Senior Analyst Customer Service
Resume:
Annette K Bordes
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SUMMARY OF QUALIFICATIONS
Diversified Senior Analyst with a background of Risk Management, Auditing, Compliance, Due Diligence, KYC, Real Estate, Acquisitions, Property Management, Default Servicing, Customer Service and Collaborates with Senior Management to ensure quality and drive profitability and lessen error to cut costs to the organization. Exceptional Interpersonal and Communication Skills and excellent organizational skills, with the ability to prioritize and meet critical deadlines.
Work Ethic and Professionalism, I am professional; dependable and devoted to adhering to the rules and regulations of the Federal Guidelines and ensuring outstanding client satisfaction. PROFESSIONAL EXPERIENCE
SBA ODA/PDC Dallas, TX
Loan Specialist/Team Lead June 2020 to Current
Responsibilities As a Loan Specialist Process home and/or business loans and make recommendations on collateral needed to secure loans. Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans. Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries. Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions. Process loan applications on web-based computer system. Respond orally and/or in writing to applicants or their representatives. Making recommendations or decisions to approve or decline residential or business loans; Investigating and evaluating credit histories to determine credit worthiness of individuals or businesses; AND Processing loan applications using a computer system. Role performed Team Lead for the Covid 19 pandemic. Treliant Addison, TX
Compliance December 2019 to February
2020
Reviewed loan application documentation, with subject matter expertise and understanding of SCRA and regulations, to effectively manage complex and diverse quality operations and procedures. Served as point person to update high volume database, ensuring information was current for audits. Trained new team members and cross trained within department to share knowledge. Conducted compliance loan file review analysis for Servicemembers Civil Relief Act (SCRA) protected accounts, including mortgages, consumer loans, and credit cards. Scrubbed files to make ready the Service members qualifications for SCRA programs offered. Verified dates of enlistment to determine if service members qualify for programs. Enter data and document spreadsheet.
Identified and verified exceptions within files.
Performed quality control reviews and prepared report findings. Confirm and determine if service member qualifies for SCRA related services. Received training and certification for SCRA Benefits Specialist. Loan Depot Plano,
TX
Annette K Bordes
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Loan Processor July 2019 to December 2019
Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of redit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. Regarded as most productive loan processors, handling an average of 22 files monthly. Outperformed company average in achieving loan-processing turn-around time of 12 days or less (compared to typical 15 to 20 days). Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings. Processed challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
PROFESSIONAL EXPERIENCE (CONTINUED)
Strategic Staffing/Capital One Plano,
TX
Compliance/AML Fraud Analyst II May 2018 to March
2019
Conduct fraud and financial crimes investigations; Participant in the general oversight of the BSA/AML/Sanctions Program including carrying out the direction of the LOB's and all aspects of the BSA/AML Compliance Program to enforce the adherence to the banks BSA/AML/Sanctions Risk Assessment Program:
(FCPA), OFAC, UK Bribery Act. Including Due Diligence background - vetting of 3rd parties exp (DDQs- due diligence questionnaires). Reviewed stale dated escalated account relationships including any OFAC or derogatory news and work to determine whether the Bank has the risk appetite to continue a relationship with the customer or business entity. Write SAR's / update filed SAR's and or validate adjustments to customer risk scores values. Helped determine if high-risk customers require more frequent or stringent monitoring based upon the enhanced due diligence information obtained.
Rushmore Loan Management Services, LLC Farmers Branch, TX
Senior Compliance/Paralegal Analyst III February 2014 to July 2017
Provide vendor support to ensure that proper KYC processes are followed, trained and supported a staff to create/maintain logs for all received and reviewed cases, provide insight for continuous process improvements for onshore/offshore operations. Managed offshore team of ten (10) associates and provided technical assistance and training. Prepared weekly/monthly reports to Compliance Sr. Management and other key stakeholders. Write suspicious activity reports (SAR), files Currency Transaction Reports (CTR's), address sanctions alerts, and other applicable AML processes in accordance with regulations and time limitations. Identify major problem areas within the case review process for escalation to management and coordinate workflow to ensure the population is worked by the highest priority. Maintain strong working knowledge in the use of AML, risk mitigation tool, within the name screening department, due diligence research, and web-based investigation techniques. Conduct searches gathered data and recorded evidence from internal systems, internet, commercial databases and inquiry with business or compliance contact within the organization. Perform the necessary enhanced due diligence
(EDD), which reduces the risk to the bank. Including Anti-Bribery/ Anti-Corruption background & exp with FCPA (Foreign Corrupt Practices Act) / UKBA (UK Bribery Act) Due Diligence background - vetting of 3rd parties and Conduct background research, analysis and due diligence that will be included in summary/conclusion section of the case narrative. Annette K Bordes
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GreenTree Mortgage f/k/a MetLife Home Loans, N.A. Irving, TX Senior Compliance Analyst II January 2012 to February 2014
Procure financial documentation and transaction information from internal areas, researching and identifying potential issues and reporting results to Fraud Investigative Unit (FIU), state or federal law enforcement for further investigation. Conduct data evaluation and analysis to assist (FIU) in identifying activity patterns, targets, and relationships to prevent anti money laundering and terrorist financing. Ensure Currency Reports (CTR), Suspicious Activity Reports (SAR), and Suspicious Transaction Reports (STR) is filed in accordance with regulatory requirements. Reviewed cash transactions primarily over 10K, as well as those possibly structured to avoid transaction thresholds. Run information against OFAC, FPCA, UKBA and OSFI terrorist watch list and various databases to flag potential problems. Maintain knowledge of red flags and unusual characteristics of money laundering and terrorist financing. Conduct financial investigations and Enhanced Due Diligence (EDD) to mitigate regulatory, reputational and compliance risk pertaining to client on boarding for Senior Public Figures
(SPF) and Correspondent banking entities.
PROFESSIONAL EXPERIENCE (CONTINUED)
Bank of America Addison, TX
Foreclosure Specialist August 2009 to December
2011
Manage Pre-Sale Foreclosure processes on Prime and Subprime Loans for FHA, VA and Conventional Loan types. Ensure that Investor, Insurer, Government Agency and CHL guidelines are met. Anti-Bribery/ Anti- Corruption background & experience with FCPA (Foreign Corrupt Practices Act) - vetting of 3rd parties experience including (DDQs- due diligence questionnaires). Maintain a high level of quality service with internal/external customers. Manage a full portfolio of time-sensitive loans.
Ensure that the Foreclosure Attorney continually expedites the Foreclosure process in accordance with allowable timeframe. Ensure that data and documents required by the Attorney are provided in a timely manner. Ensure that exceptions are addressed in a timely manner to avoid delays in the Foreclosure process (i.e. Title issues, payment disputes, property preservation and damage issues, etc.) Calculate and providing figures related to Foreclosure Sale Bids and Judgments required of the Attorney. Benedict College Columbia, SC
Business Admin.
SAP, AS400, SIX SIGMA, MS OFFICE, LEXIS NEXIS, LSAMS, RESPA, HAMP, FFDCPA, GLBA, LPS, SHAREPOINT, FHA/VA, MSP, FORTCAS, MICROSOFT OFFICE, DU/LP, HMDA, TILA, ECOA, ACTIMIZE, ACAMS Certification Candidate (PROTIV -Schedule August 2019) APR WIN
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