John Rinker Email & Phone Number

Castle Rock, Co, Us

Gb

Successfully completed large bank internal audit project conducting annual, quarterly, monthly and daily compliance testing consisting of both automated and manual controls.Analyzed and assessed formal and informal policies and procedures related to processes and controls for effectiveness related to risk controls.Conducted appropriate, independent testing to ensure operational risks and compliance requirements were adhered to.Prepared detailed and objective scope memo's, Test of Design (TOD), Test of Effectiveness (TOE) to support conclusions.Completed assigned compliance and operational risk testing activities in accordance with established timelines and high standards of quality.

Worldwide, Oo

Large bank internal audit team conducting testing and validation, mapping and audits, documentingresults.• Audited and mapped multiple work streams for compliance with relevant regulations preparing reportsfor audit management.• Independent Compliance Testing for Corporate Governance and Compliance related to laws andregulations of the Federal Reserve Bank, CFPB, FDIC, U.S. Treasury, and Office of the Comptroller of theCurrency.• Provide subject matter expertise advisory support across three lines of defense to support daily bankactivity, audits, exams, and regulation compliance.

Chicago, Il, Us

Audited QM and non-QM loans for adherence to relevant regulations A-Z, TILA, RESPA, TRID, ECOA,and HMDA.• Litigation support and Due Diligence Underwriter for QM and Non-QM residential mortgages.

San Antonio, Texas, Us

• Conducted quality control compliance loan audits for Servicemembers Civil Relief Act (SCRA) protectedaccounts, including mortgages, consumer loans, and credit cards to ensure adherence to relevantregulations A-Z.• Applied thorough understanding of SCRA and regulations with subject matter expertise. Identified andverified exceptions within files.• Compliance testing and validating audited loans from Servicing vendor to ensure loans were deliveredper regulations, guidelines, Master Agreements, and contract requirements

New York, Ny, Us

Responsible for in-depth underwriting, audit and review of conventional, FHA, HELOC's, consumer, scratch & dent, performing, non-performing, and subprime loans, ensuring loan salability and compliance. Utilize expertise to identify deficiencies.

Conducted screening and Transaction monitoring of potential money laundering, terrorist financing, and other suspicious activity utilizing exception reports and AML detection software, as well as performed extensive internet and public database searches to identify negative news on existing clients and new account requests with suspicious anticipated accounting funding/activity.

Chicago, Il, Us

• Assisted client in Dallas with Mysis Loan IQ conversion and operation to address reconciliation. investigations, escalations, notifications, and wire requests, along with any other servicing issues of primary and secondary market assignment trading• Assisted client in Chicago with Mysis Loan IQ conversion and operation to address all non-servicing issues• Made recommendations and assisted in implementing new procedures• Extensive work in Loan IQ, Cognos and Excel

New York, Ny, Us

• Audited residential mortgages for adherence to RESPA, TILA and CFPB guidelines• TRID and Unmonitored Debt Monitoring • Successfully delivered results under tight project deadlines within bank’s capital markets group• Entrusted with Quality Control reviews of fellow Examiners work• Ranked in upper 10% percentile for Quality and Production • Trained other examiners in the financial examination process

Chicago, Il, Us

• Completed Commercial Loan CCAR assignment for a top 30 bank holding company• Examined the overall financial integrity of the banking institution including Construction, Performing loans and specific or large troubled loans • Data mining, quality assurance and audit of key data elements of the bank's commercial mortgages capturing NOI, appraisals and DSCR data.• Successfully delivered results under tight project deadlines within bank’s capital markets group• Conducted stress testing on loans with a 0.01% error rate• Entrusted with Quality Control reviews of fellow Examiners work• Ranked in upper 25% percentile for Quality and Production

Jacksonville, Fl, Us

• Audited and Assessed how servicing policies, procedures and practices affect the Company’s ability to comply with state and federal laws and regulations, including the California Residential Mortgage Lending Act and California Homeowners’ Bill of Rights with our findings resulting in $225m in fines. • Performed audits and in-depth file reviews of mortgage and non-mortgage loan servicing processes• Identified deficiencies in said servicing policies, procedures and practices for SCRA and Bankruptcy workstreams • Utilized, searched, & interpreted data and information found on mortgage loan servicing databases & platforms• Performed onsite reviews and audits to understand client functions with operators/processors• Understood and digested large amounts of process information and identified controls within a process and designed reports to help understand process• Investigate and validate process flows and process controls with solid working knowledge of Mortgage Servicing Rules and requirements related to RESPA/Regulation X, TILA/Regulation Z, Dodd-Frank Act/UDAAP, EFTA/Regulation E, E-SIGN, ECOA/Regulation B, SCRA, RFPA, GLBA/Regulation P, FDCPA, FCRA/Regulation V and TCPA• Maintained legal and regulatory compliance for client to ensure regulatory guidelines have been adhered to• Reviewed previous files and transaction to determine if government mandates have been implemented and applied to client's transactions with an in-depth knowledge of SCRA and bankruptcy guidelines

