• Reviews laws and regulations for business impact and completes risk assessments.• Direct analyses and root cause identification; develops and recommends compliance solutions impacting the enterprise.• Ensure proper implementation of business requirements and identifies outstanding compliance issues.• Develop action plans for advancing compliance initiatives and for resolving outstanding compliance issues.• Maintains expert knowledge of the business, its products and processes.• Coordinates and responds to regulatory requirements/requests and ensures the execution of conduct examinations.

• Implementation and buildout of new Compliance Management System (CMS) within the Mortgage Division. Increased states licensed from 4 in December 2017 to 35 states.• Developed the Regulatory Exams Policy and single point of contact for all mortgage state exams.• Created all compliance training programs for the organization to include AML/BSA, Quality Control, Marketing oversight and risk-based counterparty review testing for external vendors.• Developed and implemented all Policies and Procedures (P&P’s) for AAFMAA. 44 published with an additional 38 in the signoff process. Created all QA and QC test scripts (291) within the Organization.• Company Point of Contact (POC) for the integration of the new Mortgage Loan Sub-Servicer. Contract review with Legal and development of the new Loan Servicing Quality Control testing platform to oversee the Sub-Servicer.• Complete buildout of ISO27001 tests scripts for the new Mortgage Loan SubServicer.• Prepare executive summaries, monthly reporting, presentations summarizing findings and recommendations to Board of Managers with our parent company, AAFMAA. Directly report to the President of AAFMAA Mortgage Services LLC.

• Complete buildout of the Quality Assurance (QA) Program/First Line of Defense department for the Loan Servicing and Originations part of the Organization.• Completed tests exceeded 368 as of October 2017. Total questions from the 368 tests exceeded 2,700 as of October 2017. All test scripts were developed upon arrival to the Organization.• Managed a team of AVP’s, Managers, and Senior QA examiners, ensuring QA audit plan and testing satisfy compliance, control, investor, and regulatory requirements. Delivered monthly published audits to each senior business leader along with a monthly heat map including trending analysis.• Installation of October 2017 CFPB New Rules and 2018 CFPB testing development.

• Managed an operations-integrated continuous monitoring platform to validate compliance and controls around regulatory, investor, and operational requirements for the Performing Servicing division.• Led the affected business units to identify and enhance process control gaps, test development, and continuous monitoring. Exam Management, business lead for CFPB, AG, and Multi State Exams.• Conducted monthly business reviews with Executive Management (to discuss and review items/tests outside of standard regulatory compliance) and Risk Committee (to define process failure indicators based on monthly performance and analytical testing.)• Developed audit tools, statistical measurements, methodologies, and process indicators that monitor performance, and assess effectiveness of initiatives.• Led the effort in defining, creating and tracking of Audits/Reviews performed throughout the Default and Performing mortgage servicing business units.• Analyzed historical performance trends, risks, regulatory, agency guidelines, and industry information to measure QA presence within business units that monitored adequate departmental reviews.

• Developed the Modifications, Short-Sales, Partial Claims, Special Forbearance Agreements, Deed-in-Lieus and Extensions. Mitigate losses through various liquidation strategies as well as strategies that bring nonperforming loans to a performing status.

• Led production of 8 to 10 branches within the Call Center, average of 84 Loan Officers servicing a $12 billion-dollar portfolio.• Top performer award winner for all Direct Sales in 2006 and 2007, out of 12 Regional Vice Presidents.• Responsible for 56% of all units closed and 41% of all volume for entire division in 2005, 2006 and 2007

Responsible for the profitable operation of the retail sales branch including recruiting, training and lead generation/retention, exceeded plan for fiscal year 2004, received Annual Executive Award for Top 5 Retail branch out of 75 national branches.

Provided training and support to branch employees, assisted in successful Top 10 Fiscal years; 2002 and 2003. Originated nonconforming loans through direct contact with customers, realtors, collection agencies and referral sources.