Aimee Saunders Email and Phone Number

• Developed control activities utilizing business line procedures to ensure appropriate control coverage per Business Line Control Environment Policy.• Reviewed control activity with Business Line, Risk/Compliance professionals, and RCA Managers to ensure alignment.• Conducted policy reviews to identify control changes, engaged Operational Subject Matter Experts, and facilitated required changes.• Reviewed control matrices to identify weaknesses and drive process improvements.

• Conducted policy reviews to identify process changes and engaged Operational Subject Matter Experts for necessary adjustments.• Completed gap assessments related to policy or regulatory changes to ensure all risks were identified.• Supported Operational Subject Matter Experts with research on potential failures and reviewed control matrices to drive process improvements.

• Conducted independent testing to ensure operational risk and compliance requirements are met, analyzing data for second line of defense.• Developed testing strategies to analyze compliance risk with complex policies and laws, identifying control weaknesses and making recommendations.• Maintained thorough documentation of work performed and supported conclusions.

-Finance, Governance and Oversight -Sarbanes-Oxley (SOX), Comprehensive Capital Analysis and Review (CCAR), Basel and Liquidity Control TestingPlanned the execution of business unit compliance testing program to prevent illegal, unethical or improper business practices for first line of defense.Developed the testing strategies needed to test and/or analyze compliance risk with complex policies/procedures and laws/regulations, applying risk analysis principles and determining scope such as focus, objectives and rationale.Conducted appropriate, independent testing to ensure operational risk and compliancerequirements are adhered to while performing complex qualitative analysis of data.Prepared detailed and objective work papers to support testing conclusions, including documenting process flows and describing major processes with the area being reviewed.Reviewed issues and findings to provide effective challenge and quality of supporting documentation.Identified potential control weaknesses by analyzing exceptions and makes recommendations to remediate issues and to enhance internal controls and/or increase the efficiency of operations. Built, developed, and maintained relationships with business and internal control partners to facilitate collaboration between all lines of defense for testing.

Used proficient knowledge to provide guidance in the design, assessment, implementation and/or administration of moderately complex quality assurance programs, practices and policies for business line quality assurance.Identified and evaluated quality standards, measurements, and process improvements to ensure they are aligned with internal practices and regulatory requirements.Briefed key stakeholders and management on quality assurance review results, trends, studies, and initiatives, and recommends courses of action.Served as a resource to team members and/or business and identifies appropriate issues for escalation.

Assisted Project Managers to establish the rollout of Hardest Hit Funds program from an operations standpoint as a subject matter expert. Worked with individual state Housing Finance Agencies for the purpose of receiving Hardest HitFund program dollars on behalf of borrowersManually set-up Hardest Hit Fund programs on LPSAdvised Payment Services of where to apply funds for various programs that are obtained from each state and monitor that funds were applied correctly

Worked with borrowers and provided counseling to resolve their financial hardships by reviewing and determining appropriate home retention workout options to avoid foreclosure and to mitigate losses to the company and investor.Analyzed pay stubs, tax returns, bank statements, credit reports and various other forms of financial documentation to determine eligibility for Freddie Mac workout options.Effectively managed timelines daily to respond to rapidly approaching foreclosure sale dates and last-minute executive office complaints to quickly come to a resolution.Managed daily HAMP denial reports. Lead and trained a small group of peers to input daily HAMP denials into Workout Prospector II.

-Insurance

-Construction Lending