Financial professional dba EuroLingua provides interpreter and translation services for people who don’t speak English but need the assistance of an experienced professional in this field. I am fluent in English, Croatian, Bosnian, Serbian, and Montenegrin. I accompany my clients to their medical or legal appointments, and, depending on the customer, I can also accompany them to any other appointment where they may need my assistance. I am also a notary public for the State of Colorado, so upon translating legal, medical, school, or any other records, I can also notarize those documents as well.  My clients can always count on my professionalism, discretion, and outstanding customer-focused service.

Responsible for ensuring compliance with the Bank’s lending guidelines and state and federal regulatory requirements on the high dollar amount commercial and wholesale loans and lines of credits, including syndicated lines of credit issued to businesses if varying sizes and also large corporations. Ensuring that adequate insurance coverage is active and in place, protecting the pledged collateral and the Bank’s interest.

Performed forensic financial analysis and loan level auditing for third parties and government entities on all aspects regarding mortgage loan servicing: PMI/MIP, RESPA guidelines, investor guidelines, payments application, escrow account review, investor reporting, foreclosure and judicial foreclosure timeline, loss mitigation efforts and regulatory compliance. Managed subservicer sor the performance of servicers under the guidelines and regulations of the today’s regulatory environment. Utilized customized scope of reviews developed based on experience, layered with specific servicing agreements, industry best practices and federal and state regulations to provide a comprehensive oversight solution. I combined ongoing loan-level reviews with onsite servicer audits to provide best-in-class surveillance solutions. In addition to the identification process and recommendations of various proactive solutions to ensure subservicers' and servicers' compliance with best industry practices. Additionally, my duty included the implementation and ongoing surveillance of our recommendations.I performed loan level reviews and surveillance including the following:*Repurchase Reviews for Rebuttals and Demands*Mortgage Insurance Claim Administration*Collateral Document Reviews*Incentive Auditing*Compensatory Fee Reviews*Servicing and Pay History ReviewsLoan level reviews and surveillance were performed using both servicers' (clients) and PCA's proprietary technology

• Review the loan file for completeness, per the product profile, prior to the preparation of the Closing Instructions.• Handled closings in Colorado, Wyoming, Nevada, New Mexico, Montana, Arizona and Idaho (West Operations Center)• Monitor high cost, TILA violations, and RESPA regulations including review of the Closing Disclosure for accuracy and adherence to the 0% and 10% tolerance rules, and implemented tolerance cures as needed. Reviewed the tolerance again prior to generating final Closing Package and final Closing Disclosure to ensure accuracy after the final title fees and recording fees were provided by the title company and / or settlement agent(s)• Communicated details of the Final Closing Disclosure with the MLO, title agent or attorney.• Followed up with the closing agent for the approval of Closing Disclosure and return of closing document package.• Audited closing documents and ATC conditions (at time of closing) for completeness prior to submitting the closed loan file to the Post Closing Department.• Cleared up post-closing deficiencies for missing or expired documents with processing department and Mortgage Loan Officer

As a Senior Escrow Analyst, I have written various job procedures for the Escrow Department, and performed duties and tasks related to the escrow portion of the mortgage loan servicing: ad valorem taxes, hazard, flood, windstorm and earthquake insurance and mortgage insurance (PMI and MIP.) Additionally, I analyzing, tracked and processed hazard, flood and windstorm insurance claims, monitored the repairs of the damages or rebuilding of the destroyed properties. I also worked on various ad hoc projects.My primary responsibilities include the following:*Analysis and preparation of journal entries for each monthly close on both a GAAP and Tax basis. *Determine appropriate accruals, standard entries, allocations, reclasses and adjustments to accurately reflect the monthly results of each property*Communication with Property Managers and Internal Management to ensure completeness and accuracy of income and expenses as well as the exchange of information on various projects.*Generate financial reports to report monthly, quarterly and annual results.*Review operating cash flows, balance sheets and income statements for accuracy and completeness.*Preparation of reports and documentation including expense and income review, journal entries, supporting analysis, escrow analysis, accounts payable, accounts receivable and fixed asset analysis including depreciation, additions and disposals.*Responsible for analyzing and recording fixed asset additions, disposals, acquisitions, and sales and depreciation postings in accordance with fixed asset capitalization policies. *Prepare monthly reporting for Lenders, Partners and other third parties.*Support the annual budgeting and projection processes.*Preparation of documentation to support year-end close and related audit packages.*Ensuring timely payment of certain property expenses such as private mortgage insurance payments, ad valorem taxes and various other expenses.

