Daniel Hamilton Email & Phone Number

Greater St. Louis

St Charles, Missouri, United States

St Louis, Missouri, United States

St Louis, Missouri, United States

Saint Louis, Mo

Saint Louis, Missouri

California

Fraud Prevention Due Diligence, Audit Services; internal and external audit, Quality Control, operational compliance, regulatory compliance and Risk Management Consulting.

Greater Nashville Area, Tn

Promoted to Assistant Vice President of Fraud & Risk after effectively reducing company losses and repurchase demands stemming from underwriting negligence, quality control & regulatory compliance audit defects, fraud and/or misrepresentation issues that recovered company profits in the six-figures within the first 12 months. This was achieved by facilitating on-going training workshops for all departments and establishing various fraud prevention and risk management safeguards that effectively increased monitoring, identifying and reporting red flags and high risk alerts ultimately minimizing risky loans and improved overall quality, efficiency, and overall production. Educate staff on minimizing risk, compliance analytics, quality control auditing, emerging fraud schemes, fraud awareness and investigative due diligence. Member of SAR Committee and acting BSA Officer Assistant; Conduct Red Flag Audits and review Red Flag Worksheets to determine if a SAR needs to be filed.Oversaw the Business Partner Approval Process and Vendor Management Review for new clients and re-certifying existing client relationships annually. The scope of the approval process included reviewing the business partners current quality control plan or internal controls, QC and Compliance Policies, business affiliations, resumes, financials, licensing and recommend a company risk profile.Oversaw AMC Vendor Management & Title Approval Vendor Management to ensure compliance. Assist the build-out & implementation of internal fraud reporting tools and training.Manage, maintain and distribute company watchlist/exclusionary list.Subject Matter Expert for MultiCultural Lending Team, citizenship eligibility programs, DACA, documentation standards, IRS requirements, and identity theft prevention and emerging identity theft schemes. Negotiate vendor contracts & explore opportunities and execute re-negotiations of existing contracts for products/services to reduce company expenses.

Greater Nashville Area

Compliance - Quality Control - Fraud - Audit Services - Risk Analysis - SME - CFENewly created position reporting directly to the Chief Risk Officer and President. In this position, I worked alongside Executive Management to analyze risk in the operational departments related to credit underwriting (mortgage origination - servicing). Conduct audit services and asses risk by auditing loan files, work with staff on fraud awareness and mortgage fraud prevention, monitor exposure to fraud & risk by implementing several prevention and detection tools/techniques internally and perform TPR Audits on broker relationships and third party business partners. Conduct Quality Control & Quality Assurance testing to help improve internal systems within operations by training staff to utilize certain fraud and quality control products such as FraudGUARD, Second Look, LexisNexis and other systems optimally. Additionally, I work on various high priority projects as requested by the Executives or Board of Directors such as red flag analysis, fraud investigations, analyze risk related to Repurchase Demands by conducting Repurchase Analysis and Rebuttal, asses servicing issues, audit Early Payment Defaults, loss forecasting, handle client relations, contract negotiations, consumer complaints, drafting & implementing Operational Policy and Procedures, and vendor management audits. I often conduct training to operational staff and TPO's on updated regulations to Compliance, Quality Control, Fraud & Red Flag Awareness, and the basic fundamentals of loan origination-underwriting.Acting BSA Officer Assistant reporting to the Board of Directors on internal Policy, BSA/AML Compliance, SAR Filings, Red Flag Analysis and Fraud Examinations, Mortgage Fraud Prevention Program, CIP / Identity Theft Prevention, internal risk assessment, other mortgage compliance standards implemented by CFPB, FHFA, and other GSE's (FNMA, FHLMC, FinCEN, etc).

