Dana Cole, Mba Email & Phone Number

Dallas/Fort Worth Area

Process all aspects of disaster loan making and disaster loan disbursement to homeowners, renters and businesses seeking funds for repair, rehabilitation or replacement of disaster damaged personal, real or business property.• Process business loans and the more complex residential loans and all types of business and economic injury loans such as corporations, partnerships, non-profit organizations, sole proprietorships, LLCs, condominiums and homeowner associations.• Investigate and evaluate credit of applicant business, related affiliates and principal owners.• Evaluate and prepare income projections and pro forma balance sheets in order to determine when and if business can generate adequate cash flow to repay loan and other debts. • Analyze operating cycle of business to determine working capital requirements and extent of economic injury. • Determine amount of loan eligibility by identifying working capital needs to keep business viable during recovery period. • Analyze accounts receivable and accounts payable. • Apply credit elsewhere tests (financial analysis) relating to post-disaster net worth, liquidity and cash flow of amount of uncompensated disaster loss to determine applicable interest rate for approved loans.• Evaluate collateral by considering lien position and available equity. Make recommendations on amount and type of collateral needed to reasonably secure loan.

Richardson, Tx

Investigated fraud while performing detailed post-closing mortgage file reviews of secondary mortgage loans executed at closing in order to meet investor requirements. • Re-Underwrote a wide variety of product and loan types with a higher aggregate credit exposure including underwriting exceptions not determined through DU/AUS• Reviewed original loan files for completeness and accuracy• Calculated income, reserves and debt ratios (DTI,LTV, CLTV, PITI) • Identified underlying business practices and fraud exposure thru credit and property assessment

Dallas, Tx

Assisted in establishing the Center of Excellence across 4 lines of business (Corporate Security, Compliance Data Center, Global Banking & Markets and Consumer Negative News) in order to establish consistent oversight within the Negative News filtering process. • Performed a variety of AML/KYC money laundering detection activities in support of Bank Secrecy Act (BSA) and/or Anti-Money Laundering (AML) regulations designed to prevent financial-related crimes against the government while decreasing client reputational risk • Reviewed cases for adherence to EDD procedures and SPF/PEP per the Amplification Policy; Ensured analysts’ recommendations were accurate based on all information available within the alert• Onboard new hires, training/development and oversight of corporate reporting • Supervised and coordinated activities of 10 business analysts within Tier 1 and Tier 2 Investigations• Developed project plans and project milestones• Identified risks which impacted project delivery and ensured mitigation strategies were developed and executed when necessary; Managed system access requests• Maintained internal SharePoint website while ensuring alerts and cases were uploaded weekly • Managed uploads and storage of project artifacts within SharePoint sites for all 4 business lines• Drafted Quick Reference Guide (SOP) procedures for new line of business• Analyzed customer information related to system or employee generated alerts intended to identify persons and/or entities that may be laundering money, perpetrating consumer fraud, victims of consumer fraud, or funding terrorism• Facilitated remote project team meetings utilizing Webex and Bridgeline communications• Updated and published weekly status reports regarding project status and compliance gaps• Documented updates for change management review as part of the compliance lifecycle

Farmers Branch, Tx

Managed 15-30 analysts while monitoring data enrichment and remediation activities of equipment finance and railroad project from implementation cycle up to account closure. • Satisfied OCC regulatory requirements including KYC, BSA, Patriot Act and all matters related to the preparation, review, and filing of relevant regulatory investigation reports• Monitored production performance to maintain the quality of services, deliverables and content• Analyzed transactions, reviewed account alerts across business lines and reviewed customer due diligence (CDD)for potential Bank Secrecy Act/Anti Money Laundering (BSA/AML) red flags• Interviewed and trained potential KYC and AML candidates• Assisted with process improvements, procedure writing, quality assurance, and ad hoc projects • Remediation review included: customer risk rating, OFAC (PEP)/BSA Hot List Screening and transaction monitoring• Managed budget parameters/constraints and project timelines while maintaining case timelines from initial input through case closure• Tracked attendance daily in order to reduce underburn while training subject matter experts• Performed quality reviews of cases before closure and resolved escalated cases• Served as point of contact to Quality Control, Relationship Managers, SAR Memo Writers and client• Evaluated and reported progress in terms of quality and performance metrics (KPI)• Assessed and managed scope change, communications, risks and organizational change to meet case closure objectives• Sourced client documentation from internal and external data sources in order to extract key information and validate client’s identity and potential political exposure• Trained specialists in Regulatory Compliance, Process and Procedure Review, Compliance Monitoring Testing (UAT) and Reporting• Coordinated and managed UAT Testing team prior to new system roll-outs

Plano, Tx (Contract Client: Usaa)

Reviewed mortgage loans for compliance with the Good Faith Estimate (GFE) and Housing and Urban Development Settlement Statement (HUD-1) requirements of RESPA.• Remediated findings relating to RESPA tolerance errors including possible re-disclosure and calculation of any necessary reimbursements• Audited, tracked and input all HMDA data per Federal regulations • Provided recommendations for process improvements in order to prevent further compliance errors

Irving, Tx

Performed detailed post closing underwriter reviews of USDA/FHA/VA/Fannie Mae, Freddie Mac, Conventional and bank loan files executed at closing in order to meet regulatory and investor requirements.• Assessed escalated closed loans for eligibility with respect to Selling Guide, DU Guidelines and negotiated terms as defined by lender partners• Obtained and reviewed documentation to clear outstanding loan stipulations• Performed risk analysis and made decisions regarding deficiencies identified during the review process of one-to-four family residences• Extensive credit report analysis, LTV, Title, DTI and appraisal review• Identified transaction components that indicated a potential for fraud and conducted sufficient investigative work to resolve issues identified

