Denette Dotson Email & Phone Number

Mesa, Arizona, United States

As a Corporate Paralegal, Sr. Director at DigniFi, I serve as DigniFi’s business partner liaison, working with outside counsel and department teams while managing support staff to achieve company goals. •Train new company Executives•Maintain current knowledge of Regulatory Compliance laws, processes, and industry best practices. •Investigate, research, and provide feedback for customer and regulatory complaints.•Oversee Vendor Management, reviewing and monitoring company contracts.•Manage corporate filings and documents.•Perform analysis of transaction(s) to identify suspicious activity to determine SAR e-filing. •Work closely with the Customer Service/Collections, Compliance, Risk, Credit, Marketing, Business Intelligence, Sales, and Training teams to improve performance.•Communicate and monitor findings discovered through monthly audits.•Assist management and the Compliance Manager with implementing procedures that address newly enacted AML/US Patriot Act, FACTA regulations, or procedural modifications.•Assist in annual compliance training development and execution.•Identify compliance risk by completing detailed business process reviews; Maintain the business process review schedule; document, track and report on compliance/operational risk or issues identified through these reviews.•Prepare management reports to summarize findings relating to compliance analysis.•Assist in the development and conduct of ongoing and targeted compliance monitoring and/or testing.•Assist Compliance Consultant with managing the team of Compliance Analyst and Specialists.•Assist in the execution of the compliance risk assessment schedule.•Identify and assist in resolving business and legal issues related to the customer experience. •Assist Compliance Consultants update and implemented our Corporate Compliance Program to ensure compliance with all lending regulations (Bank Secrecy Act, Patriot Act, Anti-Money Laundering Regulations, Fair Lending Regulations, etc.).

In addition to my duties as a Corporate Paralegal, as a Director, I stay abreast of all federal and state regulatory changes in the financial industry and ensure the changes are communicated to and addressed by company management. • Participate as a key team member on scheduled audits, executing audit projects from start to finish responding to due diligence and audit request• Review and execute MNDA, NDA, and company agreements• Adapt and edit policies and procedures to comply with newly enacted regulatory issuances and legal changes.• Research financial rules, regulations, operating areas, products, and services.

Mesa, Arizona, United States

As a Corporate Paralegal, I serve as DigniFi’s business partner liaison, coordinating reviews and approvals for marketing and project management.• Assist in ensuring DigniFi remains compliant with all Consumer, State, and federal regulations.• First review on Marketing materials to prevent violations of legal, internal policies, and regulations• Propose internal control systems to prevent or deal with violations of legal guidelines, internal policies, and partner agreements.• Respond to alleged violations of regulations, policies, procedures, and program agreements by evaluating or recommending solutions• Managed state onboarding and license renewals, and audit requests within and outside of the NMLS• Obtaining necessary states certificates and licenses. • Participate as a key team member on scheduled audits, executing audit projects from start to finish• Assist with daily operational duties• Assisted with ad hoc projects to achieve team goals and objectives, as needed.• Business Partner Liaison

In my Compliance Analyst role, I was able to assist in the testing, monitoring, and reporting of state regulatory requirements to assess internal compliance processes, and existing and/or new statutory and regulatory requirements. Other duties and responsibilities included the following:• Perform testing of transactions and process design. Support testing by including supporting documentation with test files.• Complete reviews timely and adequately document the evaluation of the effectiveness of the internal controls.• Maintain strong working knowledge of Federal regulations applicable to the assigned areas of the review.• Identify and validate issues - during testing & monitoring- in order to conclude on the effectiveness of the controls to comply with company policy or applicable regulatory requirements. Discuss potential corrective action plans with the business and provide recommendations for an action plan.• Report results of compliance testing and monitoring to Chief Compliance Officer and other senior leaders. • Engage with the various business team as necessary regarding issue identification, root cause analysis, and remediation, with recommended time tables for corrective action. Track and report on corrective action progress.• Provide key input to the development of the annual Compliance Testing plan. Identify risks and independently evaluate the efficiency and effectiveness of internal controls. Maintain all organizational and professional ethical standards.• Design and execute monitoring reports and processes designed to be proactive indicators of compliance risk. Assist with the creation and reporting of applicable Key Risk Indicators (KRIs) and Key Performance Indicators (KPIs).• Track findings and resolutions of compliance issues identified from testing and monitoring program; monitor corrective action plans are properly executed to mitigate compliance-related risk to the Company.• Conduct ad-hoc reporting, testing, or projects as assigned

