Partnering with clients nationwide to provide advisement, control testing, outsourcing and training services to commercial real estate loan servicers. Develop custom operations strategy solutions, risk management and compliance programs in a scalable manner.Our areas of expertise include:Areas of expertise include: o Operations Assessmento Policy & Process Development and Procedure Documentation o Rating Agency Preparednesso Systems Implementationso Special Projects & Project Managemento Fraud Investigationo Anti-Money Laundering (AML)o Regulatory Compliance Testing / Internal Audito Flood Insuranceo Training

· Constructed, developed and led Compliance Team of more than 20 members resulting in the reduction of regulatory audit findings. · Manage the development, implementation and monitoring of an ongoing, internal regulatory compliance audit program covering multiple client and vendor relationships/multiple functional units, including CFPB, RESPA, UDAAP, and FDPA. Partner with internal operations and external clients to mitigate financial and brand risks. Established, executed and maintained adherence to client, internal and regulatory procedure audits. · Develop and direct the performance of compliance audits based on client and regulatory requirements, including the development of audit procedures, controls and assessment of risks, analysis of records, reports, regulations and operating practices and procedures. · Develop efficient workflow patterns, establish performance standards, procedures and policies, ensure adequate staffing and staff training as needed to support a full-service audit program. · Effectively manage relationships and ensures communication and reporting on compliance adherence to internal and external to clients. · Ensure administration of operating budget for area of responsibility, managing expenses against plan objectives.

· Developed and implemented internal audit program and determined whether the department’s risk tolerance, control, and governance processes, as designed and represented by management, were adequate and functioning in a manner to ensure business risks are appropriately identified and managed. · Established reporting system to assure significant financial, managerial, and operating information was accurate, reliable, and timely, and employee’s actions complied with policies, standards, procedures, and applicable laws and regulations. · Directed and implemented compliance program had measurable continuous improvement and were fostered in company’s control process. · Determined significant legislative or regulatory issues impacting the company are recognized and addressed properly. Reported violations of compliance or regulatory standards to governing board and bank clients as appropriate or required. · Ensured the company’s policies and procedures comply with Federal and State government guidelines (FHA, GNMA, FNMA and HUD), as well as other Reverse Mortgage Ethics agencies (NRMLA). Provided assistance and documents to external regulatory auditors. · Developed and implemented processes to improve collection of HMDA data and maintain integrity of the data. · Managed company and loan originator licenses using timely renewals, reports, meeting of regulations, and payment of fees.

Lending to banks for start up purposes and correspondent banking.Lending to bank executives.

Underwrote commercial loans including real estate, construction, industrial, and retail loans.Specialized in Builder Finance for 4 years.