James Harkness Email & Phone Number

Tampa, Fl, Us

Tampa, Florida, United States

Tampa, Florida, United States

- Led the development and launch of innovative fintech businesses, driving company growth and customer satisfaction through strategic planning and execution.- Built and managed cross-functional teams of engineers, designers, and business professionals to deliver cutting-edge technology solutions in a fast-paced startup environment.- Developed and executed go-to-market strategies, resulting in successful product launches and increased market penetration.- Collaborated with investors, stakeholders, and partners to secure funding, establish partnerships, and drive business growth.- Established a customer-centric culture focused on delivering exceptional user experiences, resulting in high levels of customer retention and loyalty.

Tampa/St. Petersburg, Florida Area

Greater New York City Area

− Regulatory compliance subject matter specialist, providing implementation support to clients for Servicing Standards, QM/ATR, Biggert Waters, TRID, and HMDA.− Due Diligence analyst, performing operational and compliance diligence on mortgage servicing organizations to support a client’s acquisition decision making process.− Strategy Consultant, providing support to large bank in identifying and evaluating strategic alternatives for its mortgage servicing business.− Thought leader, sharing knowledge at industry conferences and other fora, focusing on regulatory compliance issues.− Internal innovation initiative leader, centralizing the process for identifying opportunities in the market and overseeing new product development.

Greater New York City Area

− Evaluate bankruptcy department for a top five mortgage originator and make recommendations for process improvement and enhancement of attorney oversight.− Document policies and procedures for a large regional bank’s mortgage origination and mortgage servicing businesses, identifying key controls and metrics.− Develop and implement a compliance management system, including a formal enterprise compliance program, mortgage origination compliance program, fair lending program, mortgage servicing compliance program, and compliance monitoring and testing program for a top non-bank mortgage originator and servicer.− Develop and implement the first line of defense for a top mortgage servicer, including creating test scripts for all consumer protection regulatory requirements.

Greater Philadelphia Area

Mortgage servicing company specializing in the management of portfolios of distressed assets.- Manage $100 million portfolio of under performing, small commercial assets- Analyze each asset and prepare/implement asset plans to maximize value- Perform net present value analysis to determine expected value of proposed workout- Coordinate foreclosure process and prepare foreclosure bidding instructions- Correspond directly with customers to facilitate mortgage workout- Consistently achieve performance related goals

Greater Philadelphia Area

Wholesale lender specializing in stated income, stated asset, small balance commercial loans.- Build personal relationships with over 1200 mortgage brokers nation wide- Sell commercial and residential mortgages on both wholesale and retail platforms- Manage loans and guide them from application to closing table- Work closely with underwriters and processors to close deals