Quality Control Risk Management

LAURIE A. SMITH

615-***-**** ***************@*****.***

Nashville, TN

Ensure business divisions operate within the policies, procedures, and guidelines set forth by the company, state and federal regulators. Perform audits to confirm compliance. Recommend and facilitate training to align divisional results with company goals. EXPERIENCE

Compliance / Risk Management / Loss Prevention / Training QC Auditor / Underwriter 12/20 – 12/24

PHOENIX -Trading Mortgage Svcs. Analytics

Evaluate closed loans for purchase infractions, underwriting discrepancies and fraud.

Audited Conventional, Governmental, USDA, Reverse Mortgages, DSCR and Portfolio loans for compliance with industry and client (underwriting, DTI, LTV and collateral) guidelines. Also reviewed FHA EPD (early payment default) loans to determine potential underwriting deficiencies contributing to the EPD.

Used Encompass to review files and ACES to record inconsistencies and underwriter inaccuracies. QC Remediation Supervisor 6/20-12/20

GRANITE SOLUTIONS GROUPE (Wells Fargo -Contract)

Assigned and monitor quality control reviews, perform escalated peer reviews and executed projects.

Allocated quality control assignments to analyst and supervised accurate and timely completion.

Assisted with training of systems, correction of errors and forwarding of projects to associates and leadership.

CITIZENS BANK (formerly) Franklin American Mortgage Company, Franklin, TN QA & QC Compliance Officer 2015-2019

Executed quality assurance and quality control audits, prepared detailed performance reports, while training colleagues on internal FAMC systems.

Assisted in the restructure of QA/QC assessments, in an effort to establish continuity and ensure UDAAP compliance.

Reviewed recordings of client/partner communications to guarantee appropriate supervision of customer accounts, aided in consumer loyalty and account retention.

Provided ongoing performance recommendations which resulted in above average departmental internal audit scores.

Customer Complaint Manager

Managed the daily oversight of company-wide complaints.

Initiated and managed a campaign which turned 95% unfavorable BBB reviews into 80% positive.

Developed and managed policy and procedures.

Researched and resolved all Regulatory, Attorney General & Social Media complaints and cross- trained support teams.

Administered monthly meetings with Executive Leadership & Servicing Partners to address root causes, procedural changes and risk management.

Assisted in regulatory audits and aided in IT upgrades associated with complaint reporting. Internal Auditor

Used analytical and investigate skills to examine business partner’s compliance with policy and procedures. Trained colleagues on mortgage terms, customs and processes in preparation for audits.

Assisted in the establishment of the internal audit department, including the development of policy and procedures.

Created audit work papers, produced final reports and communicated findings and recommendations to Executive Leadership.

Project Manager / Closer - (Contract) 2008 to 2015 LOGOS REALTY CLOSING SERVICES, Brentwood, TN

Established company guidelines, while assisting in daily operations of analyzing and closing loans.

Developed policy and procedures used to sustain compliance with State and Federal regulations. Analyzed HUDs, title policies, trust agreements, power of attorneys, & subordinations for discrepancies and compliance.

EDUCATION

Dual Bachelors in Accounting & Business Administration Middle Tennessee State University --MBA - University of Phoenix (impending) Continued Education Certs.

TRID, HMDA, UDAAP, BSA, AML, SAR FCRA, CIP, SCRA, ADA

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