Analyzes customer relationships, documentation, activity patterns, and transactions to detect potential suspicious activity through the bank’s monitoring systems or employee referrals. Performs reviews to determine if activity or customer behavior is aligned with expectations based on customer due diligence (CDD) performed.Performs follow up account monitoring on all Suspicious Activity Reports (SAR) filed. Assists in preparation of suspicious activity reports (SARs) when appropriate and provides department management with documentation supporting filing.

Short Sale and DIL Asset Manager• Consistently exceeded month end departmental goals as established by the company and client.• Assisted, coached, counseled and motivated co-workers and management with training, questions and problem solving.• Reviewed high risk mortgage accounts for Deed In Lieu (DIL) and Short Sale opportunities.• Verified and analyzed financial information to determine best loss mitigation option.• Performed DIL and Short Sale functions according to investor and client guidelines.• Communicated to borrowers, real estate brokers and attorneys the details of decision or other options; including but not limited to counter offers and negotiated concessions.• Underwrote financial decisions, including possible Promissory Note or borrower contribution.• Evaluated results with Management to ensure client performance metrics are met.

REO Asset Manager• Successfully negotiated and closed over 500 REO files in one year.• Managed, marketed and disposed of REO properties in the portfolio as a 3rd party servicer and agent for the client. Obtaining the highest net selling price possible within the shortest time frame.• Selected and managed real estate brokers and entered into agreements for the marketing and disposition of properties.• Recommended and authorized (subject to authority approval limits) property repairs, reviewing bids, awarding contracts, maintain QC standards and maintenance to support the resolution strategy.• Created visible business and marketing plans to maximize returns for investor and clients.• Exercised discretion in accepting offers, replacing real estate brokers and property repairs.• Negotiated, reviewed and recommended all REO property bids/sales for client approval; managed/monitored the property through the sales process, within agreed timeframes.• Corresponded with attorneys, real estate brokers and contractors during the various stages of the REO process.

REO Asset Manager• Consistently exceeded company set month end departmental goals. • Managed, marketed and disposed of corporate owned REO properties in the portfolio. Obtained the highest net selling price possible within the shortest time frame.• Selected and managed real estate brokers and entered into agreements for the marketing and disposition of properties.• Recommended and authorized (subject to authority approval limits) property repairs, reviewing bids, awarding contracts, maintain QC standards and maintenance to support the resolution strategy.• Created visible business and marketing plans to maximize returns.• Negotiated, reviewed and recommended all REO property bids/sales for management approval; managed/monitored the property through the sales process, within agreed timeframes.• Corresponded with attorneys, real estate brokers and contractors during the various stages of the REO process.

Senior Business Analyst• Analyze complex REO department or division processes/efficiencies and recommend solutions.• Conduct workflow, data and process analysis of REO department or specific REO functions.• Document identified issues and recommend solutions.• Manage new client assimilation process for REO department and be main point of communication during transition phase.• Assist Director in developing account policies and procedures and coordinate communication/training with REO staff and clients.• Establish reportable Indicators of Performance with client.• Monitor REO client profitability, and recommend adjustments to staffing and workloads.• Monitor system queues and task management.• Prepare, analyze and deliver REO reporting to staff/management and clients.• Analyze reports and trend performance of REO department both internally and against industry benchmarks.• Manage reporting requirements for rating agency, audit and business development purposes.

Senior Business Analyst• Analyzed and documented complex REO department functions in relation to workflow data and processes.• Managed and facilitated new client assimilation process for REO department.• Assisted Director in developing client specific policies and procedures.• Coordinated and facilitated the training of REO staff on client specific processes and procedures.• Collaborated with the client to establish reportable Indicators of Performance (IOP).• Monitored REO client profitability and recommended adjustments to staffing and caseloads.• Monitored system queues and task management and reported results to management and staff.• Prepared and analyzed REO reports and provided results to management and clients.• Analyzed reports and trended performance of REO department both internally and against industry benchmarks.• Managed reporting requirements for rating agency, audit and business development purposes.

Loss Mitigation Asset Manager• Gathered and analyzed financial data, underlying collateral documentation, property valuations and Net Present Value (NPV) models to perfect a detailed mitigation strategy on private, company and government owned investor assets.• Negotiated workouts, settlements of debt, stipulated settlements of litigation and contracts of sale.• Initiated foreclosure actions on defaulted loans. • Monitored foreclosure and bankruptcy actions, with adherence to strict timelines.• Managed, marketed and disposed of all REO properties in the portfolio. • Analyzed and facilitated the clearance of title related issues.• Corresponded with attorneys, real estate brokers and contractors during the various stages of the Loss Mitigation process.

Senior Accountant at Citi Group, Investments Dept.• Analyzed monthly financial activity of commercial property inventory.• Communicated daily with property management companies on accounting related issues and concerns.• Analyzed and monitored Real Estate Investment operating expenses to eliminate unnecessary charges. • Compared budget to actual results, supplying management with timely and accurate reports.• Managed commercial property budgets, property insurance allocation and 1099 reporting processes, including: distribution, technical support, collection and facilitated interfacing with host systems.• Coordinated and managed Real Estate Investment Department budgeting for over 500 employees with a $35 million annual operating budget.

Mortgage Servicing Supervisor Managed a staff of six in the gathering of data and balancing of all Mortgage Servicing Accounts. Facilitated with servicing system conversions. Supervised the preparation of all reports to management and federal regulatory agencies. Developed and implemented policies and procedures on new and existing accounts in order to monitor and control cash flow. Collaborated with Accounting and Audit departments on the reconciliation of multi-system Mortgage Servicing Accounts