As an independent consultant, I was responsible for translating Erste & Steiermärkische Bank's guidelines, rules and regulations to be compatible with the monetary policy of the European Union, due to the official accession of the Republic of Croatia to the European Union as its 28th member country in July 2013. The main goal of the Republic of Croatia's monetary policy is to join the Eurozone. I was also tasked with the translating Erste & Steiermärkische Bank's proprietary documents into Croatian and English. Additionally, as a corporate trainer, I translated, ediedt and ultimately provided the Erste & Steiermärkische Bank's training material, procedures, and codes of conduct to assist the Erste & Steiermärkische Bank's staff and mid-level management on how to transition to the revised banking products, including retail banking, credit, checking, savings accounts, mortgage banking, auto financing, personal loans, as well as certificates of deposit and various types of pension plan accounts.Due to my previous experience with identity theft and anti-money laundering, I also provided the locally based Bank's leadership on the industry trends, challenges, and opportunities for anti-money laundering, counter terrorist financing, prevention of human trafficking, sanctions, etc.Advised on strategic priorities and product solutions content, participated in product planning - such as checking (called "fluid chequing") accounts, savings accounts and others. Held several training sessions with emphasis on charitable organizations that are actually used as a front for financing of terrorist organizations. Created AML-focused business guidelines documents, working closely with locally based Erste & Steiermärkische Bank staff and interpreted and translated European Union's monetary regulations and regulatory directives that were designed for EU members that do not use Euro as their currency. Croatia, for example, uses Kuna (HRK.)

As an international independent contractor, I was working from home in Florida, reviewing various compliance issues and matters such as fraud, identity theft, and reviewing cases of possible money laundering activities and other criminal activity connected to organized crime, human traficking and identity theft. Once I translated all material provided to me by Raiffeisen Bank, the translated copies were distributed to all employees in the country. This was a difficult assignment because it also became a political issue. Maintaining close working relations with multiple law enforcement agencies in the post-war Bosnia-Herzegovina can be rather difficult mostly due to politicial division of the country and the number of separate law enforcement agencies. While I was training the Raiffeisen Bank staff based in Sarajevo via Skype, and also providing examples of what crimes happen in the finacial sector and how they happen, the EUFOR, EUROPOL, INTERPOL, Central Bank of Bosnia and Herzegovina (CBBH,) Bosnia-Herzegovina State Investigation And Protection Agency (SIPA,) also known as Državna Agencija za Istrage i Zaštitu,) and law enforcement agencies in Bosnia Herzegovina's all politicial entities were also present there to explain the investigation of these crimes from their perspective. Few neighboring countries' police, representatives of the Central European Bank, were also present. Since Bosnia is still a candidate to join the EU, banking regulations are similar but not identical to those in EU. I advised the guests from Central Bank of Bosnia-Herzegovina that in order to be successful in combating the human trafficking and the illegal income from it, there has to be a unified task force on the state level. Only then we woud be able to proceed with unified procedures, forms, and points of contact at each bank operating in the country.