Saint Louis, Mo

Perform various audit services for the underwriting department and operations staff. Conduct front end compliance audits that encompass investor and agency guidelines. Conduct audits on underwriters who are seeking underwriting loan authority; perform LQI, Quality Control and Compliance audits; integrate company policy into the underwriting process; ensure quality efficiency across the underwriting department and identify underwriters in need of training both new and senior staff. Help identify red flags and resolve potential conflicts of interest or audit deficiencies prior to close. Work in conjunction with the Chief Compliance Officer, Chief Operations Officer, VP of Operations, Underwriting Manager and Underwriting Lead Auditor.Adept knowledge of FHA, FNMA, FHLMC, VA, USDA and compliance and credit underwrite related scope such as SOX 404, AML, RESPA, HOEPA, TILA, MDIA, ECOA, HMDA, FCRA, Reg Z, Reg X, FHAct, Safe Act, Section 8 Government Assistance ,Section 32 / High Cost, Higher Priced Mortgage Loans, loss forecast, risk assessment / risk analysis, HAMP, loan modification and foreclosure process.Identified as SME and Fraud Escalation Manager; created a fraud escalation process and workflow within underwriting that identifies loan deficiencies during front end underwriting and loan set-up. Reduce audit deficiencies and fraud by performing fraud and risk analysis assessments at loan level review and conduct training with operations staff to increase fraud awareness and quality efficiency improvement. Assist with repurchase rebuttals on impaired loans, investor rejects, scratch and dent, or MI rescission and (EPD) early payment default. -Credit underwrite with Loan Authority-Pre-Close front end Quality Control / Quality Assurance-Front end credit underwrite audit services-Efficiency Improvement -Compliance Audit-Loan Authority Audit-Fraud and Risk Analysis-Impaired Loans (Scratch and Dent)-Internal Training-Fraud Awareness / Fraud Training

Saint Louis, Mo

Perform a risk analysis and fraud review of mortgage transactions through credit underwriting to examine for potential fraud, ensure compliance of state and federal laws, ensure lenders were compliant with industry regulations and agency guidelines, detect origination misrepresentation and conduct re-verifications of income, assets, and borrower credit profiles, conduct risk assessments related to mortgage defaults and foreclosures to determine potential loss and assess loss forecasting, ensure all parties of the mortgage transaction were within compliance of government regulations under the (NMLS) National Mortgage Licensing System Registration database and verify registrations and Safe Act Requirements, review agency guidelines and lender overlays for major financial firms and government agencies.Performed compliance risk assessments / analysis of different lenders Quality Control Plans and mortgage portfolios. Assist in the training of Quality Control and Compliance Audits (multiple levels of customized audit services were available and conducted). Assigned to create and build the working structure and foundations around a new Research and Development team tasked with the objective to create new audit products, create Quality Control Plans, Asset Recovery plans within compliance of Fair Debt Collection Practices Act, and maintaining current with industry standard and government regulations in relation to mortgage banking / lending such as TILA, RESPA, HOEPA, Regulation Z, Regulation X, ECOA, FCRA, Fair Lending, MDIA, FHAct, Section 8, loan modifications, HAMP and others related to fraud prevention & detection within credit underwriting.Interthinx, A Verisk Analytics Company, uses advanced technology and leading proprietary databases coupled with manual audit services to create industry leading risk analysis of mortgage transactions during all phases of the mortgage lifecycle for all mortgage lenders / bankers, mortgage brokers and government agencies.

Saint Louis, Mo

Origination of Conventional, FHA, and VA mortgage transactions as one of the company’s lead financial consultants / loan originators. Assisted with processing loans aside the processing manager, assisting clients with their financial needs by fielding their questions and relaying current market trends and product knowledge to them to ensure they make the best decisions in regards to their financial security and proper financing while fulfilling all their needs. Introduced into a new lead role, worked alongside project management and executive management, helped increase efficiency in the processing unit by implementing new policies and procedures of newly originated loans which resulted in increased company revenue, reduced overhead costs, increased efficiency in origination / processing & underwriting loans while working with lenders underwriting teams and management staff to create stronger working relationship for the company. Introduced the company to new lenders which expanded product offerings and ultimately increased company profitability, opened communication with lender’s underwriting team which resulted in a designated underwriter due to increased sales after company growth and additional sales / financial consultants were brought on to handle the volume of inquiries the company was receiving from referrals of previous clients, new business from local real estate agents / real estate firms, insurance agents / insurance companies and residential appraisers by reaching out to local professionals and establishing strong working relationships. Illinois licensed loan originator through the Illinois Department of Finance and Professional Regulation.

Saint Louis, Mo

Brought an extensive sales background which contained several years of sales management and area management into a financial consultant / sales role. Completed multiple educational courses within mortgage lending and origination conducted by the (MBA) Mortgage Bankers Association that initiated my knowledge of mortgage sales, origination, and processing. Maintained a large pipeline of mortgage clients, created new leads from referrals through existing business as well as new business solicited through various avenues such as phone interviews, incoming leads from local and national advertisements created by the company, and self generated business leads. Conducted quality reviews of the companies previous clients and past prospects to review the potential of new business that allowed myself and the company to originate sales that created increased revenue, reduce debts and other financial obligations for clients; while costing the company no additional costs for advertisements or sales solicitation due to generating the leads from the companies own proprietary information and customer/prospect database. Illinois licensed loan originator through the Illinois Department of Finance and Professional Regulation.