Financial Analysis Risk Management
Resume:
Toyah Taylor
McKinney, Texas
***********@*****.***
Professional Summary:
Highly skilled and results-driven finance professional with over 15 years of experience in financial analysis, budgeting, forecasting, and reporting. Proven history in optimizing financial performance, implementing cost-saving strategies, and supporting decision-making processes through detailed financial analysis. Expertise in financial modeling, investment analysis, and risk management across diverse industries. Adept at leveraging advanced analytical tools and maintaining compliance with regulatory standards. Strong communicator and collaborator with a commitment to driving business growth and profitability.
Education:
Doctor of Philosophy in Psychology
Capella University — In Progress
Master of Science in Human Resource Management
Strayer University — 2021 – 2024
Bachelor of Science in Criminal Justice Administration
Strayer University — 2017 – 2020
Technical Skills:
Data Analysis & Reporting (Excel, SQL)
Fraud Prevention Tools (Actimize, SAS)
Microsoft Office Suite
Financial and Lending Software: Encompass, Loan IQ, Salesforce, Oracle
Regulatory & Industry Knowledge:
Regulatory Compliance: FCRA, PCI DSS, AML, KYC, KYB
Mortgage Lending Regulations & Compliance Standards
Documentation Management and Audit Readiness
Analytical & Problem-Solving Skills:
Strong Analytical and Investigative Skills
Critical Thinking and Risk Assessment
High Attention to Detail
Communication & Interpersonal Skills:
Excellent Written and Verbal Communication
Strong Interpersonal Skills
Cross-Functional Collaboration
Organizational & Work Ethic:
Exceptional Organizational and Time-Management Skills
Meticulous and Deadline-Driven
Ability to Work Independently and Under Pressure in Challenging Environments
Professional History:
Intuit (HYBRID)
Risk Analyst (Temporary)
2024-2025
Monitored transactions, customer behavior, and system alerts to detect potentially fraudulent activity.
Conducted in-depth investigations of suspected fraud cases, gathered evidence, and prepared detailed reports.
Collaborated with internal departments (e.g., Legal, Compliance, IT) to assess and mitigate risk.
Identified patterns and trends in data to develop proactive fraud prevention strategies.
Stayed updated on industry trends, emerging threats, and regulatory requirements.
Developed and delivered reports on fraud losses, risk exposure, and KPIs to senior management.
Recommend process improvements and controls to reduce risk exposure.
Conducted inbound and outbound calls from merchants to recover funds owed on accounts
Careington International (HYBRID)
Medical and Dental Credentialing Specialist (Temporary)
2024-2024
Coordinated the credentialing and recredentialing process for medical and dental providers.
Collected, reviewed, and verified provider documentation including licenses, certifications, education, training, work history, malpractice coverage, and board certifications.
Submitted and tracked enrollment applications to Medicare, Medicaid, and commercial insurance companies.
Maintained current and accurate records in credentialing databases (e.g., CAQH, PECOS).
Monitored expiration dates and proactively update provider credentials and documents.
Ensured compliance with NCQA, CMS, state, and federal regulations and standards.
Communicated with providers and internal teams to resolve discrepancies or missing documentation.
Conducted primary source verifications and background checks as needed.
Prepared reports and maintain logs related to credentialing status, timelines, and expirations.
Assisted with audits and regulatory surveys related to credentialing.
Served as a liaison between providers, insurance payers, and regulatory bodies.
Mr. Cooper (Remote)
Mortgage Banking Closer
2023-2024
Collaborated with loan processor and loan officer or funder from origination to close to ensure loan closing.
Kept the loan calendar up to date with active mortgage closings
Prepared, collected documentation, reviewed and closed loan packages or loan files
Entered data on loan closing documents in a timely manner
Confirmed loan compliance with all state and federal regulations and policies, as well as investor/mortgage lending product and program guidelines
Assured all information is correct and signed accurately in the closing documentation, third party orders, closing packages, and loan files
Reviewed all closing conditions are satisfied and executed according to closing instructions
Prepared and executed the transfer of lender funds for disbursement
Resolved any post-closing issues immediately
United Healthcare (Remote)
Medical and Dental Credentialing Specialist (Temporary)
2022-2023
Coordinated the credentialing and recredentialing process for medical and dental providers.