Bay Equity Llc

Monitors compliance activities as assigned including oversight of initial disclosures and re-disclosure during the loan process to ensure compliance with applicable internal policies and procedures and external regulations. Ensures loan cancellations and declines are completed timely, meeting federal regulations, assisting in oversight and review of advertising and marketing material to ensure compliance with all applicable regulations. Provides guidance and support to the licensing coordinator and act as a back up as needed. Provides branch oversight and perform monthly data scrubs to ensure correct reporting for NMLS and HMDA. Participates in compliance reviews, projects and training efforts, customer service and complaint intake Tracking of responses with follow up to reporting SEVP. In addition assist in risk management efforts in ordering re-verification of employment, income, asset and occupancy certifications. Upload file selections for auditor review monthly. Generate reports from post close qc software with managing and responding to other QC requests. Communicate with auditor team members and track status of file audit completion.

San Francisco Bay Area

Manage Broker and Appraisal Desk process and maintaining service standards, submission logs and application files. Making changes within the Loan Origination software and Optimal Blue (pricing engine) to show updates to A.E. Verify eligibility using multiple web based programs and by using analytical skills to ensure the minimum requirements for FHA approval exist. Once all information is verified through all systems the Coordinator must save all documents to server and notify Broker/AE of approval.Utilized established policy and procedure to ensure efficient workflow within established standards and guidelines. Worked with Appraisers and AMC’s daily to ensure on time delivery of quality appraisal reports. Investigated customer and service provider questions, concerns and issues; utilizes their knowledge base to resolve or quickly escalates to Manager. Communicated routinely and openly with Manager and teammates regarding issues, conflicts and concerns as they arise. Diagnosed problems identified through telephone and electronic communications with appraisal service providers and address or escalate efficiently. Utilized internet-based order management software, following direction from Manager. Performs careful review of orders throughout each day. Comprehended and followed documented client specific appraisal requirements. Provides follow-up on a consistent basis with notes placed in DataTrac for Underwriting Department and Broker/AE support. Handling appraiser’s billing and administrative questions and concerns. Responds to inquiries from Underwriting Department and Broker/AE.

San Francisco

Communicated with AE and Brokers to provide status of application. Request/verifying the accuracy of documentation, remaining current on company requirements and ensure compliance. Verify the receipt of all required documents, if all information is present then create the broker records in Data Trac and Optimal Blue. If information is missing or incorrect notify Broker/AE of the steps to take to proceed with approval. In addition review Optimal Blue and Data Trac to verify that broker is eligible for an update to their Comp Plan. If so, save documents to Broker folder and make changes in the Data Trac and Optimal Blue and notify Broker/AE of change. If not, notify and inform as to why the request was denied.

Concord, Ca

Processed income conditions, ran QC and prepared files for review by Underwriter in a paperless environment. Prioritizing tasks appropriately, meeting established turn times, deadlines and service levels. Ran and reviewed credit refresh reports, LDP/GSA, 4506T's transcripts and Social Security number validations while tracking their process to ensure results were returned and uploaded. Reviewed conditions submitted and logged them as received in the system, ensured all condition were submitted and communicated with Brokers and Branches accordingly. Ordered appraisal review or AVM products as required by program, and reviewed for changes and moved file to Underwriting for review and final sign off of conditions. Ordered FHA Connection case numbers, QC Verbal VOE's, Flood Cert and re-ran with reviews of AUS with minor changes to income, loan amount, appraised value, rate, funds to close, debts, etc. Signed off Credit Supplements and updates, PTF conditions related to Funds to Close: gift funds, liquidations of funds, paper trailing deposits, earnest money and clearing, pension, overtime, and bonuses.

Master Of Business Administration - Mba, Business Intelligence

Advanced Paralegal Certificate

Advanced Paralegal Certificate

Bachelor Of Business Administration (Bba), Finance, General

Animal Science

Higher Education/Higher Education Administration