Benjamin Toro Email & Phone Number

Richmond, Virginia Area

The Virginia Retirement System administers a defined benefit plan, a hybrid retirement plan, a group life insurance plan, a deferred compensation plan and a cash match plan for Virginia's public sector employees, as well as an optional retirement plan for selected employees and various disability plans for members. VRS delivers retirement and other benefits to Virginia public employees through sound financial stewardship and superior customer service.

Richmond, Virginia

SunTrust Banks, Inc. is a purpose-driven company dedicated to Lighting the Way to Financial Well-Being for the people, businesses, and communities it serves. Headquartered in Atlanta, the Company has two business segments: Consumer and Wholesale. Its flagship subsidiary, SunTrust Bank, operates an extensive branch and ATM network throughout the high-growth Southeast and Mid-Atlantic states, along with 24-hour digital access. Certain business lines serve consumer, commercial, corporate, and institutional clients nationally. As of June 30, 2017, SunTrust had total assets of $207 billion and total deposits of $160 billion. The Company provides deposit, credit, trust, investment, mortgage, asset management, securities brokerage, and capital market services. SunTrust leads onUp, a national movement inspiring Americans to build financial confidence.ROLE: Responsible for risk assessment across multiple lines of business, including the assessment for a company-wide document translation project. Assisted in the analysis of business processes for Legal, Compliance, Credit, Tax and Financial Reporting risk. Operational Risk lead for Process & Control review that tested over 80 automated and manual controls for Consumer Direct and Retail lines of business. Assisted Enterprise Operational Risk Management (EORM) in the creation of new control language and the update of system wide controls in SunTrust’s Integrated Risk Management system to reflect these new controls. Helped write new Policy and Procedure Manuals to train employees on the use of risk assessment tools.

Richmond, Virginia

KPMG is a global network of professional firms providing Audit, Tax and Advisory services. We have 189,000 outstanding professionals working together to deliver value in 152 countries. With a worldwide presence, KPMG continues to build on our successes thanks to clear vision, defined values and, above all, our people. Our industry focus helps KPMG firms’ professionals develop a rich understanding of clients'​ businesses and the insight, skills and resources required to address industry-specific issues and opportunities.ROLE: Consumer Relief Associate enforcing a Federal Reserve Bank Consent Order and $968 million settlement with the Justice Department to ensure the client's audit and compliance programs have adequate levels and types of officers and staff dedicated to overseeing their residential mortgage loan servicing, Loss Mitigation, and foreclosure activities. Used proprietary software to create a system for analyzing independent components of mortgages, including foreclosed and bankrupted files, check calculations and document support to verify compliance with state and Federal regulations and internal best practices. System was also used to create a new training protocol for the client to implement in the creation of a new internal unit to continue regular reviews once the engagement was completed. Reviewed multiple enforcement metrics to ensure client programs maintain compliance with the requirements of this Order.

Denver, Colorado

Digital Risk is the largest independent provider of Risk, Compliance and Transaction Management solutions for the complex and dynamic financial services market. The individual talents of our thousands of analysts are amplified by the company’s proprietary technology and advanced analytics performed using the Making Mortgages Safe™ solutions suite. These proprietary platforms are the result of the analysis of over $100 billion in mortgage loans. We provide comprehensive platform servicing the entire mortgage life cycle, Best in Class patent-pending analytics and business rule and workflow technology, market leading size and scale, one-stop risk management platform with open architecture and plug-and-play toolset, flexibility facilitating horizontal and vertical expansion and state-of-the-art paperless document management system.ROLE: Working as part of a team of mortgage servicing specialists for completing accurate third-party review and analysis of mortgage loans submitted by clients to insure all banking, state and federal mortgage regulations as well as their own internal procedures are adhered to. Depending on the scope of a given review, duties include determination of what delays are controllable by a servicer, analysis of any loss mitigation actions taken and submitting those findings to the client in a brief but highly concise manner. Duties require extensive knowledge of bankruptcies, Freddie Mac and Fannie Mae regulations, SCRA, new CFPB regulations and any other requirements a servicer may adjudicate is needed for analysis.

Lone Tree, Colorado

McCarthy Holthus, LLP is a multi-state law firm with years of experience in successfully representing financial institutions in a variety of banking law matters with a specialization of mortgages in default. McCarthy Holthus, LLP provides services in the states of California, Nevada, Arizona, Washington, Oregon, and New Mexico in legal representation before U.S. Bankruptcy Courts, U.S. District Courts and State Courts. ROLE: Specialist with law firm that assisted borrowers with Aurora Loan Services retain their homes by restructuring mortgage payments, placing defaulted loans in loss mitigation programs or loan forbearance plans. Duties included determining property fair market value, submitting bids to attorneys and taking possession of properties and title once properties are foreclosed on. Other duties included requesting occupancy status and broker price opinions from outside vendors, processing bankruptcies, reporting 1099A’s once sales are completed, working with Freddie Mac and Fannie Mae in submitting property bids and reporting sales results to mortgage insurance companies.