Banking / Financial Services Professional

JOSEPH F. STANGARONE

*** ***** ********, #*-* · Irvington, NY 10533 914-***-**** **********@***.*** FINANCIAL OPERATIONS

Experienced in auditing, branch management, and loan origination support. Skilled in compliance, mortgage banking, cash management, lease financing, and title. EDUCATION

Mercy College, B.S. in Business Administration & Marketing – Dobbs Ferry, NY; American Institute of Banking – Principles of Banking

PROFESSIONAL EXPERIENCE

Hudson United Mortgage and Title Services, LLC— Nanuet, New York Mortgage Post Closing Specialist/Assistant Post Closer (2020 – 2025)

•Ensured post-closing compliance by auditing funded mortgage loans, verifying settlement funds, and preparing investor-ready loan packages.

•Managed the full lifecycle of funded loans, maintaining data accuracy and overseeing document uploads using Encompass and SnapClose.

•Coordinated with settlement agents to track broker fee disbursements and resolve missing documentation for funding compliance.

•Generated and processed legal and loan documentation, while managing the daily banking calendar for transactions.

•Reviewed closing packages to identify and correct discrepancies, supporting timely and compliant real estate mortgage closings.

Fieldpoint Private — Greenwich, Connecticut

Operations Support Specialist (2019 – 2020)

•Monitored large currency transactions for high-net-worth and ultra-high-net-worth clients, ensuring compliance with regulatory requirements

•Executed daily banking operations, including teller transactions, wire transfers, ACH returns, and internal account reconciliation with a focus on accuracy

•Performed end-of-day processes such as cash balancing, check imaging, and general ledger entries

•Prepared and submitted regulatory reports including Currency Transaction Reports and Suspicious Activity Reports for compliance review

•Investigated and resolved Regulation E claims involving transaction disputes, unauthorized activity, and client notifications

Signature Bank— New York, New York

Cash Management Associate for ACH Operations (2018 – 2019)

•Assisted clients in initiating, managing, and troubleshooting ACH transactions, ensuring prompt and accurate processing.

• Responded to service inquiries from clients and private client groups, providing prompt and professional Assistance

•Collaborated with ACH vendors to troubleshoot and resolve exception items on the same day

•Oversaw selective item reports and ensured proper execution of ACH-related functions

• Monitored and processed daily ACH activities, maintaining accuracy and adherence to internal controls

•Delivered backup support across cash management departments to maintain continuity of service operations Sterling National Bank — Yonkers, NY

Corporate Services Support Specialist (2015 – 2018)

•Processed Remote Deposit Capture (RDC) applications using EPS Profit Stars software, ensuring accurate onboarding of client services.

•Executed seamless migration of customer profiles through the Bank Link transition platform

•Initiated and completed third-party reimbursement transactions for premium lockbox clients, managing the process end-to-end

•Resolved diverse RDC service inquiries via Sterling Central Portal, including profile updates, credit-based account adjustments, velocity limit changes, and e-banking integration setup. Hudson Valley Bank – Yonkers, NY

Cash Management Customer Service Representative (2010 – 2015)

•Oversaw daily cash management operations and implemented best practices to enhance client service delivery

•Monitored service inquiries and investigations, ensuring timely follow-up and adherence to quality assurance standards

•Amended client accounts and processed exception requests using I-Boss Rapid Remote, including deposit limit overrides per regulatory guidelines

•Maintained and secured sensitive client data through Web Vault and Image Archive systems Citibank, N.A., Citi Capital – Harrison, NY

Consulting Lease Pricing Specialist (2007 – 2008)

•Served as primary MHF liaison, delivering monthly payment quotations and pricing on lift truck leases and loans to internal teams and equipment dealers.

•Prepared interest rates, amortization schedules, end-of-lease equipment valuations, and structured term and purchase options.

•Reviewed lease proposals to ensure accuracy and compliance with internal policies, resolving client inquiries and providing leasing information.

•Consistently exceeded performance targets for quote turnaround, pricing accuracy, follow-up communications, and dealer support to drive new business growth.

Resource Mortgage Banking – Tarrytown, NY

Mortgage Pricing Coordinator (2002 – 2007)

•Prepared and distributed weekly rate sheets; updated interest rates and APRs for fax blast advertisements.

•Locked in loans from the pipeline at commitment or prior to closing.

•Evaluated and re-priced new and existing loan submissions.

•Provided pricing scenarios and rate quotes to sales personnel and senior leadership.

•Supported updates to investor guidelines within the product matrix. KEY ACHIEVEMENTS

•Recognized with the Excellence in Customer Service Award for delivering outstanding client support

•Honored with the Achievement Award for Outstanding Service to Co-Workers, reflecting strong teamwork and collaboration

•Earned Yellow Belt Certification in RDC Process Improvement, demonstrating commitment to operational Efficiency

TECHNICAL SKILLS

•Financial & Imaging Platforms: Bysis (Image Research), Infoview, Lockbox WebVault, FIS Client Portal, Bankway, Lockbox Image Archives, I-Boss Rapid Remote

•Mortgage & Leasing Systems: InfoLease, EPS Profit Stars, Klik Technologies, CSC, E-Prepare, SnapClose

•Office & Productivity Tools: Microsoft Office Suite, Lotus Notes

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