Loss Mitigation Risk Analyst

SHANETRA CULPEPPER

972-***-**** ● *********@*****.*** ● Forney, TX 75126

Forward-thinking Fraud and Risk Analyst with proactive approach to identifying and mitigating potential threats. Demonstrates assertive problem-solving skills and keen eye for detail in high-pressure environments. Adept at communicating complex issues clearly and working collaboratively to achieve security objectives. Driven to excel in fast- paced settings, consistently delivering innovative solutions to safeguard organizational assets. EXPERIENCE

Fraud Operations - Investigator MBO Partners

AUG '24 - PRESENT

Conducting investigations of Fraud cases, documenting investigative findings, and determining whether the case should be escalated/referred for further review or action

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Understanding and applying procedures, including procedural changes throughout the engagement, into the investigation

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● Analyzing transactional data and conducting internal and external research on subjects using a variety of research tools

● Identifying scenarios which merit a suspicious activity report ('SAR') to be filed

● Accurately and thoroughly gathering necessary artifacts for SAR development

● Drafting SARs to be filed to FinCEN by clients, where necessary

● Articulating findings in a clear, concise manner that considers the client's risk appetite

● Meeting production targets and quality standards

● Maintaining a strong level of independence and time management skills

● Maintaining high attention to detail

● Reviewing and investigating customer profile information (PII, email, phone, etc)

● Gathered and analyzed information from variety of sources to assess completeness and validity. Loss Mitigation Specialist ServiceMac LLC, A First American Company JAN '24 - AUG '24

Serve as Single Point of Contact for borrowers involved with Loss Mitigation while simultaneously abiding by all state, federal and investor guidelines

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● Audit all incoming Borrower Response Packages to determine completeness

● Timely send all required acknowledgement and other letters to borrowers in response to incoming BRPs Follow up with borrowers with the ultimate goal of accumulating the complete financial package required to perform a loss mitigation review

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Assist with quality control on loss mitigation decisions, modification documents, denials, and other pertinent qualifying information to underwrite modifications

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● Occasionally serve as a back-up for Loss Mitigation Analysts

● Prepare complete and accurate call notes, decisions, documentation, etc., and update customer files in BITB

● Assist with internal and external audits as they relate to loss mitigation functions

● Communicate effectively with individuals to ensure high quality and timely response and resolution to issues Make outbound and take incoming loss mitigation calls to borrowers; provide loss mitigation options, communicate options, and follow up with borrows to obtain outstanding required financial information

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● Lead activities and projects designed to improve business performance when assigned Respond to escalated borrower phone calls and provide detailed, thorough explanations of denials and approvals, calculations, and criteria

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Perform all tasks in compliance with applicable regulatory standards, guidelines, and rules established by the Bank, investors, state and federal regulatory authorities, and local ordinances

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Identify and stay current on changes in industry regulations, and recommend updates to internal policies, procedures, policies, and systems based on new/changed requirements

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Provide accurate and complete information to resolve issues, and follow up on any outstanding issues or commitments promptly and when promised

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● Maintain and update procedure manual to ensure internal procedures comply with investor and regulatory requirements

● Perform other duties as assigned

Meet established standards and guidelines with regard to compliance, job knowledge, quality, attendance, efficiency, initiative, customer service, and overall performance

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● Maintain customer confidence by providing ongoing quality service and keeping all files and information confidential

● Maintain up-to-date knowledge and compliance with internal policies and procedures

● Understand and ensure compliance with laws, rules, and regulations affecting our institution Senior Compliance Specialist Wells Fargo via Aston Carter DEC '22 - DEC '23

● Provide support in reporting findings related to applicability of state and Federal banking regulations

● Make decisions and resolve issues to meet business objectives

● Interpret policies, procedures, and compliance requirements

● Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements

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● Manage and ensure accuracy of data

● Research new regulatory rules to determine which line of business to assign applicability

● Establish and maintain effective relationships with various teams HL Underwriter- Correspondent Lending JPM Chase

FEB '21 - NOV '22

Performing risk analysis and forensic review on client mortgage loan files to ensure no fraud was committed during the Originations process

