Risk Management Analyst

GISELLE MANZANO

973-***-**** ***********@*****.*** http://www.linkedin.com/in/gisellemanzano

Multifaceted, performance-focused, and goal-oriented financial professional with over 15 years of experience in the finance, auditing, and risk management. Effective at completing multiple projects to support company objectives, facilitating staff development to maximize productivity, and working within fast-paced environments to deliver optimum results. Armed with exceptional interpersonal, organizational, and problem-solving skills to develop solutions to arising problems.

CORE COMPETENCIES

Risk Management Credit Risk Review Internal & External Auditing Compliance Loan Underwriting Credit Risk Fraud Investigation Financial Analysis Internal Controls Staff Training & Development Banking Personal Insurance Mortgage Lending & Processing Credit Review Payroll (Processing, Integration, and Training)

Bilingual in English and Spanish

PROFESSIONAL EXPERIENCE

Contract Employee-NYC Department of Social Services 12/2024-Present

Technical Business Analyst II Financial Analyst

• Efficiently managed a portfolio of over 10 human services contracts with an annual oversight of a $50 million budget for Customer Assistance Services (CAS).

• Review and ensure accuracy of budget submissions from Vendors monthly.

• Assessing policies and financing transactions to mitigate risk compliance with regulatory bank policies.

• Successfully review and audit monthly, weekly, and annual invoices to ensure contractual obligations are compliant.

• Develop and maintain tracking logs to monitor receipt, processing, and payments of contract and modifications to established budget and amendments approved by the Director.

• Responsible for writing summary reports for Director, Assistant Deputy Commissioners and Deputy Commissioners if there were any credit risks or findings or any financial risk or legal exposures.

PUBLIC PARTNERSHIP LLC – Remote 06/2023 - 07/2024

Business Development Manager Risk Management

•Efficiently managed a caseload of 150-175 program participants.

•Completed LexisNexis compliance with KYC implementation by developing and training.

•Developed risk management which reduced fraud and streamlined our compliance processes and procedures by over 50%.

•Empowered participants to develop a cash management plan (monthly spending budget) that supported their needs and financial goals.

•Filing of contracts and budgets with Insurance providers and participants, ensuring compliance.

LHH AGENCY – NYS HOMES & COMMUNITY RENEWAL – New York, NY 04/2022 -09/2022

Compliance Senior Underwriter

•Audited and underwrote credit counterparty credit to mitigate risk in loan applications

•Effectively trained and developed a team of 5 to achieve a 24-hour turnaround time for escalations, communicating with key parties to obtain mortgage arrears to expedite the grants provided.

•Reviewed and evaluated mortgage loan applications for accuracy, completeness, and adherence to underwriting guidelines.

•Analyze applicant financials, credit reports, income documentation, and property appraisals to assess loan eligibility by NY State.

•Ensured compliance with applications and worked alongside the Attorney General and State elected officials to expedite escalated cases and minimize exposure to financial crimes.

•Optimized workflow by creating spreadsheets and reports to accurately track arrears and due dates.

•Compiled and delivered accurate electronic records, findings, and exceptions to management and clients.

•Worked with the legal department and prepared a final report which provided exhibits for defaulted mortgage loans.

• Ensured on-time delivery of polished products while maintaining the highest productivity and quality standards.

SANTANDER BANK - Lodi, NJ 01/2020 - 04/2021

Senior Specialist-Licensed KYC Compliance Relationship Banker

•Achieved CSAT scores among the top 5% of the district and 2021 YTD Net Promoter Score of 10 out of 10.

•Utilized State and Federal regulations knowledge to provide a superior quality review aligned with best practice and compliance.

•Directed employee training for 10 new hires over 12 months, offering continuous guidance, mentorship, and best practices while providing constructive feedback.

•Managed high-revenue clients, analyzed their financial needs, and provided appropriate products/services.

•Reduced exposure to high-risk clients and maintained compliance by over 50% through KYC and AML audits.

•Evaluated complex financial transaction structures and capital market products for options and derivatives.

•Processed wire transfers, ACH, and SWIFT codes for banking clients

•Ensured accuracy and adherence to deadlines by reconciling transactions.

PRUDENTIAL- Paramus, NJ 01/2019 - 12/2019

Compliance Financial Professional (FINRA SIE & Series 6, NASAA Series 63)

•Hired and managed employee training for 10-15 new hires, leading the #1 team in sales.

•Ensured Compliance, KYC, and AML laws were observed by conducting random reviews.

•Organized events to expose financial services to the community to capture new clients.

•Serviced customers’ investment portfolios to ensure needs match time horizon and investment objectives.

•Reduced exposure to high-risk clients and maintained compliance through KYC and AML audits.

•Successfully helped individuals grow their assets, meet investment objectives, and protect them.

•Utilized strong analytical skills to make informed decisions and minimize risk exposure in the lending process.

INTERTHINX/VERISK ANALYTICS - Jersey City, NJ 2011 - 2014

Auditor Underwriter Fraud Investigator Risk Manager

•Oversaw auditing and underwriting performing and non-performing mortgage files.

•Audited mortgage loan files to identify fraud, misrepresentation, data integrity, and compliance issues.

•Ensured all compliance, KYC, SOX, and AML regulations were complying.

•Researched public records and utilized sources such as LexisNexis, and FraudGUARD to compile exhibits to complete a final summary report for each file to determine the severity of loan grade based on findings.

•Delivered and discussed findings, final reports, and exhibits on weekly calls with the Client and litigators to discuss the next steps of indictments. Trained new staff members on accepted standards for auditing, pipeline management, and guidelines for attorneys and Banks for litigation.

HOMECOMINGS FINANCIAL - Parsippany, NJ 2006 - 2008

Underwriter Assistant New Broker Trainer-Mortgage Division of GMAC

•Facilitated new product training, generated solutions for 24 hours of “clear to close” files, and improved relationships between sales and operations in successful closing months.

•Validated income and employment information; analyzed credit history; computed the value of the borrower’s collateral and assets; validated exceptions and the feasibility of suggested resolutions.

•Completed two weekly audits to ensure closed files met debt-to-income ratios, underwriting guidelines, and state and federal compliance laws.

•Advanced loans to closing, cleared conditions, and ensured broker and client satisfaction while maintaining loan integrity and fraud prevention.

EDUCATION & CREDENTIALS

Coursework toward Bachelor of Arts in Business Administration - UNIVERSIDAD INTEC, Santo Domingo, DR

Licensed Life, Property, Casualty and Producer –State of New Jersey - AMERICAN SCHOOL OF BUSINESS

Licensed Producer – State of New Jersey Non-Resident Producer in NY & PA - DEPARTMENT OF BANKING & INSURANCE

FINRA License SIE & Series 6 NASAA Series 63

PROFESSIONAL DEVELOPMENT

MOS - AVTech Institute of Technology

Fundamentals of Project Management-NYC

Human Resources Fundamentals: (HRCI/PHR/SPHR/SHRM) Specific Training & Payroll Management - University of Paychex

Supervisor Baseline & Interviewing Training - Nextel

Computerized Financial Accounting with QuickBooks and Peachtree - AVTech Institute of Technology

New Jersey Department of Insurance Licensed Health Producer - Kaplan Financial

TECHNOLOGIES

Microsoft Office Suite Adobe MTE IEX FraudGUARD LexisNexis Payroll Integration Software (ADP, Preview Payroll) QuickBooks Oracle BOLT Insurance Platform Hearsay Social Salesforce PassPort

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