Cheyenne A. Email & Phone Number

Murray, Utah, United States

Reduce risk exposure by monitoring and documenting regulatory changes, including state and federal disclosure requirements. Enhance organizational efficiency and effectiveness by facilitating Risk and Compliance Self-Assessment (RCSA) and driving innovative processes. Increase employee satisfaction and retention by fostering frontline engagement. Maintain a positive work environment by safeguarding confidentiality while efficiently managing shared control requests.Key Contributions:Increased legal compliance and minimized potential penalties by analyzing banking laws and identifying preventive measures for federal and state mandates.Saved costs and improved resource allocation by formulating initiatives with low to moderate risk, ensuring data accuracy, and supporting informed decision-making.Propelled cross-functional teamwork and knowledge sharing by assessing policies encompassing various areas in cooperation with team members.Augmented workshop efficiency by providing support to the FST team in determining applicability of Major Compliance Requirements (MCR) attributes during pre-workshop activities.Recognized as one of the top 10 contractors for delivering outstanding services.

During this tenure, I guaranteed compliance with regulatory frameworks and compliance processes by conducting research and comprehensive analysis of legal citations and Major Compliance Requirements (MCR) attributes within regulatory inventories adhering to Deposit Products Group, CDEP, Branch Banking, SDI, and Operations for the initial phase of Risk and Compliance Self-Assessment (RCSA) facilitation. I contributed to advancement of compliance initiatives within Consumer and Small Business Banking by examining range of topics, such as privacy, product specific disclosure requirements, Americans with disabilities act, account ownership, appraisal, release of lien, and unfair, deceptive, or abusive acts or practices.Some of my key contributions during this role included:- Evaluated Major Compliance Requirements (MCR) and ensured strict adherence to federal and state regulatory mandates by liaising with legal counterparts.- Forged culture of compliance and risk management by leveraging strong understanding of organizational functions, policies, procedures, and compliance obligations.

During this job, I mitigated risk for lending institutions by performing loan evaluations for prominent lenders such as Acra, Change, Flagstar, Charles Schwab, and AMWest and complying with regulatory frameworks, including HPML, TRID, TILA, RESPA, and state regulations. I ascertained borrowers' ability to repay loans by evaluating credit reports for liabilities and credit history.Some of my key achievements during this role included:- Reduced exception errors during compliance assessments by examining collateral, credit, and income data.- Guaranteed accuracy in loan assessments by precisely calculating Debt-to-Income (DTI) and Loan-to-Value (LTV) ratios.- Promoted to Compliance Analyst role for demonstrating exceptional performance at Canopy.

Salt Lake City, Utah, United States

Processed Borrower’s Student Loan repayment requests, focusing on Income-Driven repayment plans. Following through with procedure to determine eligibility for plans on loans. Analyze Borrower’s application for all information needed for processing. Make decisions for approval or denial of request and send the appropriate letters according to procedure, making sure to meet QCexpectations. Adding notations followed by updating reporting on what has been done with the account.- Quality control oriented- Achieve subcontract department goals- Update borrower demographics based on application received.- Attention to detail- Detailed notations- Update federal reporting- Keep up with processing procedure for accurate information- Task driven- Compass Software (ms-dos)- Knowledge of National Student Loan Data System (NSLDS)- Income-Driven repayment plans (PAYE, REPAYE, IBR, ICR)- Analyze IRS, 1040 forms, proof of income, self-certification letters, and/or paystubs to determine approval or denial of a plan.- Protected company and borrower data by consistently following cyber security policies