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As the CRA & HMDA Compliance Officer, I am responsible for administration of the Community Reinvestment Act (CRA) Program and compliance with the Home Mortgage Disclosure Act (HMDA) at HomeStreet Bank. I oversee policies and initiatives critical to regulatory compliance. Additionally, I am actively involved in implementing the Regulation B 1071 requirements, all of which fall under the Fair and Responsible Banking Program (FRBC). The FRBC program is strategically designed to ensure the bank's compliance with established policies, procedures, and federal and state laws, covering areas such as unfair, deceptive, or abusive acts or practices, fair lending, fair servicing, CRA, HMDA, and fair banking requirements.Community Reinvestment Act (CRA)The CRA program focuses on meeting the credit needs of the communities in which HomeStreet operates, particularly low- and moderate-income neighborhoods.Home Mortgage Disclosure Act (HMDA)The primary objective of the HMDA program is to ensure that HMDA data is reported accurately and timely.1071 Small Business Data Collection and ReportingKey stakeholder in internal workgroup created for the implementation of the Small Business Data Collection rule.

Home Mortgage Disclosure Act (HMDA)The primary objective of the HMDA program is to ensure that HMDA data is reported accurately and timely. Compile HMDA data from each business unit quarterly, and conducting quality reviews and "scrub" processes to ensure data is accurately reported on the Loan Application Register (LAR).Compile, scrub, and validate the bank-wide HMDA LAR annually, submitting to regulators via the FFIEC HMDA platform. Managed LARs with over 20,000 records.Implement and manage Data Improvement projects in collaboration with Information Technology (IT) and business unit operations groups to identify opportunities to improve system and process functionality for accurate extraction and reporting per regulations. These continuous improvements create efficiencies in the reporting process for both lending and compliance staff as manual processes are eliminated as well as increasing the accuracy of reported data. Report to the Fair and Responsible Banking and Compliance Committees quarterly on the status of the HMDA program and reportable loans.Provide materials and respond to examiner questions or issues during HMDA examinations; guiding and tracking the progress of audit or examination exception items.Maintain a comprehensive program with annual review.Provide training tools and guidance to business units responsible for HMDA reporting.Build and implement internal monitoring under current rules.Provide research, analysis, and project support for new or revised products and programs to ensure accuracy in the HMDA reporting process.Assess and implement changes in response to new and revised regulations.Quarterly management reports executive management.Update or develop regulatory disclosure forms as needed.Review and analyze annual HMDA data reports published by the FFIEC.

• Responsible for ensuring HMDA, CRA, and Fair Lending data is collected and reported in accordance with bank and regulatory requirements. Assists in originating, implementing, and maintaining the Bank's compliance programs to ensure conformity and adherence with all applicable state, federal laws and regulations.• Oversees actions of independent third party and regulatory audits; makes necessary preparations for such audits or exams; coordinates responses to external auditors and regulatory examiners; ensures deficiencies identified from such audits and examinations are corrected.• Develops implements and administers all aspects of the Community Reinvestment Act (CRA) and Home Mortgage Disclosure (HMDA) Compliance Programs; reviews and writes CRA related policies and procedures; makes recommendations to Senior Management when appropriate.• Maintains proficient knowledge of rules and regulations, including but not limited to, the Community Reinvestment Act and Home Mortgage Disclosure Act, and Fair Lending Act.• Serves as chairperson for the Bank’s CRA Committee.• Provide Community Development services to Non-profit organizations in the form of financial education to youth and adult programs in the communities served.• Engage and develop new relationships with local community organizations to determine how Heritage Bank can provide addition services in the communities it serves.• Presents findings of periodic self-assessments to CRA committee meetings and advises CRA Committee of potential deficiencies in the bank’s CRA Program and recommends actions needing to be addressed • Represents the bank in CRA/HMDA Compliance examinations; prepares responses to pre-examination letters, assembles requested documentation and responds to requests, comments and questions of the examiners and, if necessary, assists with response to the CRA Performance Evaluation report

Supported the Chief Compliance Officer with administering a bank wide compliance programPerform compliance audits, research regulatory issues and provide administrative support to these functionsProvide customer service to the commercial customers Performing cash handling and account transactionsManage exams completed by internal and external auditorsAccept checks and withdrawals for cashing or paying, verifying endorsements and funds availability, and process transactions through the online deposit systemDeveloped and perform compliance reviews and audits, providing summary of findings to the Compliance Officer for reporting to the Board of DirectorsComplete a 100% file review of government reportable loans, editing the Loan Application Register as necessary, with submission of the Loan Application Register annuallyDraft and distribute memo's for changes, updates or issues relating to compliance regulationsResearch and review compliance related issues for changes to regulationsTraining administrator for all employees to include creating, and administrating online and in personAdministrative duties to include but not limited to, budget review, annual reports, accounts payable, matrix tracking, audit findings, and branch operationsManage and track all volunteer projects and hours completed by employees

Provided support to the Compliance Department to ensure the smooth flow of the day-to-day work within the office. Encompassed areas such as regulatory compliance, regulatory examinations and regulatory licensing while assisting in day-to-day work.Facilitate and maintain state licensing, renewals, and examinationsSubmit applications to states for mortgage lending licensesOrganize and maintain compliance workflow processes to include licensing, examinations, annual report files, state surveys, excel spreadsheets, templates and word documents Research and review compliance related issues that affect the daily workflowResearch and review new licensing laws in which will affect how MILA is licensedAssist state examiners

Worked with Group Operations Analyst and Operations Analyst's to help determine what is necessary for the internal audit process within the financial centersReview current process of pricing exceptions within consumer and residential processing to determine the correct profit models to be used against and verify the current procedures are accurate.Review reports and determine how processes can be better streamlinedDetermine what needs to be done to support the financial centers and make sure no loan origination errors occur

Working with developers and testers to ensure the most accurate HMDA data is being gathered for reporting by reviewing and analyzing Access and Excel reports Responsible for coordinating field participation establishing the most effective ways to make HMDA (Home Mortgage Disclosure Act) correctionsExperience establishing guidelines used for reviewing HMDA (Home Mortgage Disclosure Act) data. These guidelines are then submitted to the field for use ensuring that we are capturing and reviewing correct dataResponsible for overseeing that accurate data is being reported to Corporate Compliance for HMDA and CRA (Community Reinvestment Act), by completing files reviews, and working with System Analyst to double check system accuracy Research and implement changes to HMDA and CRA for reporting as neededActed as lead in System User Manual projects with minimal supervision

Developed and implementing training materials for a government loan processing systemInstructed training courses for users prior to system deploymentWas the lead for the roll-out of Empower (Loan Processing System) Liaison between the Business Analysts and the processing centersDeveloped learning aids for users when system changes or issues occurred after system deployment

Responsible for ensuring HMDA, CRA, and Fair Lending data is collected and reported in accordance with bank and regulatory requirements. Assists in originating, implementing, and maintaining the Bank's compliance programs to ensure conformity and adherence with all applicable state, federal laws and regulations.

Processed conventional loans while meeting strict closing deadlinesSuccessfully completed multiple special projects as needWrote procedures for cancelled loans