Collected, reviewed, and verified provider documentation including licenses, certifications, education, training, work history, malpractice coverage, and board certifications.
Submitted and track enrollment applications to Medicare, Medicaid, and commercial insurance companies.
Maintained current and accurate records in credentialing databases (e.g., CAQH, PECOS).
Monitored expiration dates and proactively update provider credentials and documents.
Ensured compliance with NCQA, CMS, state, and federal regulations and standards.
Communicated with providers and internal teams to resolve discrepancies or missing documentation.
Conducted primary source verifications and background checks as needed.
Prepared reports and maintain logs related to credentialing status, timelines, and expirations.
Assisted with audits and regulatory surveys related to credentialing.
Served as a liaison between providers, insurance payers, and regulatory bodies.
Rategenius (Remote)
Auto Title Verification Specialist
2022-2022
Verified accuracy and authenticity of vehicle titles, lien releases, power of attorney forms, and other supporting documentation.
Ensured that all vehicle titles met state and federal regulations for transfer, resale, or registration.
Identified title issues such as errors, branding (e.g., salvage, rebuilt), or missing documents and worked to resolve them quickly.
Communicated with DMVs, lenders, dealerships, and third-party vendors to obtain necessary paperwork and resolve discrepancies.
Entered and maintained accurate data in title management systems and internal databases.
Reviewed and processed electronic and paper titles in compliance with company policies and industry regulations.
Ensured lien satisfactions were recorded properly and confirmed lien-holder information was accurate.
Supported vehicle finance, sales, and remarketing teams by ensuring title readiness and compliance for inventory.
Stayed informed about changes in DMV rules and title procedures across various states.
Maintained confidentiality and security of sensitive customer and vehicle information.
Fairway Independent Mortgage (Remote)
Senior Mortgage Loan Processor
2021-2022
Interviewed prospective loan applicants and assisted them in finding the best loan products for their needs
Collaborated with the borrower to gather financial information such as credit reports, verify the accuracy to determine creditworthiness, and complete the mortgage loan application
Ordered property and loan documentation such as appraisals, inspections, title searches, site surveys, contracts, and property tax records to help process mortgage loan files
Prepared and submit detailed loan packages to the lender underwriting department for approval or denial
Functioned as a liaison between applicants, mortgage brokers and loan officers, real estate agents, and mortgage lending underwriters to help further loan approval
Ensured loan files meet lending and regulatory guidelines and policies
Maintained detailed documentation of the process in our system - from origination to close
Loan Depot (Remote)
Mortgage Banking Closer
2020-2021
Collaborated with loan processor and loan officer or funder from origination to close to ensure loan closing.
Kept the loan calendar up to date with active mortgage closings
Prepared, collected documentation, reviewed and closed loan packages or loan files
Entered data on loan closing documents in a timely manner
Confirmed loan compliance with all state and federal regulations and policies, as well as investor/mortgage lending product and program guidelines
Assured all information is correct and signed accurately in the closing documentation, third party orders, closing packages, and loan files
Reviewed all closing conditions are satisfied and executed according to closing instructions
Prepared and executed the transfer of lender funds for disbursement
Resolved any post-closing issues immediately
Independent Financial (Remote)
Mortgage Banking Closer
2019-2020
Collaborated with loan processor and loan officer or funder from origination to close to ensure loan closing.
Kept the loan calendar up to date with active mortgage closings
Prepared, collected documentation, reviewed and closed loan packages or loan files
Entered data on loan closing documents in a timely manner
Confirmed loan compliance with all state and federal regulations and policies, as well as investor/mortgage lending product and program guidelines
Assured all information is correct and signed accurately in the closing documentation, third party orders, closing packages, and loan files
Reviewed all closing conditions are satisfied and executed according to closing instructions
Prepared and executed the transfer of lender funds for disbursement
Resolved any post-closing issues immediately
Cardtronics
Senior Data Integrity Analyst
2019-2019
Assessed, validated, and maintained data integrity across multiple platforms and databases.
Identified root causes of data discrepancies and collaborated with cross-functional teams to implement corrective actions.
Developed and executed data quality audits, validation scripts, and reconciliation processes.
Created data integrity rules, benchmarks, and performance metrics to track ongoing data health.
Worked closely with IT, operations, compliance, and business analysts to ensure alignment of data policies and practices.