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● Diligently identifying transaction components that indicate the potential of fraud within the loan documents Analyze credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals, and all applicable compliance documents

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Performing sufficient investigative work to detail and resolve any fraudulent issues that have been subsequently identified

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● Reviewed Private, FNMA, and FHLMC Agency loans

Senior Business Analyst JPM Chase

JAN '18 - FEB '21

Conducted testing, planning, and execution of Early Resolution application testing, working with process owners, business and Digital managers, functional areas, customer experience/design team and development teams

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● Executed complex test strategies involving internal Chase applications, 3rd party vendor applications Provided testing support for large, complex, technology-dependent programs and projects that cut across all phases of the testing lifecycle

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● Managed defects to monitor and report on the defect resolution Groom stories to a level of detail that will enable code to be written and tested without defect; write acceptance criteria and generate test scripts

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● Identified areas of improvement in current processes by utilizing root cause analysis techniques. Maintained a repository of business rules, user stories, use cases, flowcharts, and other documents related to current systems.

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● Provided support during user acceptance testing phase ensuring successful implementation of new applications. Modification Solution Underwriter II JPM Chase

JUL '11 - JAN '18

Maintains vast knowledge of all FHA, VA, USDA, FNMA, FHLMC loss mitigation guidelines for portfolio retention and disposition polices; implements change management for new programs, develops and deploys process updates for department

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● Responsible for incoming loss mitigation workout package pipeline and full closing process for all waterfall options Oversees quality control and audit checks all loss mitigation transactions; reviews, approves and denies opener, closer, underwriting and specialist transmittals for accuracy and quality

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● Spot checks start to finish

Acts as the subject matter expert for all lead/agent level related questions and escalation contact for all staff members as related to loss mitigation, not limited to appeal and escalation management, title orders and recordings, document preparation, investor delegation submissions and departmental inbox requests

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Quality Analyst/Sr. FHLMC/FNMA Underwriter Newbold Advisors/JPMChase AUG '10 - JUL '11

Completes quality control review by analyzing file values, documentation, and calculations provided by the analyst/reviewer, and scores the review according to the current departmental quality guidelines

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● Completes required department deal audits monthly to ensure compliance and quality

● Maintains records and reports to QA Supervisor on Underwriters deal performance

● Generate scorecards to diagnose opportunities for quality improvement and implementation of solutions Provides feedback and coaching to improve Associate's ability to provide superior customer service, comply with department guidelines and execute superior underwriting, and loss mitigation skills

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● Communicates feedback to Below Expectations performers monthly to ensure execution of loan production Underwrite residential loans to qualify homeowners for MHA, PRA, and CMP programs, according to company and investor guidelines

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● Validate income, assets and collateral documents including self-employed tax returns

● Extensive customer contact to review, and ensure proper documentation is received for decisioning files

● Responsible for training of new employees in addition to ongoing training of Loss Mitigation team Team Leader/ Job Coach GMAC Mortgage LLC

DEC '08 - AUG '10

● Coach and trained a group of 7 contractors

● Provided performance feedback and compile and analyze statistical data relative to unit productivity

● Monitor live calls and provide feedback to the manager staff

● Provided advice and answered questions concerning loan resolution activities Loan Resolution Specialist GMAC Mortgage

SEP '06 - DEC '08

● Receive inbound calls to determine the financial capacity and commitment of each homeowner Provide customized solutions to provide the right solution for the homeowner-increasing overall portfolio homeownership quickly and effectively solve customer challenges

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● Direct contacts with attorneys to hold, cancel, postpone, or proceed with foreclosure sale

● Processes repay plans, reinstatements, modification, and short sale referrals

● Maintained a thorough understanding and adhered to policies and procedures to meet all individual and team goals

● Perform special projects as directed by manager

EDUCATION

Bryan Adams High School, Dallas, Tx

High School Diploma

SKILLS

AML compliance Anti-fraud systems Activity monitoring Transaction monitoring Transaction review Data analysis Dispute resolution Fraud detection Transaction analysis Pattern detection Analytical thinking User acceptance testing Gap analysis Quality assurance

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