Worked with contested foreclosures and other litigated cases where JPMorgan Chase & Co. was named as a Defendant. Monitored high profile cases and graded case managers' performance and made suggestions for improvement of quality of their work, follow up and drafting legal responses, after consulting with the Chase's legal counsel. I was also solely in charge of reviewing, and approving deficiency waivers requested by plaintiffs. As a subject matter expert, I gladly assumed a role of an internal training for the Legal Department. Maintained database of every loan charge off if the litigated case included identity theft, money laudering, unclear title, including tax sales, municipal, county and city liens. Regularly reported the status of open cases to managment and investors. Also completed many special projects with GSE and private investors by establishing professional relationship with vendors, contractors, opposing counsels, presiding judges, investors and members of the media, such as reporters, all the while maintaining the strict rules of the Chase's Code of Conduct and the Confidentiality guidelines. During this tenure, I worked on the alleged and possible money laundering cases. Responsible for ensuring that assigned processing is performed according to the standards set by the Bank in addition to government and industry regulations by applying the governing rules and regulations and the implication of processes on other groups within operations and other divisions in the Bank. I worked on processing of Due Diligence, Sanctions Filtering, Bank Secrecy/Cash Reporting, and completing Suspicious Activity Reports (SAR.) Analyzing, researching and making decisions. Reported and submited necessary documentation as required. Created and maintained appropriate files which will be reviewed by AML supervisory staff as well as internal, external and regulatory examiners during annual audits and examinations.

As the Senior Lead Operations Specialist within the Investor Accounting Department, I wasresponsible for the accounting, reporting, reconciling, and remitting on a scheduled basisfor Freddie Mac (FHLMC) and Fannie Mae (FNMA) lender portfolios of the mortgage banking division of JPMorgan Chase Bank, NA., ensuring that activity, balances, actual and scheduled payments and reporting are carried out in a controlled, timely, and accurate manner. As a subject matter expert, I was solely responsible for all reporting, reconciling, resolving edits and exceptions for the three special FHLMC portfolios with various degrees of ownership participation. All reporting on these portfolios was done manually, which required great attention to detail and a high degree of accuracy. During the merger of Washington Mutual Bank and JPMorgan Chase & Co., I provided training to the colleagues located in Columbus, Ohio. Additionally, I was part of a hand-picked group of people, selected by the Bank’s senior executive management to help coordinate the transition of certain Fannie Mae (FNMA) reporting functions from Columbus, OH back to Jacksonville and to provide additional training to the Columbus, OH based employees.

My responsibilities included compliance tracking, analyzing, reviewing, and processing all hazard, flood, earthquake and windstorm insurance exception items on residential and commercial loans. Additionally, I was selected by the President of EverHome Mortgage Company (EverBank's subsidiary) to handle an insurance claim project for the bank owned properties affected by Hurricanes Katrina, Wilma, and Rita. As part of this project, I verified insurance coverage, reviewed, prepared, wrote and implemented the Company’s procedures on handling insurance claims. I also assisted senior management with various tasks as requested, including sensitive issues of high importance to the company. I have provided training to the insurance department staff on how to use the new check imaging software implemented by EverBank.

Analyzed, researched and responded to the escalated complaints sent to the CEO or the President of the Bank (then known as EverBank) and other senior management, addressed all inquiries sent by borrower’s counsel. Additionally, reviewed all official inquiries sent by various regulatory agencies such as Attorneys General, the Office of Thrift Supervision, Federal Trade Commission, CFPB and the Better Business Bureau. I also handled all private banking and commercial loan clients’ inquiries regarding their first and second mortgage and home equity line of credit loans (HELOC.) Additional regular duties of this position included responding to all written inquiries and requests sent by attorneys and customers’ financial advisors. Occasionally, I was tasked (along with other members of the Executive Office) to initialize internal investigation and complete Suspicious Activity Report (SAR) due to possible fraudulent activity as well as money laundering related to some HELOC accounts. I completed the Suspicious Activity Reports (SARs,) gathered the required documentation and worked with executive managment and law enforcement to determine if the crimes occurred.