Ensured compliance with internal data governance standards as well as regulatory and industry requirements.
Led data cleanup initiatives, helped design data entry controls, and recommended process improvements.
Generated reports and dashboards to monitor data quality KPIs and communicated findings to stakeholders.
Mentored junior analysts and served as a subject matter expert on data quality best practices.
Stayed informed on evolving data governance frameworks, tools, and technologies.
National Bankruptcy (Remote)
Bankruptcy Quality Control Analyst
2019-2019
Audited Chapter 7, 11, and 13 bankruptcy files to ensure accuracy, compliance, and proper documentation.
Reviewed court filings, payment histories, and system notes to validate alignment with bankruptcy rules and servicing standards.
Identified errors or deficiencies in case handling, payment application, and document filing; issued findings and recommended corrective actions.
Verified Proofs of Claim (POCs), Payment Change Notices (PCNs), and Trustee communications were accurate and timely filed.
Collaborated with legal, servicing, and compliance departments to ensure cases were handled in accordance with federal regulations (e.g., CFPB, RESPA, FDCPA).
Tracked trends and recurring issues and helped develop process improvements to enhance quality and efficiency.
Maintained audit logs, generated quality control reports, and participated in internal and external audits.
Ensured strict confidentiality and data security while handling sensitive customer and case information.
Monitored procedural changes in bankruptcy law and adjusted audit practices accordingly.
Provided training and guidance to servicing staff on bankruptcy compliance best practices.
JPMorgan Chase
Senior Mortgage Loan Processor
2017-2018
Interviewed prospective loan applicants and assisted them in finding the best loan products for their needs
Collaborated with the borrower to gather financial information such as credit reports, verify the accuracy to determine creditworthiness, and complete the mortgage loan application
Ordered property and loan documentation such as appraisals, inspections, title searches, site surveys, contracts, and property tax records to help process mortgage loan files
Prepared and submitted detailed loan packages to the lender underwriting department for approval or denial
Functioned as a liaison between applicants, mortgage brokers and loan officers, real estate agents, and mortgage lending underwriters to help further loan approval
Ensured loan files meet lending and regulatory guidelines and policies
Maintained detailed documentation of the process in our system - from origination to close
Property Preservation Specialist
2016-2017
Monitored daily First Time Vacancy reporting, orders required initial secures and follow-up with the vendor to ensure completion within acceptable investor guidelines
Reviewed all Pre-Sale FTV Inspection Photos and documents property concerns
Reviewed all completed work orders to ensure the vendor’s allowable work is being utilized appropriately and bid work is being completed as required
Worked to ensure the vendor partner is addressing any emergent preservation issues within the company and investor guidelines to protect assets from further damage
Resolved all property violations
Bankruptcy Specialist II
2012-2016
Monitored and complete tasks associated with active bankruptcies in both the client and company systems
Took ownership of client metrics and court deadlines for the portfolio assigned
Contacted third parties such as courts, trustees, debtor’s attorneys, or clients for assistance as needed
Reviewed court docket and case information via electronic case monitoring to promptly determine when attorney’s action is required and ensure proper handling
Took ownership of bankruptcy related functions such as Payment Change Notifications, Notice of Fees and Costs responses and Transfers of Claims
Reviewed, analyzed, and entered debtor and trustee payment information in client system of record and company bankruptcy application
Reviewed accounts for preparation of Proof of Claim according to court requirements, local rules, and practices
Audited escrow, taxes, insurance, and client suspense accounts to determine status
Completed payment reconciliation ledger and obtain appropriate supporting legal documentation such as Deeds of Trusts, Notes, and Assignments
Single Point of Contact
2011-2012
Managed interactions with mortgage members regarding the servicing of their mortgage loans
Maintained servicing protocols and servicing guidelines and based compliance requirements
Reviewed open accounts for collection.
Collected member’s payments.
Provided timely follow-up on payment arrangements.
Maintained clear and concise notes on all calls so that history is maintained.
Reviewed loan transaction history including payment activity, escrow disbursements, rates and P&I changes, fee assessments, and payment reversals.
Resolved concerns or issues by clarifying the member’s concerns, determining the cause of the problem, selecting, and explaining the best solution to solve the concern, expediting the correction or adjustment, and ensuring resolution.
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