Mortgage Loan Payroll Specialist
Resume:
RADHIKA THIYAGARAJAN
*******.***@*****.***
Results-driven professional with 6 years of experience in Banking, mortgage loan assistance, payroll management, bookkeeping, and quality assurance (QA) testing. Demonstrated expertise in SAP financial accounting, e-commerce website development using PHP & MySQL, and data analysis. Skilled in manual and automation testing with Selenium, as well as project management and financial proficiency. Known for providing exceptional support in financial operations, streamlining processes, ensuring compliance, and driving performance improvements. A strong communicator and team player with a focus on delivering high-quality results in fast-paced, dynamic environments. BOI Specialist & Payroll Specialist
05/15/ 2024 To till Date
Professional Accounting & Consulting Services – Mason, OH As a BOI Specialist, my primary role was to ensure the accurate identification and verification of Beneficial ownership Information for clients, ensuring compliance with relevant financial regulations. Key responsibilities included:
• Identifying Beneficial Owners: Collected and verified details of individuals who owned or controlled 25% or more of the entity.
• Data Collection & Verification: Conducted thorough due diligence, gathering key information such as names, dates of birth, addresses, and ownership stakes of individuals controlling the business.
• Monitoring & Risk Management: Identified and flagged any discrepancies, potential fraud risks, or hidden ownership structures within mortgage loan applications.
• Collaboration with Legal & Compliance Teams: Worked closely with internal teams to ensure BOI compliance, supporting audits, investigations, and reviews of suspicious activities.
• Record Maintenance: Maintained up-to-date, secure records of BOI for all Companies ensuring data accuracy and meeting record retention requirements. This role required strong attention to detail, regulatory knowledge, and the ability to navigate complex ownership structures in the financial industry. Followed all company policies and procedures to deliver quality work. Collected, arranged, and inputted information into a database system. protect operations by keeping information confidential.
As a Payroll Specialist, I was responsible for managing payroll systems and ensuring compliance with federal, state, and local tax regulations. Key responsibilities included:
• Ohio Withholding Tax: Applied and managed Ohio state income tax withholding for employees, ensuring accurate deductions in line with state tax regulations.
• Job and Family Services Compliance: Ensured compliance with Ohio’s Job and Family Services, including reporting of new hires and coordination of state benefits.
• Worker’s Compensation: Processed and maintained worker's compensation records, ensuring that all claims were accurately filed and tracked in compliance with state law.
• Local Tax Compliance: Managed local tax withholdings and filings for employees working in Ohio municipalities, ensuring adherence to local tax laws.
• Penny Debit Check: Performed penny debit checks to verify direct deposit account details and ensure proper setup for employee payroll deposits.
• Tax Takeover: Handled the processing of tax takeover for new employees, ensuring the proper transfer of tax records from previous employers.
• Direct Deposit Applications: Managed employee direct deposit applications, setting up and verifying banking details to ensure timely and accurate payroll distribution. This role required excellent knowledge of payroll systems, tax compliance, and the ability to accurately process and maintain sensitive financial records.
Accounts Payable Clerk (ACH Specialist)
12/07/ 2024 To 05/04/2024
Cintas – Mason, OH
As an ACH (Automated Clearing House) Specialist, I was responsible for overseeing ACH transactions and ensuring the smooth processing of electronic payments. Key responsibilities included:
• Processing ACH Transactions: Managed the processing and clearing of ACH payments for clients, ensuring timely and accurate transactions.
• Payment Reconciliation: Reconciled ACH payments, ensuring that all debits and credits matched account records and bank statements.
• Fraud Prevention: Monitored ACH transactions for potential fraud, taking appropriate steps to resolve discrepancies and prevent unauthorized activity.
• Client Communication: Coordinated with clients to resolve issues related to ACH payments and provided assistance with ACH enrollment and setup.
• Compliance & Regulation: Ensured compliance with NACHA (National Automated Clearing House Association) rules and federal regulations surrounding ACH transactions.
