Oversee the Audits and Exams process performed by the Business Risk Office Audit and Exam teams to support internal audits, regulatory examinations, credit reviews and independent compliance transaction testing. • Created a standardized and risk-based methodology for audit and exam preparation, Letter of Notification (LON) responses, conducting audits, exams and credit reviews, responding to requests and issues, and remediation oversight of findings.• Developed a well-managed process that allows the business more time to focus on BAU activities during audits or exams by instituting a command center approach that assisted the business in putting together responses to audit or exam inquiries needing less involvement from the business and producing quicker turnaround times to auditors and examiners.• Created a centralized process with Internal Compliance Testing Teams for Accountable Executives of Home Loans Servicing that crossed multiple levels of Capital One Financial Corporation such as Commercial Banking, Retail & Direct Banking and Financial Services (Auto & Home Loans) to create best practices around Kickoff meetings, vetting meetings and review of monthly testing results.

Oversaw the management of a loan servicing platform to control multiple financial processes required to service mortgage loans nationwide ensuring compliance to State and Federal regulations, Investor guidelines and company policies and procedures.• Oversaw the transition and management of Operations teams & processes from Laurel, MD. To Plano, TX. for the Breach letter, Pre-Foreclosure, Property Inspection and Invoice Management processes.• Participated with the management and IT teams that researched, designed, and implemented the company’s first automated system to recognize potential mortgage losses that ensured compliance with credit risk management policies.• Developed Attorney Network Oversight Process that resulted in an attorney firm reduction of 77%, attorney scorecards for better performance management activities, and a line of business partnership model that allowed a more efficient interaction model between the attorney network, foreclosure, bankruptcy Third party management, information assurance and internal Legal teams.

Business Compliance Manager, Irving, TX 2005 – 2010Led teams that reviewed and analyzed residential mortgage loans to ensure compliance with State and Federal regulations, Investor guidelines and company policies. Investigated and verified non-compliance issues to ensure accuracy. Developed, implemented, and monitored Corrective Action Plans (CAP) to ensure loans achieve compliance in a timely manner.• Significantly reduced operational costs 50% by developing and instituting a revised Risk Control Self-Assessment (RCSA) process that identifies inadequate controls earlier. Process has been adopted nationwide.Portfolio Manager, Foreclosure / Bankruptcy, Irving, TX 2004 – 2005Managed a portfolio of loans in foreclosure to ensure compliance with state and investor requirements. Supervised and trained 12 Specialists in Pre-Sale, Bid, Title, and Third-Party Funds to manage foreclosure timelines to maximize profitability and reduce operating costs.• Recognized for significantly increasing profitability by implementing a plan to utilize existing processes that identified gaps and strengthened the loan control process that allowed recovery of 2nd lien loans more efficiently.Foreclosure Specialist, Irving, TX 2003 – 2004Managed a portfolio of loans in both 1st lien and 2nd lien position in foreclosure.Bankruptcy Specialist, Irving, TX 2002 – 2003Managed a portfolio of loans in 2nd lien position performing proof of claims and motions for relief