RAU) in accordance with Risk and Control Self-Assessment (RCSA) guidelines. The process flowed through Risk Identification, Inherent Risk Assessment, Control Identification, Control Assessment, and Residual Risk Assessment and Response. Inherent Risk Rationale discussions included risk ratings and likelihood, and the financial, regulatory, customer and reputational impact absorbed by the RAU for a materialized risk. Discussions were also held with the RAU owner and team to identify, assess, and rate specific controls in place to mitigate identified risks. With controls in place, Residual Risk Assessment and Response with the RAU owner and team were then discussed.
Communicated Front Line’s (FL) Operational Risk Questionnaire (ORQ) responses to Risk Type Team (RTT) partners to provide their in-depth expertise within their specific risk type discipline or horizontal program. This was done to determine if a specific risk should or should not be accepted by the RAU.
Collaborated with RTT and Business-Aligned Compliance Officer (BACO) and challenged FL RCSAs, where appropriate, to have an aggregated view of operational risk across the enterprise.
Analyzed and provided feedback on the RAU’s data exported in Microsoft Excel.
Advised the RAU owner and team of any concerns identified in workshop or observed in review of the ORQ, Fact Pack, SIPOC (Supplier Input Process Output Customer) model and Base File (if applicable), SNOW extract, or the RAU Owner’s Report.
Attended and participated in mock Review and Challenge Board (RCB) and actual RCB sessions and provided input/feedback from ORBO’s perspective as appropriate.
Attended and participated in post-RCB recap meetings and provided contribution from ORBO’s perspective, as needed, towards Affirmation.
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.
Ensured control procedures addressed data governance and data validation in all controls where data was utilized as an input to the LOB’s process.
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) Newbold Advisors - BNY 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) Newbold Advisors - 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) Randstad - 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.
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.
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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