Jared Miles Email & Phone Number

San Francisco, California, Us

Regulatory enforcement action validation

San Francisco, California, Us

New York, New York, Us

Complete risk assessments of assigned business units. Manage reviews of business operations to assess the design and effectiveness of internal controls and compliance with applicable regulations. Apply published compliance assurance standards throughout planning and fieldwork phases to provide quality determinations of operational conformance to key regulatory, legal and policy requirements. Lead discussions with operations management and personnel to understand processes, control design and control execution. Develop test steps that provide quality assessment of control performanceAs issues are discovered, collaborate with operations management and other business partners to: - Assess impacts and risks from findings - Determine issue severity level - Understand root causes - Plan and validate corrective actionsGuide and manage secondary reviewers by: - Setting expectations of deliverables and due dates - Balancing workloads by considering teammates' other commitments - Following up routinely on testing progress - Discussing test results as a team to obtain all viewpoints - Providing feedback on secondary reviewers' work productAssist as a secondary reviewer on peers' reviews. Be accountable for all tasks, due dates, quality of work product and all other expectations.Develop and execute queries to acquire data populations for continual assurance and testing purposes.Stay attuned to regulatory changes and industry developments. Seek additional learning opportunities to continue enhancing professional acumen.Regulatory experience in: Equal Credit Opportunity Act (Reg B), Secure and Fair Enforcement of Mortgage Licensing Act (Reg G), Home Mortgage Disclosure Act (Reg C), Fair Credit Reporting Act (Reg V), Real Estate Settlement Procedures Act (Reg X), Flood Disaster Protection Act (FDPA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), state pre-foreclosure laws.

New York, New York, Us

Provide advisory support to the business on default-related claims, including GSE, private investor and pool claims. Execute assigned Compliance monitoring activities to assess regulatory risks within the business. Escalate identified risks through management and issuance of memos. Support the team’s Compliance Officers in REL Default Collections, Loss Mitigation, and Single Point of Contact areas. Provide routine reporting to monitor deadlines and milestone dates for the team’s compliance activities, Compliance-related issues & CAPs, and change management.

Charlotte, Nc, Us

Breach & Notice Control CenterPromoted to manager; led a team of seven analysts responsible for monitoring the effectiveness and performance of both internal and vendor controls for the following letters in the line of business portfolio (notices required for foreclosure referral):• Notice of Default, alternately known as Breach or Notice of Intent to Accelerate• DOJ 14-day letter or DOJ Pre-foreclosure Notice• HUD Notice of Pending Acquisition or HUD Occupancy Notice• VA Foreclosure Avoidance• Borrower Information Packet for FHA and USDA/Rural loans• Service Members Civil Relief Act (SCRA) Notice• GSE 17-day Payment Reminder• Pre-foreclosure notices required by state regulations• Registrations as required by the regulating agency The team designs and performs audits to routinely test compliance of the automated letter-generation processes with respect to loan selection/eligibility, mailing requirements, compliance, and letter content accuracy. High-risk issues are immediately escalated to SMEs and senior management. Host weekly escalation meetings to review low-risk issues and process improvement recommendations. During my tenure, monthly production has increased from:• 37 audits to 118• 454 loan-level reviews to 2,820 Facilitate research of foreclosure notice-related inquiries from other auditors or examiners. Includes, but is not limited to: National Mortgage Settlement Metric 6; FHLMC Monthly QA; OCC Consent Order; UCC Article IX; Reg AB; AT 801; Investor and state agency exams. Collaborate with legal, risk, compliance, foreclosure referral, and other business partners through twice-weekly governance meetings to review newly identified risks, SIAIs, ORAs, attorney notices, and regulatory changes. Provide weekly and monthly senior management summaries of audit results, risk assessments, and report production.

Charlotte, Nc, Us

Retention – Loan Mod SolicitationsAssessed risk in loan selection processes for the bank’s various loan modification solicitation campaigns. Designed audit processes to timely and effectively test solicitation populations prior to vendor processing. Assisted Governance group with implementation of its SIAI and solicitation change management processes.

Charlotte, Nc, Us

Designed and managed a control system to ensure new and updated tax payee information (payment addresses, due dates, frequency) was applied to the affected mortgage servicing portfolio. The changes were critical to ensure payments were sent timely to avoid financial loss due to tax sales. The average end-to-end process time for implementing the payee changes improved from 8.54 days in September 2010 to 5.37 days in October 2010, despite an increase of 145% in monthly requests processed.

Charlotte, Nc, Us

Processed incoming files from state/local tax assessors and authorities. Prepared data analysis for monthly senior management reporting.

Bachelor'S Degree, Finance

Master'S Degree, Accounting And Information Management