Gerard T Mccoy Email and Phone Number

Supervise due diligence including portfolio analysis, review of branch operations, marketing, information technology, human resources and compliance. Perform property inspections and review all special non-performing assets with banks’ in house credit review staff.Direct the application process with all applicable regulators.Co-author of The Aini Group Business Plan for Bank Acquisition.Collaborate on cash flow and projection models.Implement Dodd Frank and RESPA changes and Regulation Z. Liaise with Ellie Mae to ensure that the Initial Arm Disclosures complied with CFPB specifications.The Aini Group is currently in the process of obtaining Fannie Mae/Freddie Mac Approvals.Provide instruction relative to fraud and loss prevention.Lead team of personnel in analysis of third party software risk solutions including Core Logic Interthinx, Loanquest and EllieMae.Conduct underwriting training for both residential and commercial channels on potential loss and buy backs. Special emphasis is placed on the defect rate of the loan origination process.Instruct group on theft resolution and credit restoration. Present findings to investors. Address issues regarding existing loan pools relative to potential buy backs.Review successful rapid loan loss resolution resulting in maintenance of asset value: to date there have been no charge offs or buy back; all loans sold to investors are performing.

 Directed team of underwriters and originators. Supervised loss prevention program on all aspects of lending business. Responsible for fraud prevention in loan origination, closing/funding and post-closing. Maintained broker and vendor relationships. Managed entire loan servicing portfolio ensuring timely payments. Facilitated solutions as needed including creative payment structures, workouts, loan restructuring assignment of rents and leases. These approaches resulted in rapid recovery and asset value retention. Responsible for outside counsel, broker and vendor approvals and relationship management. Liaised between Greystone, law enforcement agencies and fraud prevention departments of other financial institutions as required. Monitored industry trends.  Modified and revised existing policies and procedures to address evolving fraud attempts. Ensured banking operations, policies and procedures were in compliance with OFAC, OCC, OTS and KYC regulations. Responsible for initiating investigations regarding the Bank’s special assets portfolio.  Implemented and managed risk policy relative to Bank controls and the extension of credit. Made recommendations to senior Bank management.

• Review portfolio as well as industry fraud trends, prevention tactics, law enforcement and key exposure information to identify, implement, and modify fraud prevention and detection techniques and strategies.• Manage fraud prevention collections and investigation activity for mortgage loans. • Manage the review and approval of authorization strategies and resolution of related problems.• Conduct investigations for compliance with organization and regulatory requirements to maximize fraud collection and recovery; submit criminal referrals to appropriate internal and external sources.• Ensure timely and effective recovery activities. Establish fraud prevention system parameters; to support activities. • Responsible for all office facility management.

•Supervised teams for mortgage area including origination, collections, and foreclosure.•Responsible for Data Security, including establishing department policies and procedures.•Implemented Disaster Recovery system and was designated to manage operations in the event of disaster.•Implemented programs for white-collar crimes in the mortgage arena.•Developed and taught fraud prevention courses for the bank.•Dealt with Office of Foreign Asset and Control in relation to bank’s policies and procedures.•Created policies and procedures pursuant to the Patriot Act.•Managed all office facilities.•Managed asset recovery and collections

•Investigated all financial crimes committed against the bank by internal and external sources.•Dealt with bank’s procedures and policies related to Office of Foreign Asset and Control. •Created policies and procedures pursuant to the USA Patriot Act.•Managed all civil and criminal legal proceedings for Consumer Credit Division.•Liaison with legal department on all aspects of ongoing litigation related to the Consumer Credit Division.•Developed new charge off system to more efficiently manage department tasks, oversee external collection agencies and attorneys and improve statistical reporting to upper management.•Created dramatic reduction of losses through improved fraud monitoring, collection efforts and streamlining of department to reduce costs.•Primary liaison with bank's law firms and collection agencies, authorizing legal action on accounts, consulting on payment negotiations and adjusting bank policy and procedures accordingly.•Conducted fraud training courses for various divisions of the bank.•Managed collections on credit and mortgage portfolios

•Supervised investigators and managed all investigations and fraud prevention for consumer credit division.•Primary contact with law enforcement agencies such as FBI, U.S. Postal Inspectors, U.S. Secret Service and local precincts to assist in the investigation and prosecution of fraud.•Developed and implemented database program to analyze fraud trends, determine recovered amounts, and create enhanced reporting to management.•Active member of the International Association of Financial Crime Investigators, Served on committee of the 23rd Annual IAFCI Training Seminar.

•Supervised Detective Squad area consisting of 14 detectives. •Supervised the 112th precinct in Forest Hills, NY, including white-collar crime detectives.•Acted as Commanding Officer for 112th precinct and Borough of Queens Anti-Crime Units.•Instructor at NYPD Police Academy, teaching courses in Penal Law, Criminal Procedure, Investigations, Management and Community Crime Prevention.