The position of Regulatory and Compliance Analyst required extreme attention to detail and extensive mortgage servicing and compliance experience as well as tolerance to stress. My main function was responding to escalated written complaints and inquiries from the local, state and federal regulatory agencies such as the Federal Trade Commission, states' Attorneys General, and various other government agencies. The inquiries and complaints covered alleged cases of discrimination, servicing guidelines violations, contested foreclosures, and other issues. I worked closely with attorneys and the senior management of the Company to determine the best possible solution to the customers’ problems as well as the reason for escalating their inquiries to the regulatory agencies or retaining a counsel. At any given time, I was working on approximately 30-45 files/cases, most of them from the Federal Trade Comission, as this was before creation of the Consumer Federal Protection Bureau (CFPB.)

This position included a variety of tasks. As a senior lead, I assisted in supervising and training a team of 14 people. I handled all issues related to the Private Mortgage Insurance (PMI) on conventional loans and Mortgage Insurance (MI) on FHA loans. They included processing premiums, refund checks, correspondence, cancellation and reinstatements of MI coverage, and most of the PMI/MIP reports generated by Lender Processing Services (LPS.) I successfully lowered the number of exception items by a third in only few months of my employment, and subsequently was promoted to a department lead. As the department lead, I wrote and implanted procedures for all mortgage insurance related matters. I also processed payments, hazard insurance refunds, and critical correspondence from customers, attorneys, insurance companies and agents, PMI insurers, and handled escalated phone calls from the Customer Service department. I was instrumental in training staff in the use of the MaxMillion Insurance product. When required, I provided assistance to the New Loan Setup department with loading the data into the Lender Processing Services’ Mortgage Servicing Platform (MSP) system and creating escrow lines for PMI/MIP.

Mortgage Insurance Specialist* While employed by ABN AMRO Mortgage Group, Inc., my duties included researching the monthly FHA Reconciliation Report, which averaged approximately 6000 exceptions and research items. Research consisted of reviewing various mortgage loan documents, loan history and determining whether or not MIP premiums needed to be paid in accordance with the US Department of Housing and Urban Development’s (HUD) guidelines. I manually remitted monthly premiums to HUD on numerous loans which did not pay automatically. I also assisted in processing mortgagors’ requests for waiver of the Mortgage Insurance Premiums (MIP) on FHA/HUD loans and Private Mortgage Insurance (PMI) on conventional loans, respectively. Customer Relations Regulatory Specialist* This position entailed many responsibilities and an extreme attention to detail and accuracy. My responsibilities included handling critical correspondence sent to the company from the borrowers’ attorneys, Attorneys General, State Comptrollers, the Better Business Bureau, and various other state and federal regulatory agencies. I analyzed and reviewed the customers’ complaints, determined a solution to the problem, and completed a written response.Default Analyst* I audited and evaluated the degree of default of approximately 300 loans per month. I maintained and summarized the default reports on a monthly basis for all private investors who own the loans serviced by ABN AMRO.* I obtained foreclosure authorizations and the original documents from ABN AMRO’s private investors and document custodians, respectively, and accordingly initiated foreclosure proceedings and referred the loans to the foreclosure attorneys for further action.

Bosnia-Herzegovina mission of Caritas Internationalis was established in 1995 to respond to the pressing humanitarian crisis as a result of the Bosnian War that occurred during 1990s. It waas later established as Caritas of Archdiocese and Metropolitanate of Sarajevo. Caritas provided relief in the form of food, clothes, shoes, medicine, fuel and other supplies to the thousands of refugees and exiles, the elderly and sick, socially disadvantaged, victims of war, and to those most in need, regardless of their religion, nationality, citizenship, creed, race or sex. Provided humanitarian assistance during the Bosnian War, and especially during the siege of the largest and the capital city of Bosnia-Herzegovina, Sarajevo. Providing the basic humanitarian assistance such as food, medicine and clothing was the cornerstone of Caritas Bosnia-Herzegovina mission and one of the key reasons that the City of Sarajevo has remained standing.