• Dispute Resolution: Managed and resolved ACH payment disputes, working with clients and financial institutions to address discrepancies and correct errors.
• Account Setup & Maintenance: Set up ACH payment instructions for clients and maintained accurate records of bank account details for successful transactions. This role required a strong understanding of electronic payments, attention to detail, and the ability to work effectively under tight deadlines.
Mortgage Assistant
08/10/2020 - 05/11/2023
1st National Bank – Mason, OH
As a Mortgage Loan Assistant, I provided comprehensive support throughout the mortgage loan process, ensuring efficient loan processing, customer satisfaction, and compliance with banking regulations. Key responsibilities included:
• Loan Application Processing: Assisted in gathering and reviewing loan application documents, ensuring all necessary paperwork was complete and accurate.
• Customer Support: Communicated with customers to explain the loan process, collect required documents, and address any questions or concerns.
• Document Verification: Reviewed mortgage applications for compliance with underwriting guidelines and regulatory requirements.
• Mortgage Documentation: Prepared and organized mortgage documents for processing, approval, and closing, ensuring all information was correct and complete.
• Loan Pipeline Management: Managed the loan pipeline, tracking the status of applications and ensuring timely processing and approval.
• Compliance & Regulations: Ensured adherence to internal bank policies, federal, state, and local regulations in all aspects of loan processing and documentation.
• Collaboration with Underwriting & Sales Teams: Worked closely with underwriting and loan officers to resolve issues and expedite loan approvals.
• Client Relationship Management: Developed and maintained strong relationships with clients, providing updates on loan status and answering any inquiries regarding the process. This role required strong attention to detail, excellent organizational skills, and a customer-oriented approach in handling sensitive financial data. Used Encompass Software Bookkeeper,
08/23/2019 - 03/11/2020
Chabad Jewish Academy – Mason, OH
As a Bookkeeper, I was responsible for maintaining accurate financial records, processing transactions, and ensuring compliance with accounting standards and regulations. Key responsibilities included:
• General Ledger Maintenance: Managed and maintained the general ledger, ensuring accurate recording of financial transactions and proper classification of expenses and revenues.
• Accounts Payable & Receivable: Processed and reconciled accounts payable and accounts receivable, ensuring timely and accurate payments and collections.
• Bank Reconciliation: Conducted monthly bank reconciliations, ensuring that all transactions were accurately recorded and aligned with bank statements.
• Financial Reporting: Assisted in the preparation of monthly, quarterly, and annual financial reports, providing insights into financial performance for management review. This role required strong attention to detail, knowledge of accounting principles, and proficiency in QuickBooks & Microsoft Excel.
Education
Bachelor of Commerce (B. Com)
Madras University – Jaya College of Arts & Science, Year of Graduation- 1999 Post Graduate Diploma in Computer Applications (PGDCA) Micro Computer Services -1997
QA Testing: Manual & Automation Testing, Selenium
H2K Infosys - Atlanta, GA 06/2024 – 03/2025
CERTIFICATIONS
SAP - Financial Accounting & Excel for Accountants Mapping Tables Project Management Fundamentals Communication Management E-Commerce Website in PHP & MySQL from Scratch Financial Proficiency for Adults. Testing Certification
Technical Skills
QA Testing: Manual & Automation Testing, Selenium
System design and development: Agile methodology (SCRUM), OOPS concepts, Design Patterns
Languages/Frameworks: Java 17, TestNG
Automation Testing Tools: Selenium WebDriver/RC/Grid, Cucumber
Web Technologies: HTML, CSS, Java.
Tools: Eclipse, JIRA, Maven, Tosca.
Database: MYSQL
Operating Systems: Windows 10, Windows Server 2008/2008R2/2012
Banking & Finance: Mortgage Loan Processing, BOI Specialist, Payroll Specialist
SAP & Accounting: SAP Financial Accounting, Excel for Accountants, Financial Proficiency
Development: PHP, MySQL, Website Development
Project Management: Fundamentals, Communication Management
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