Real Estate Manager

WENDY DENNIS

**** ********** *****, *******, ******** 23238

804-***-****• *****.*****.******@*****.***

FRAUD ANALYST /MANAGER

Accomplished management professional, with the ability to interact with clients and vendors in multiple environments. Exceptional communicator, with strong multi-task, time management, and organizational skills. Specialize in all aspects of fraud prevention, mitigation, and collateral analysis.

PROFESSIONAL EXPERIENCE

SUNTRUST MORTGAGE, Richmond, Virginia • 2009-Present

Division of SunTrust Banks, Inc., one of the nation’s largest financial services companies with $170B+ in assets.

Collateral/ Fraud Analyst /Vendor Management

Responsible for managing Collateral/Fraud for the Short Sale/Loss Mitigation department. Trained employees regarding fraud trends and identifying fraud and misrepresentation. Manage Loss Mitigation within the department. Perform quality assurance reviews on a nationwide basis. Serve as liaison between senior executives, President, Project Management, Procurement and Vendor Management teams. Monitor the quality of the appraisers completing reports for the bank and maintain a quality database.

Consistently ensure accuracy from collateral valuations and protect the institution for undue collateral risk.

Monitored short sale applications for Fraud

Audited mortgage files..

Assisted in Vendor Management, including S.O.W, and Contracts.

Fraud management, including monitoring and reporting suspected fraud.

Member of the Fraud Consortium for SunTrust Bank.

FISERV PORTFOLIO SERVICES, Boulder, Colorado • 2006-2009

Leading global provider of information management and E-commerce systems for the financial services industry.

Collateral Analyst, Portfolio Fraud Mitigation

Wrote reconciliation reviews for distressed value, foreclosure, and market value. Analyzed appraisal products for pre- and post-funding loans. Provided written responses and reconciled appraisal products in conjunction with various broker price opinions. Utilized data sources such as but not limited to: BPO’s, Realquest, Casa, Sitex, Trulia.com, Realquest.com, Yahoo Real Estate, Zillow.com, AVM’s, Google Earth, and MLS. Performed due diligence and vetted reconciliations.

Effectively performed fraud mitigation reviews and vetted loans for key clients such as Goldman Sachs, Fifth Third Bank, JPMorgan Chase Bank, and many others.

MORTGAGE GUARANTEE INSURANCE CORPORATION (MGIC), Milwaukee, Wisconsin • 2004-2008

Founder and leader of private mortgage industry, serving 3,300+ lenders across the U.S. and Puerto Rico.

USPAP Compliant Review Appraiser

Performed USPAP compliant reviews nationwide. Utilized data sources such as Realquest and various other websites.

BEAR STEARNS (formerly Encore Credit), Irvine, California • 2004-2006

Global investment banking / financial services organization.

Senior Collateral Analyst / Risk Analyst

Performed risk analysis of appraisals for pre-funding, audit, and due diligence, including, but not limited to, use of online data research, AVM’s and geographic information, with consideration given to underwriting criteria. Provided written responses to reconcile value discrepancies between original appraisals and investor drive-by’s or Broker Price Opinions. Notified manager of any suspected misrepresentation or fraud. Monitored conditional or unacceptable appraisers.

EXPERT APPRAISAL, INC., Romeo, Michigan • 1995-2004

Full-service appraisal firm.

Manager/Review Appraiser

Maintained daily production, accounting, and forecasting. Developed business plan. Conducted internal reviews on staff appraiser files. Managed daily operations of 16 employees. Managed client accounts receivables, payroll, independent contractors, invoicing, and collections. Maintained employee health plans and hiring and firing of employees.

Developed effective business plan; also obtained office space and negotiated rental agreements for two offices.

Managed a staff of 16 people.

EARLY CAREER NOTES (full details on request)

THE APPRAISAL COMPANY, Farmington, Michigan / Staff Appraiser

TRW, Southfield, Michigan / Staff Appraiser / Appraisal Coordinator / Licensed Staff Appraiser

EDUCATION

Business Management Coursework

Michigan State University, Lansing, Michigan

Undergraduate Coursework

Oakland Community College, Bloomfield Hills, Michigan

REAL ESTATE / APPRAISAL TRAINING

Middleton School of Real Estate

Michigan Institute of Real Estate

Anthony School of Real Estate

The Appraisal Institute School of Business Management

A-d Appraisal

PROFESSIONAL AFFILIATIONS

Member of the Fraud Consortium (2010- Present)

National Association of Women Business Owners (1994-2004)

Member, National Association of Independent Fee Appraisers (1996-2003)

WENDY DENNIS Page 2 *****.*****.******@*****.***

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