Charles B. Mallory, Crcm Email & Phone Number

Tulsa, Ok, Us

Tulsa, Ok, Us

Lead Mortgage Quality, reporting to the Chief Compliance Officer. Member of the Compliance Committee. Direct monthly quality control testing and have partnered with Mortgage Originations and Servicing to achieve a significant improvement in quality over the last several years. Implemented Robotic Process Automation (RPA), automated file transmission, enhanced replication files, and outsourced the ordering of tax transcripts to substantially reduce monthly in-house processing time.

Tulsa, Ok, Us

Lead Mortgage quality control (7 team members and 2 vendors) and reporting to the Mortgage Oversight Committee, Compliance Committee, Risk Committee, and Risk Council. Led operational risk governance for BOK Financial Mortgage. Provided support and governance relative to Enterprise Risk Management attestations and control monitoring approvals for Mortgage. Represented Mortgage in the Operational Risk Committee through report delivery. Provided risk management support for Mortgage projects and initiatives.• Partnered with Mortgage Servicing to achieve a 96% improvement in quality over 15 months.• Partnered with Mortgage Originations to achieve a 93% improvement in quality over 14 months.• Implemented Robotic Process Automation, automated file transmission, and outsourced ordering of tax transcripts to reduce monthly in-house processing time by approximately 87 hours per month (0.50 FTE).• Automated Servicing Quality Control reporting.• Significantly reduced rescinded findings.

Columbus, Oh, Us

Cut Time Music is a full-service, creative music production and sound design company in Columbus, OH, which delivers innovative, high-quality audio solutions at affordable rates and on time. Services include: • Commercial Scoring• Custom Music Library• Scoring for Television, Film and Video Games• Scoring for Corporate Training Videos and Mixed Media• Sound Design• Orchestration• Voice Over• Stereo Audio Mix

Morrisville, Nc, Us

Scored various commercials for Pharmaceutical Clients.

New York, Ny, Us

Engaged as Sworn Documents and Collections Litigation (CL) Oversight Policy liaison and primary contact with responsibility for annual policy reviews of the firm-wide Global Redaction Policy, conducted annual CL Product Assessments firm-wide, and provided oversight of line of business CL Policy integration and CL Policy Enterprise Quality Management (EQM).• Significantly enhanced the annual CL Product Assessment process• Provided effective oversight, resulting in favorable CL Policy EQM results• Contributed to completion of the annual CL Policy renewal• Oversaw successful CL Policy integration undertaken by a line of business originating and servicing a large loan portfolio.

New York, Ny, Us

Managed non-regulatory and IT/Project intake functions for Mortgage Banking Change Management, Strategic Priorities Assessment (SPA) process for IT and Project change requests. Oversight of foundational controls effectiveness.• Managed Investor guidelines quality assurance and system support assuring published guidelines are accurate and in compliance with regulatory guidance. • Established privacy sweeps and updated Business Resiliency Plans (BRPs) across Change Management.

New York, Ny, Us

Managed the Mortgage Banking Default Guidelines Group. Managed the publication of guideline revisions and additions upon approval and confirmation of business readiness to implement. Led monthly guidelines quality assurance reviews and discussed results with management Team. Managed the review and approval of marketing materials related to servicing and default matters. Led the delegation of default credit authorities (loss recognition and loan modification).Serving Guidelines:• Built an investor portfolio default guidelines manual from the ground up (166 articles).• Developed expanded underwriting guidelines.• Chaired GSE / Government Guideline Requirements Committee.Operational Oversight:• Directed implementation of discretionary and agency guidelines within the default organization.• Provided default guidelines MIS and analytics for the bank-owned and serviced portfolios (exception reporting and analytics to support recommended guideline enhancements).• Drove a significant reduction in exception rates through monthly reviews and reporting.Control Oversight:• Strengthened the Mortgage Banking control environment as cross-functional Voting Member in oversight of remediation initiatives.• Established Sarbanes – Oxley (SOX) semi-annual testing of Loan Loss Reserve controls.• Managed compliance risk for the serviced portfolio (repurchases, losses).Collection Strategies:• Led a cross-functional Team responsible for implementation of score-based collections strategies for the Non-Prime portfolio.• Worked with the Modeling and Analytics Group to develop new behavior models for collections strategies.

New York, Ny, Us

Managed collections strategies for Retail Real Estate and Auto Portfolio. Provided collections policy and acquisitions, collections, loan servicing, and external servicing quality assurance / loan reviews. Led project to migrate to new control environment for Retail Lending, including tracking of operational losses using Basel categories and implementation of quarterly self assessments and key risk indicator tracking.• Successfully managed up to 32 FTE with 9 direct reports. Employee survey results were above average compared to the total Consumer Lending Risk Management Department results.• Implemented new internally developed behavior scorecards.• Strengthened roll-rate models and identified macroeconomic drivers for loss and loan loss reserve forecasting / stress testing.

Charlotte, Nc, Us

Managed credit policy administration. Conducted credit policy and risk management training sessions. Developed and managed monthly quality assurance reviews / loan reviews and identified and resolved operational issues. Active in design and implementation of several application processing systems and resolved data integrity issues. Designed and developed systemic credit policy exception reporting. Validated cost assumptions in the pricing model for the real estate line of business.

New York, Ny, Us

Assistant Vice President, Direct Collections Implementation Team Leader, Project One, 1996Columbus, OhioImplemented the re-engineering design for Direct Collections, including consolidation of affiliate collections activity into 3 regional direct collections centers. Standardized telecommunications call flow and gained consensus for implementation. Assistant Vice President, Credit Risk Officer, 1995 – 1996, Irving, TXProvided Risk Management oversight of statewide Consumer Collections. Developed a process for tracking uninsured vehicle losses. Analyzed auto lease collections and re-marketing resulting in process improvements. Completed line of credit annual reviews; prepared credit line management strategies; prepared and implemented credit line marketing strategies.Assistant Vice President, Direct Consumer Collections Manager, 1993 – 1995, Irving, TXManaged collections for active Direct Consumer Loans and Overdraft Protection Accounts, including 45+ DPD and bankruptcy with 17 FTE. Assistant Vice President, South Texas Collections Manager, 1991 – 1993, Houston, TXManaged Regional Consumer Collections Center, 15 FTE. Consolidated the Collections function for 6 Affiliates. Successfully installed Recovery One in statewide Consumer Collections.

New York, Ny, Us

Consumer Banking Officer: Direct Lender; Operations Analyst; Section Manager: Asset Remarketing, Bankruptcy, Recovery; Branch Collections Manager; Recovery Supervisor; Lending Officer Trainee.

Music Composition

Bachelor Of Music, Music Composition