Irving, Tx (Client: Bank Of America)

Managed 15-90 analysts across 4 lines of business (Fannie Mae Short Sale, DIL, Foreclosure, REO) conducting audit reviews of residential loans towards compliance with OCC (Office of the Comptroller of Currency) guidelines. Multi-site management expertise.• Managed medium to large client projects clearly defined at signing• Exceeded scorecard performance expectations (linked to client service level agreements) and Statement of Work objectives; Trained supervisors and Subject Matter Experts• Reviewed daily, weekly, and monthly productivity and suspense reporting while assigning cases • Consulted senior leadership to discuss issues identified through ineffective processes, compliance gaps, and possible system glitches (performance/UAT testing)• Conducted performance appraisal reviews; recommended and executed disciplinary action• Wrote job descriptions, screened/ processed time cards and interviewed potential staff

Washington D.C. (Assigned To San Juan, Puerto Rico)

Investigated financial institution fraud, conflicts of interest, and other matters relating to improper conduct involving employees, third-party affiliates and vendors.• Verified Bond and D&O insurance claims in order to ensure compliance with FDIC rules and payouts • Investigated suspected abusive practices by financial institution directors, officers and principal shareholders towards recovery of potential civil money penalties • Collected and researched bank records, financial and personal information in order to determine the accuracy and authenticity of the information collected • Conducted in-depth legal, financial, and regulatory audit reviews• Performed enhanced due diligence for high risk banking personnel while reviewing BSA, USA Patriot Act, OFAC and AML policies• Interpreted, analyzed and inventoried documentation relating to claims for possible future use in civil/criminal litigation ; Asked to spearhead FDIC Receivership project

Fort Worth, Tx

Call Center Management; Managed daily loan processing operations following presidentially declared disasters for the federal agency that approves and disburses loans for disaster recovery nationwide. • Reviewed work assignments of 22 loan officers including loan applications, loan modifications and disbursements following presidentially declared disasters• Reviewed hardship packages, credit reports, income documents (i.e. 4506T, paystubs, award letters, P&L), legal documents (bankruptcy, divorce, child support), and self employed borrower documentation• HAMP Loss Mitigation Underwriter for Wells Fargo; Reviewed FOIA requests submitted to agency• Assessed loan applications for financial ability to repay, assets, credit report for debts/liens, income verification, and appraisal for collateral risk and equity availability• Provided telephone monitoring services within a call center environment, participated in audit reviews and provided congressional summary reports based on audit findings• Applied knowledge of complex residential and business loan documents (i.e. Security Agreements, mortgages, title reports, mortgage notes, appraisal reports, deeds) in order to coordinate escrow closings• Reviewed construction contracts, building permits, Home Equity Lines of Credit and homeowner insurance documentation; Obligated and closed federally disbursed disaster loans• Counseled borrowers on personal, family, financial, employment, behavioral and crisis matters thru financial coaching• Managed a portfolio of 250-500 loans while coordinating and participating in escrow closings for homes and business loans ranging from $500-$1.5million• Reviewed/processed home, business, economic injury and multi-residential investment properties • Reviewed flood and hazard insurance documentation to determine coverage levels and offered mitigation assistance

Torrance, Ca

Guided and managed the overall provisions of HR services, polices and programs within an upscale retail store grossing $50 million annually.• Human Resources Management: Recruited, hired, and trained 200+ new-hire supervisors, customer service, logistics, and administrative team members• Provided performance management, employee relations, terminations, exit interview and onboarding services to retail staff• Created succession plans• Strategic recruitment and public relations activities to include attending job fairs and professional networking events• Performed reference checks and random payroll audits• Ensured regulatory compliance with ADA/EEOC/OSHA/HIPAA and Affirmative Action• Training/Staff Development: Led/Designed new-hire orientation and Train-the-trainer workshops• Conducted Harassment, Diversity Awareness, and Role Specific Training to new employees• Supervised 4 Human Resource Specialists• Benefits Administration/Compensation: Administered employee benefits and compensation for 430+ associatesACHIEVEMENTS: Realigned retail staffing. Hired 200+ seasonal employees within five months to prepare for a highly profitable holiday season. Managed the hiring and training of personnel towards an increase of staff (430+ employees from 230 previously). Conducted startup operations, staffing, and training for 5 new Target stores.

San Francisco/Oakland/Dallas/Florida/New York

Screened, Interviewed, tested, and referred well-qualified applicants for federal positions within the newly formed Department of Homeland Security (TSA).• Management/Startup Operations: Recruited both exempt and non-exempt airport personnel for federal positions within the newly formed Department of Homeland Security• Traveled 75% nationally to provide startup security services at major airports in New York, California, Texas, Florida and other states following September 11th• Extended contingent offers of employment based on structured, behavioral interviews and assessment scores• Supervision/Staff Development: Trained and coached 6 HR Assistants who processed employment, payroll, and security clearance documentation• Reviewed and verified I-9, W-2, SF-85P and other new hire documentation of each candidate to ensure accuracy and authenticity • Created initiatives in order to increase diversity recruiting • Demonstrated ability to adapt to a variety of human resource issues with successful outcomes while recruiting in a diverse and dynamic environment• Trained staff in operation of an automated web-based system for recruiting federal security personnel ACHIEVEMENTS: Participated with a Human Resources team that hired 5,000 employees during a 6-month period.

Master Of Business Administration (M.B.A.), Business Administration

Bachelor’S Degree, Business Management

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