Compliance Analyst Senior Lead

Christina Nourisharghy

************@*****.***

Objective

To obtain long term employment with a well-established financial institution.

Education

North Lake College; Irving, TX

Degree: Associate of Arts

08/2003-12/2006

Graduation date: 12/2006

University of North Texas; Denton, TX

Degree: Bachelor of Arts

01/2007-08/2010

Graduation date: 08/2010

Professional Experience

Franklin American Mortgage (Citizens Bank), July 2016 - August 2022

Ending Title: Senior Lead Compliance Analyst

Manager: Sean Devine Ph: 817-***-**** ****.******@************.***

-Worked directly with all departments and brokers to ensure that the loans pass compliance rules and follow regulations such as Regulation B, Regulation Z, Respa,TILA/TRID, AML (CFPB knowledge)

-Researching, Problem solving, and decision making skills /Quick learner/Enjoy working with a team.

-Consistently exceed daily departmental goals

-Full knowledge of mortgage processes and procedures in Wholesale /Servicing and Origination including but not limited to: Interest rates, pricing, fees, FICO, underwriting, closing, funding, payoffs, mortgage contracts, and rules and regulations internally and nationwide. (QA/QC other teammates as well) Also insured that loan’s stayed in compliance with loan types such as VA, FHA, Fannie Mae and Freddy MAC and more.

-Confirmed all of our investor’s rules and regulations were followed accurately. Worked closely with management and AVPs to validate that other departments were following investor’s guidelines.

- Performed testing & auditing on internal compliance software when changes were made

-Met risk and controls testing commitments in a timely manner as well as data pulling/ loan research.

-Assisted in updating and implementing compliance policies and procedures across the company

-Full knowledge of Origination in wholesale and servicing. Worked in all compliance ques to answer questions and solve problems that brokers and employees have on loans

-Determined how the changes/updates affected the various business units and make recommendations to manager to revise in order to stay in compliance. Research and analyze state specific statutes, regulations, and any other government laws and regulations, as applicable, to determine each state's requirements for licensing/exemption requirements, restrictions and real estate lending practices.

NTT Data/Carlisle and Gallagher Consulting, November 2014- January 2016

Title: QA/QC/Bankruptcy/Research/Compliance

Manager: Kanta Hooper Ph: 972-***-**** *****.******@*******.***

-Provide analytical research and administrative support in regards to bankruptcy accounts.

-Assist in organizing data that will help track, report, and manage internal control gap issues and mitigation plans regarding bankruptcy guidelines and laws for one of the top five banks in the U.S.

-Worked on compliance and quality control measures in regards to Regulation B and Tila/ Trid for mortgages and accounts for 3 of the top banks in the US.

- Maintain a strong understanding of the requirements for regulations, policies, and investors.

-Research Bankruptcy accounts and making reports regarding the data found. Conduct daily periodic testing of controls to ensure compliance with all federal, state, and investor guidelines.

-Develop and deliver crisp and impactful review summaries and spreadsheets that provide business management with a clear view of risk-based opportunities (both verbal and written) regarding the findings on the researched analyzed.

-Develop and maintain effective partnerships with Business, Risk, Compliance, and other Quality Control teammates.

Nationstar Mortgage LLC, September 2012-August 2014

Title: Account Services Analyst

Manager: Christina Wong Ph: (888-***-***** -(*********.****@**************.***)

Responsibilities:

-`Billing and Account Specialist

-Processed payments for many different types of loans and fee’s

-Data entry and (logging) of the daily deposits /return mail

-Knowledge expertise includes bank mergers and acquisitions, project office environment, written and verbal communications, coaching and mentoring, collaboration and team building, problem and root cause analysis, compliance research and internal control, business process improvement as well as Microsoft Office Suite.

-Sorted documents/mail/ payments electronically as well as create and generate letters for borrowers using excel every day.

-Implemented new programs as well as trained coworkers (audit and compliance), trained new hires and spoke with outside auditors on many programs, policies and functions throughout account services. Know how to pay and send out daily invoices received from our vendors.

-Completed quality control on my peers and ran accuracy checks on systems and programs we used daily to insure they are working correctly and consistently.

-Did research on borrower’s accounts to insure accuracy and completed compliance investigations and research on borrower complaints regarding their loans, investments, interest rates, payments and bankruptcy.

-Worked and communicated with other businesses and departments regarding borrowers accounts and complaints to insure everyone is working together to correct any errors and making sure I provide strategic direction on how to address the borrower and the next step in solving the borrowers concerns or questions.

Nationstar Mortgage LLC, April 2011 – September2012

Title: Mortgage Specialist

Manager/AVP: Thomas Leflore Contact: 888-***-**** (******.*******@**************.***)

Responsibilities:

Give excellent customer service with knowledge of the mortgage industry

Certified in Escrow and HAMP

On the response research team in Compliance {research analyst} ( Feb 2012-August 2012)

oReceive inquiries and resolved or forward them to the appropriate departments for a solution.

Solve customer’s problems, issues and concerns about their loan and make sure the loan is being processed accurately within the company’s policies and procedures as well as federal law guidelines.

Help the company grow by taking payments over the phone and talking to borrowers about refinancing to a lower interest rate.

Data entry of documents into the system as well as onto other spreadsheets

Skills and Accomplishments

Computing:

oStrong working knowledge of the Windows operating system, Microsoft Word, Excel, and PowerPoint. Proficient in internet navigation and research. Regular use of SharePoint.

oAble to type 50+ WPM

Organization:

oOrganized a pipeline of many pending research items. Excellent time management skills required to ensure that all items are completed in a timely manner.

oDetail orientated, goal driven and decision maker

oCapable of multitasking various job functions and implementing a strategy with my team or alone to get things done. Able to work under minimum supervision.

Teamwork and interpersonal communication

oTrained others while keeping up with my daily work.

oRegularly work as a part of a team with different members of research teams specializing in different subject areas and collaborating to resolve complex issues.

oIndependent Work Ethic

oMotivated, independent, hard worker. Worked most days without any input from supervisors and take on tasks without any requests being made. Consistently exceed expectations for efficiency and quality.

oAt citizens bank- made Lead and employee of the quarter 3 times.

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