D. Morgan Email & Phone Number

Acts as a legal contact for Home Lending topics such as fraud, real estate owned, eviction, building, code and compliance, conflict waivers, property preservation, hazard claims, and default accounts payable. Provides legal advice to real estate owned divisional partners relating to reporting requirements and engagement with authorities.Develops and maintains relationships with key internal partners, including Senior Business Leaders, Operations, Risk, Compliance, and Control.

Served on the WIM Policy Implementation Team for Customer Redress and led the initiative to update, and/or create procedures, processes, and user guides for alignment.Led the initiative to design and implement an error corrections interest calculation process within the WIM Banking Operations space in order to comply with Wells Fargo Policy.

• Develop, enhance, and sustain successful business partnerships with key business line leaders withinWells Fargo.• Clearly communicate overall transactional risks and provide feedback to appropriate individualsregarding material deficiencies or inconsistencies.• Review inherent risks and actively engage various Lines of Business to ensure compliance with officeprocedures and conditions precedent.• Review and interpret contractual language to ensure accuracy within the system of record.• Develop, enhance, and sustain successful business partnerships with key business line leaders withinWells Fargo.

Charlotte, North Carolina Area

• Ensures data entered into systems of record are accurate and complete according to the terms of an executed legal document.• Provides the legal interpretation of clauses located in contractual agreements.• Exhibits excellent verbal, written, and interpersonal communication skills.• Reviews the implementation and efficiency of quality and inspection systems while recommending and monitoring corrective and preventive actions.• Collects and compiles statistical quality data and prepares reports to communicate outcomes of quality activities.• Trained and proficient in Square and Credit View.

Charlotte, North Carolina Area

• Ensured other divisions and production are in compliance with Wells Fargo’s policies and applicable laws by auditing the internal opening, researching, and quality control divisions. • Identified risks and recommended standards to improve performance based upon approved matrixes. • Ensured risks and problems were clearly documented and interacted with the appropriate parties for timely resolutions.• Consistently met deadlines while ensuring documents met quality and quantity standards created by the Department.• Trained and proficient in One Sum, Rede, Hogan, EDiv, Mars, Microsoft Word, and Abode Acrobat

• Represented property management companies with lease development, interpretation, and landlord tenant issues concerning the summary ejectment process. • Advised small businesses and consumers on potential liability, legal claims and compliance with state and federal law.• Reviewed and drafted business contracts in accordance with North Carolina law.• Litigated civil court cases in District Court between consumers and small business owners.

Concord, North Carolina

• Practiced civil litigation in the areas of family law; specifically absolute divorce, equitable distribution, child custody, and alimony.• Drafted legal memorandums, complaints, answers, settlement agreements, court orders, contracts, living wills, and advanced directives. • Represented clients in child support and abuse and neglect cases against the Department of Social Services in District Court.• Assisted clients in debt collection matters by contacting collection agencies and negotiating the terms of payment plans and debt forgiveness.

Goldsboro, North Carolina Area

• Provided clients with legal representation in the areas of mortgage foreclosure, consumer rights, unemployment benefits, Medicaid benefits, landlord tenant, and probate matters. • Represented clients during Division of Employment Security Administrative Hearings, defended tenants’ rights in Small Claims and District Court hearings.• Contacted mortgage providers and submitted loan modification documentation to avoid foreclosure, researched and assisted clients in receiving Medicaid and disability benefits.

Bachelor’S Degree, History Education

Activities and Societies: Duke University Study Abroad Scholar, Ghana, Africa C.A. Jones History Club, President Alpha Kappa Alpha.

Juris Doctor (J.D.), Litigation

Activities and Societies: Dean’s List Scholar Mecklenburg County Bar Association, James B. McMillan Fellow Pro Bono Service Award Mock.