• Prepare reports for Senior Management review of risk events and emerging risks for internal governance committees, and regulators• Serve as an effective challenger of second line risk-taking activities• Liaising regularly with the Heads of Group Function teams to ensure accurate risk reporting• Provide guidance to ensure the timely and accurate assessment, capture and maintenance of Operational issues for Non-Financial Risk Issues• Creating documentation / Reporting standards for reviews to be presented to management• Focus on process improvement and support team delivery of reporting deliverables• Evaluate the operational risk profile and risk analysis for the business, culminating in monthly and quarterly Divisional Operational Risk Reporting

• Managed the error/incident resolution process for the Equities business unit• Identified and resolved deficiencies in trade process for client accounts to reduce exposure• Partnered with Portfolio managers and associate portfolio managers to cover market exposure• Coordinated calls between interested parties where necessary to conduct root cause analysis• Assisted business and risk management with the development of remediation efforts• Participate in various working groups and forums focused on managing operational risk

• Accountable for implementing compliance of all mortgage regulations, policies and procedures• Conducted compliance testing reviews of applicable laws, rules, regulations, and controls• Conducted regular meetings with senior management and compliance officers to minimize risk• Participated in regular risk assessments to mitigate loss and operational defects• Researched and apply regulations of CFPB, Regulations Z, B, X, C and all other regulations • Assisted Senior Management with audits, examinations and defect deliverables

• Managed all mortgage compliance, regulatory audits and examinations• Developed and implemented the compliance program and all audit procedures• Produced weekly reports and assured compliance to guidelines, policies and procedures• Performed pre and post close audits for state and federal guideline adherence• Delivered reports to senior management and Operations Manager

• Developed and implemented the compliance quality control program and audit procedures• Worked closely with IT in implementing system updates for CFPB and all compliance matters• Developed monthly and quarterly reports for presentation to senior management• Performed post close audits for all compliance matters, RESPA, TIL, GFE, QM/ATR, HMDA, etc.• Compiled data to assist with internal and external compliance audits• Identified risks, patterns, and trends and proposed changes of process, policies and procedure

• Lead project management and monitoring of real estate development projects • Underwrote files, reviewed legal documents and financial projections to mitigate risk• Developed financial pro forma and other analyses, reviewed and analyzed construction budgets• Delivered presentations at neighborhood association meetings and conducted site inspections• Negotiated housing contracts and funding terms with developers, contractors and architects• Prepared project reports from bid packages, profit and loss statements and spreadsheets• Managed operational risks, monitoring, and compliance regulation adherence

• Developed a CFPB manual, power point presentations and conducted training• Assisted with the day to day operations and supervision of two underwriting teams• Ensured compliance to lending guidelines, banking laws and regulations • Audited new underwriter files, identified training needs and worked on special projects• Created bulletins on CFPB qualified mortgages and ability to pay• Monitored and audited files for TILA, GFE, RESPA, HMDA and also ECOA compliance• Served as a liaison between, underwriters, processors sales and addressed escalations

• Aided with the supervision and management of the Loss Mitigation department• Managed the pipeline, flow of work, and conducted pipeline reviews for daily distribution• Audited new underwriter files, identified training needs and worked on special projects• Ensured compliance with loan policy, lending guidelines, and banking laws and regulations• Oversaw guideline updates, compliance training and internal operational risks• Delivered training to new and existing employees to enhance customer contact results• Contacted borrower’s, assessed their specific situation, and provided appropriate loss mitigation arrangements to bring their accounts current

• Directly involved in setting and operating a $2 million plus annual budget• Managed the everyday operations of all city departments and union negotiations• Created partnerships and worked directly with state and federal agencies and directors• Effectively located and utilized community resources through networking and collaboration• Initiated and performed all grant writing and automated all city offices for efficiency• Attracted new businesses by obtaining local and state tax credits and subsidies• Conducted all bi-monthly city council meetings and held regular department head meetings• Provided lean and process improvement initiatives and restructured all city departments

Managed the underwriting of conventional loans, FHA, VA and HUD loansVerified conditions of approval, reviewing credit, income and assetsCommunicated loan decisions to borrower’s, bankers and processing teamResolved routine title issues, including vesting issues, judgment liens, and mechanic liensCleared conditions, processed subordination’s and resolved appraisal disputesCoordinated loan closings and maintained focus on customer expectationsUtlized Desktop underwriting system and Loan Prospector