Quality Control Fraud Detection
Resume:
Tracy Turner
Tracyst**@icloud .com
STRATEGIC RISK MITIGATION & QUALITY CONTROL PROFESSIONAL Detail-oriented financial services professional with extensive experience in claims review, compliance auditing, fraud detection, and loan servicing. Proven ability to analyze high-volume documentation, identify discrepancies, and ensure regulatory adherence. Skilled in claims investigation, case resolution, and documentation accuracy with a strong track record of reducing risk exposure and improving process efficiency. SUMMARY OF ACCOMPLISHMENTS
● Reduced fraud losses by proactively monitoring transactions and identifying fraudulent activity, minimizing risk exposure.
● Improved fraud detection through strategic collaboration with fraud investigation teams and mitigating risks and strengthening security measures.
● Enhanced operational efficiency by developing quality control checklists and improving loan review processes. AREAS OF EXPERTISE
● Fraud Detection & Prevention
● Quality Assurance & Control
● Financial Transactions & Auditing
PROFESSIONAL EXPERIENCE
TD Bank Jacksonville, FL 2023 – current
Fraud Analyst
● Reviewed and analyzed account activity to detect anomalies, validate documentation, and prevent fraudulent claims.
● Use fraud detection software, machine learning tools, and data analytics to flag anomalies.
● Communicated with customers regarding claim status, providing clear explanations and support during resolution. TIAA Bank / Pentagon Federal Credit Union, Jacksonville, FL 2017 – 2023 Loan Review Analyst
● Examined loan files for accuracy and compliance with TRID, RESPA and CFPB requirements, identifying discrepancies and processing corrections.
● Validated disclosures, closing documents, and supporting records to ensure claim and compliance accuracy.
● Identified and documented loan disclosure errors, coordinating remediation efforts to ensure compliance. Phoenix Collateral Advisors, Jacksonville, FL 2021 – 2022 Senior QC Analyst
● Conducted post-closing reverification audits to confirm borrower income, employment, credit, and collateral documentation.
● Audited loan files for adherence to TRID, RESPA, ECOA, HMDA, Fair Lending, and CFPB regulations, strengthening regulatory readiness.
● Identified claim-related defects, documented errors, and collaborated with servicing teams to prevent repurchase exposure.
Citibank Mortgage, Jacksonville, FL 2015 – 2017
Insurance / Tax Escrow Analyst
● Executed daily wire transactions in accordance with regulatory standards to support escrow account disbursements.
● Conducted escrow analyses, reconciling balances and issuing accurate statements per regulatory schedules.
● Monitored hazard and flood insurance coverage requirements, providing management with reports on policy gaps. CERTIFICATIONS & ACCOMPLISHMENTS
● TRID Compliance Training Completion
● Excellence in Quality Control & Compliance Recognition (Company Award)
● Examined loan files for accuracy and compliance with TRID, RESPA, and CFPB requirements, identifying discrepancies and processing corrections.
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