Agent licensed to sell insurance through New York Life Insurance Company.

Keynote speaker on Enterprise, Operational and Project Risk Management. Author of "Be Triple Threat Manager: Why Winning Teams Need You to Master Multiple Disciplines"

Led annual risk assessments to identify processes that fall under high risk category. Manage cross-functional team conducting audits in which information is consolidated and reported to drive recommendations and track progress of deliverables. Provide view of operational risk across home lending, including process-level and control assessments. Consult with business to provide appropriate level of risk support. ► Conceptualized strategy and plan for execution of high risk reviews for processes and functional areas that presented highest organizational risk. Developed day-to-day operations of team, including scheduling, system of communication, and playbook for audit execution, as well as findings and delivery of recommendations to leadership.► Created and introduced governance routines comprised of monthly reporting, partnership roundtables, and process for annual risk assessments leveraging corporate business process risk management model (BPRM).► Implemented review of significant risk associated with hundreds of down payment assistance programs for first time homebuyers, which included coordinating with other housing programs. Initiated and led effort to streamline and decommission 400 inactive programs; directed procedure improvements that substantially reduced risk. Oversaw team’s work with lines of business on corrective actions. ► Directed changes to affiant and notary corporate governance process to decrease out of compliance rate by 30%. Evaluated and managed tracking system to manage notary pool. Developed marketing and communication plan; conducted training in system used to monitor notary certification completion.

Worked with business groups on compliance and risk management efforts. Enhanced existing processes to capture and retain documentation supporting regulator exercise of compliance with Delegation of Authority (DoA) rules. ► Identified gaps in risks and controls and led reengineering efforts.► Oversaw business unit compliance with legal and regulatory mandates and corporate directives. ► Led corporate risk committee for business unit risk review and assessment.

Managed group following-up on outstanding audit issues, which included developing plan to address issues identified by field group. Served as risk and compliance subject matter expert (SME). Developed and led implementation of risk mitigation strategies associated with internal policies, state and federal regulations and work of servicers related to audits.► Developed operating practices, staffed and trained department. Created database to track progress and successfully closed 1,200 servicer compliance problems. Integrated tracking system into senior management reporting.► Designed and developed testing strategies, methodologies, and analyses to ensure that controls were adequate and working as designed.► Recruited and led team that reduced outstanding servicer compliance audit issues and clearance time by 40%.

Directed state and federal compliance, audit management, and data management teams. Created regulatory compliance tracking database for state licensing, audit review, and federal assessments. Developed new HMDA error system with third-party vendor and internal mortgage production systems. Served as co-trainer for national fair lending training program.

Participated in the creation and dissemination of Fair Lending Training Program to branch employees nationwide through online video modules and personal training sessions. Maintained state licensing, FHA/VA approvals, Home Mortgage Disclosure Act, and customer complaint responses for state, federal, and data reporting.

Oversaw a team that expedited the licensing, renewal, and maintenance of 1,800 licensing records for 47 states plus Washington, DC. Interfaced with accounting, capital markets, field and executive management to schedule state examinations, ensuring all licenses were current. Fulfilled audit requests, provided annual reports, and researched state licensing provisions.

Completed business process improvement project that streamlined procedures for reviewing and analyzing Home Mortgage Disclosure Act data. Project resulted in improvement in submission rate and accuracy.

Completed periodic reports and projects managing the license tracking and reporting for the Northeast Region branches. Initiated and led projects to implement state licensing tracking and reporting database; reorganized accountability internally, improved accuracy of reporting and response time; and increased the quality and frequency of interdepartmental communication.

Completed projects relating to clients housing discrimination issues. Researched and investigated discrimination circumstances, resulting in awards valued at several billion dollars in Fair Lending & Civil Rights settlements. Projects focused on Home Mortgage Disclosure Act data analysis, matched-pair audits, and educational training. Prepared, wrote and received grants from U.S. Department of Housing and Urban Development.