Scott Bertram Email & Phone Number

Austin, Texas, Us

Charlotte, North Carolina, Us

Reviewed a major bank's internal ethics office investigations arising from operations in Mexico. Translated reports, communications, and testimony from Spanish to English. Drafted closing reports and presented closing reports to ethics office executives for final approval to close.

New York, Ny, Us

Served as SME in mortgage lending and servicing field, assisting colleagues and attorneys on multiple projects for a large banking institution. Advised and guided legal compliance team regarding substantive interpretation, applicability determination, and prohibitions. Reported to Senior Project Manager. State Laws & Compliance: Ensured comprehensive alignment to state laws and regulations for 54 US jurisdictions with oversight of products and services by building “encyclopedia” to respond to regulatory compliance directives. Legal Summaries: Drafted summaries of laws and regulations to communicate how a bank must act to ensure compliance and develop controls to adhere to state laws and regulations. Project Management: Served as Project Leader to facilitate onboarding and training of new hires and acted as liaison between team and corporate leadership, enabling transparent communication. Legal Discovery: Compiled research on state laws involving how a “seller” may enter into consumer contracts that renews at particular intervals to determine whether current business practices conform to state laws.

Coppell, Tx, Us

Collaborated with fellow attorneys and colleagues to serve as legal counsel for default servicing lines of business. Served as Counsel for loss mitigation, foreclosure, and bankruptcy groups regarding state and federal regulatory requirements and prohibitions. Ensured proper legal oversight of loan modification terms, disclosures, acceleration notices, and statutes of limitation. Drove review of vendor agreements and vendor reporting on regulatory and contractual compliance. Reported to the Deputy General Counsel. Collaboration: Worked with diverse team on cross-functional project complying with CARES Act mortgage forbearance and credit reporting requirements to comply with federal and state requirements during pandemic. Rules Implementation: Managed all aspects of new NY Department of Financial Services servicing rules from research and interpretation through development of procedures, vendor alignment, and QC testing. Change Management Process: Utilized AI-powered vendor to identify laws and regulations that were new or had been amended, ensuring any new requirements were communicated and implemented.

Dallas, Tx, Us

Directed development of RCSA scope and assignments, including drafting and presenting kick-off materials and reviews. Evaluated risk, including mitigation controls, and residual risk across multiple lines of business. Ensured comprehensive statutes, regulations, and agency guidelines applicable to functioning of enterprise were known and updated. Reported to Compliance Program Director. Legal Drafts: Authored and edited revisions to AML Customer Risk Rating Model documentation to ensure revised model addressed current regulations. Compliance Monitoring: Developed tracking system of record for compliance involvement in First Line of Defense Risk Control Self-Assessments, ensuring business partners provided necessary info within a stringent timeframe. Sensitive Document Management: Managed upgrade of regulation library, including identification of statutes, regulations, and agency guidance documents for applicability and department relevance.

Drove all operations and management of multiple contracts in collaboration with clients throughout the entire lifecycle of projects. Gathered research, serving as guide and liaison on matters related to state gaming laws, trusts and estates, and real estate property liens.Communication Management: Managed all litigation for landlord-tenant matters to streamline communications. Document Draft and Review: Ensured proper oversight and drafting of mortgage servicing manuals, policies, and procedures as needed.

Charlotte, Nc, Us

Promoted to lead team negotiating with cities and nonprofits for disposition of bank-owned properties. Fostered strong and long-lasting relationships with elected officials and non-profit leaders nationwide. Reported to Loss Mitigation Executive, managing 16 employees overseeing complaint resolution with mortgage lending, safe deposit boxes, and deposit accounts. Contract Negotiation: Mediated agreements with multiple municipalities for maintenance, renovation, and demolition of 500+ abandoned properties. Regulatory Compliance: Realized savings of $4M+ in potential code violations and losses related to property seizures by facilitating compliance with obligations under National Mortgage Settlement. Team Management: Oversaw all operational leadership for a team of relationship managers and support staff, including training, workload optimization, and goal development.

Charlotte, Nc, Us

Served as Counsel on property preservation, short-sales, deed-in-lieu of foreclosure, and REO business units. Represented banks in meetings and negotiations with city leadership and code enforcement officials. Ensured comprehensive support for operations and litigation involving property preservation matters and REO on vendor management issues. Reported to Assistant General Counsel of Foreclosure and Bankruptcy. High-Profile Negotiations: Collaborated with peer bank representatives to negotiate with City of Chicago to reverse municipal ordinance imposing pre-foreclosure liabilities on mortgage servicers regarding property maintenance. Property Code Violation Negotiations: Successfully negotiated with City of Rochester, NY, to provide notice of property code violations and opportunities to remediate before imposition of fines and other actions. Fee Limitations: Compiled fee limitations and requirements charts for GSE, FHA, and VA allowable property preservation services.

Charlotte, Nc, Us

Counsel retail, correspondent, and wholesale mortgage lending groups regarding application and closing disclosures, title insurance, appraisal, and general settlement issues.Train loan processors and closing staff regarding Texas "(a)(6)" or "home equity" loans.Review and approve revisions to policies and procedures in regulatory change management process, and customer complaint responses following root-cause analysis.Assist internal investigations of fraud.Support affiliated appraisal management company, including: revise policies and procedures; review product changes for regulatory compliance and risk tolerance; revise structure of appraisal review and review board membership requirements.Review and rebut title insurance claim denials.Accomplishment: developed a process, and negotiated approval from multiple title insurers, for obtaining lender and title insurer “clear to close” that could prevent 48- to 72-hour delay. “Deemed Issued” agreements between lender and title insurers by-passed the need for settlement agents to receive physical “clear to close” letter, which, due to very high transaction volumes, frequently were not included with closing documents.

Jd, Law

Ba, History

Education record

Education record