Regulatory Compliance Risk Management
Resume:
STEPHANIE BROWN
Contact
Abington, PA
********@*****.***
Professional Summary
Results-driven Senior Compliance Subject Matter Expert with over 20 years of experience in regulatory compliance, risk management, and mortgage servicing. Expertise in interpreting and implementing federal, Government-Sponsored Enterprise
(GSE), and state regulations to ensure consumer compliance across all business operations. Proven track record in leading compliance initiatives, including the development and oversight of Privacy Programs, conducting audits, and facilitating cross-functional projects to improve processes and mitigate risk. Highly skilled in collaboration with business units, internal teams, and vendors to drive compliance improvements and address complex regulatory issues. Education
Associate Degree in Applied Sciences-
Paralegal
Cumberland County College (1994)
Certifications
Certified Regulatory Compliance
Manager, CRCM
American Bankers Association (2017)
AI Financial Services Certification
Upstart (2025)
CDIA Fair Credit Reporting Certification
Key Skills
- Regulatory Compliance
- Risk Management
- GLBA and Privacy Program Expertise
- Compliance Audits and Testing
- Cross-Functional Collaboration
- Policy and Procedure Development
- Compliance Training and Mentoring
- Regulatory Change Management
- Mortgage Servicing
- Vendor Management
- Root Cause Analysis
- Corrective Action Plans
- Risk Assessment and Mitigation
- Systems: MSP Director, SharePoint,
Censervice, PolicyTech
Experience
Cenlar Federal Savings Bank
Yardley, PA
July 2013 – Present
Sr. Compliance Subject Matter Expert-Corporate Compliance Department, CRCM
(February 2021 – Present)
• Provide regulatory compliance guidance on federal, Government- Sponsored Enterprise, and state regulations, addressing daily inquiries and ensuring accurate interpretation and application across business operations.
• Lead compliance initiatives, including the development and oversight of a comprehensive Privacy Program, involving incident investigation, policy creation, training updates, and process improvements.
• Review and approve responses to compliance findings from client and regulatory exams, audits, and change management processes, ensuring adherence to applicable laws and industry standards.
• Conduct compliance testing, risk assessments, and policy reviews to monitor and enhance regulatory compliance in mortgage origination and servicing, with expertise in GLBA/Privacy regulations.
• Collaborate on cross-functional projects, providing regulatory citations, approving documentation, and driving process enhancements while utilizing systems like MSP Director, SharePoint, Censervice, and PolicyTech. Compliance Subject Matter Expert-Corporate Compliance Department, CRCM
(December 2016 – February 2021)
• Implemented regulatory changes from federal, GSE, and state agencies, collaborating with business units to ensure compliance through updates to procedures, correspondence, and systemic processes.
• Provided regulatory guidance to internal teams and clients, addressing inquiries on compliance and supporting resolution of complex compliance issues.
• Participated in cross-functional PMO projects, assessing consumer compliance impacts and driving alignment with regulatory expectations.
• Reviewed and approved responses to compliance findings from audits and regulatory exams, providing legal citations and collaborating with Legal and QA teams to ensure testing and adherence to requirements. Compliance Analyst II-Corporate Compliance Department
(July 2013 – December 2016)
• Conducted monthly audits to assess adherence to federal guidelines, identifying compliance risks, analyzing root causes, and ensuring corrective actions were integrated into daily processes.
• Facilitated monthly meetings with business units to review outstanding compliance issues, evaluate action plans, and implement regulatory-compliant process improvements to mitigate future risks.
- Change Management
Professional Development
CRCM Bootcamp
American Bankers Association (2016)
Online Review Course for CRCM
Exam
American Bankers Association (2016)
NJ Bankers Compliance University
(2014, 2015, 2016)
Webinars and off-site Seminars
- Truth in Lending Act/Real
Estate Settlement Procedures
- Act Integrated Disclosure (TRID)
- Flood Disaster Protection Act
(FDPA)
- Mortgage Servicing Rules
- Bank Secrecy Act/Anti-Money
Laundering (BSA/AML)
- Servicing Transfers and Loss
Mitigation
• Participated in vendor on-site visits to establish collaborative relationships, address compliance-related concerns, and ensure alignment with regulatory standards for the managed portfolio.
Greentree Servicing LLC
Risk Analyst II-Consumer Compliance Management
Fort Washington, PA
September 2012 – July 2013
• Conducted daily and monthly risk-based reviews and audits to ensure consumer compliance, identifying and mitigating potential regulatory risks.
• Represented Consumer Lending Compliance on the Consumer Lending Change Council, collaborating with cross-functional teams to address and resolve compliance-related issues and regulatory changes.
• Partnered with business units to develop change documents outlining compliance system changes, identifying gaps that may lead to company risks and ensuring proper mitigation.
Cardinal Financial Company
Senior Mortgage Processor
Warminster, PA
December 2011 – September 2012
• Processed retail and affiliate Conventional, VA, and FHA loans from origination through underwriting and closing, ensuring compliance with investor and federal guidelines.
• Analyzed credit, assets, income, and collateral documents, reviewing state and federal loan disclosures for content accuracy and regulatory compliance.
• Collaborated with borrowers to obtain necessary documentation, ensuring understanding of the loan process and fostering an informed, compliant environment for the consumer.
Nations Home Mortgage
Senior Mortgage Processor
Cherry Hill, NJ
July 2003 – January 2010
• Managed a loan pipeline of 40-50 loans per month, including Conventional, VA, and FHA loans, overseeing the entire process from origination to closing.
• Analyzed credit, assets, income, and collateral documents, ensuring accuracy and compliance with state and federal loan disclosures.
• Collaborated with borrowers to gather required documentation, ensuring clear communication of the loan process and fostering an informed consumer experience in compliance with federal and state regulations.
• Coordinated with title agents, insurance companies, PMI vendors, customers, loan officers, and underwriters to analyze loan fees and ensure smooth processing. Provided training and support to new staff, assisting with problem-solving and issue resolution within the department.
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