• Reviewing customer transactions and information for potentially suspicious activity and performing Anti Money Laundering and financial investigations for a large international bank• Knowledgeable of the laws applicable to money laundering, including the Bank Secrecy Act, the USA PATRIOT ACT, US Treasury, AML guidelines, OFAC requirements, and Suspicious Activity reporting requirements• Understanding of Senior Public Figures, PEP’s, money service businesses, structuring, layering and integration • Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations • Ranked in upper 10% percentile for Quality and Production

Milwaukee, Wi, Us

• Assisted in constructing and building out GE Capital’s Audit scope• Collected and analyzed data to detect deficient controls, duplicated effort, extravagance, fraud, or non-compliance with laws, regulations, and management policies • Examined and evaluated financial and information systems, recommending controls to ensure system reliability and data integrity • Conferred with company officials and stakeholders about financial and regulatory matters • Evaluated department activities, identified and researched auditing and internal issues• Ensured and documented compliance with procedures, controls, and regulations• Prepared detailed reports on audit findings

Milwaukee, Wi, Us

• Performed various internal audits of Bank’s Mortgage operations• Report to management about asset utilization and audit results, and recommend changes in operations and financial activities • Wrote Process Control Narratives, conducted tests controls and sampled file documentation• Evaluated department activities, Identified and researched auditing and internal issues• Ensured and documented compliance with procedures, controls and regulations

New York, Ny, Us

• Completed CCAR Basel II assignment under FR Y-14Q Retail Risk Schedule at a top 30 bank holding company• Quality assurance and audit of 4.5 million key data elements of the bank's residential mortgages including 1st lien mortgages, home equity loans and home equity lines of credit• Successfully delivered results under tight project deadlines within bank’s capital markets group• Conducted stress testing on Residential First and Second loans with a 0.01% error rate• Entrusted with Quality Control reviews of fellow examiners work• Ranked in upper 25% percentile for Quality and Production

New York, Ny, Us

• Responsible for in-depth underwriting and review of conventional, FHA, consumer, scratch & dent, non-performing, and subprime loans, ensuring loan salability and compliance• Utilized knowledge and terminology relative to the appraisal process to perform collateral reviews• Income Analysis, Credit and Compliance, Loss Mitigation waterfall reviews • Prepared detailed reports on audit findings

Clearwater, Florida, Us

• Freddie Mac/GSE trained and certified with final Contract Exception authority• Audited, reviewed and underwrote loan samples for accuracy, completeness, and compliance with Freddie Mac Seller Servicer Guide requirements for performing and non-performing loans• Conducted comprehensive loan reviews of repurchase/indemnification requests made by investors/insurers for representation and warranty violations and those loans deemed to have significant deficiencies• Assessed the claims made by the investor and made a risk-based decision whether repurchase was necessary, and recaptured funds from third parties on repurchased and defaulted loan as necessary• Identified and reported material findings with respect to violations of investor/insurer guidelines, state/federal regulations, company policy, and suspicious loan activity• Utilized strong mortgage underwriting skills• Entrusted with Quality Control reviews of fellow examiners work• Adhered to stringent production quota and quality standards• Assisted with fraud detection and prevention• Trained other Underwriters in the financial examination process • Ranked in upper 15% percentile for Quality and Production

Miami, Fl, Us

• Mortgage Examiner for an OCC mandated audit of residential mortgage loans, multitasking on multiple work streams with careful attention to detail• Utilized accounting methods in analyzing payment streams, Escrow payment history, duplicate billing, and fees for Mortgage servicer• Reported findings directly to the OCC utilizing technical writing skills• Executed first, second, and quality control-level audits of the bank loans• Evaluated and implemented processes to improve project deliverable flow and faster delivery to the client • Entrusted with Quality Control reviews of fellow examiners work• Ranked in upper 25% percentile for Quality and Production

Us

• Mortgage Examiner for an OCC mandated audit of residential mortgage loans• Reviewed and audited underwriter findings on loans in foreclosure• Collected and analyzed data to detect deficient controls, duplicated effort, extravagance, fraud, or non-compliance with laws, regulations, and management policies • Evaluated factors such as debt to income ratios, loan to value ratios, credit scores, property valuation and compliance• Adhered to SCRA, HMDA, TILA and RESPA guidelines• Analyzed, reviewed and reported loss mitigation waterfall findings to the OCC• Promoted to a small, specialized due diligence department auditing underwriter’s finding

Englewood, Co, Us

• Specialized in builder loans• Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information • Met with applicants to obtain information for loan applications and to answer questions about the process • Explained to customers the different types of loans and credit options that are available, as well as the terms of those services • Reviewed loan agreements to ensure that they are complete and accurate according to policy • Approved loans within specified limits, and referred loan applications outside those limits to management for approval • Handled customer complaints and take appropriate action to resolve them • Stayed abreast of new types of loans and other financial services and products to better meet customers' needs

Chicago, Illinois, Us

• Specialized in high wealth clientele, jumbo loans, and self-employed income analysis• Originated and underwrote residential loan files for real estate purchase and refinance transactions• Utilized DU and LP to evaluate subject property, financial strength, and credit worthiness of borrowers• Managed growth of existing and new business• Increased branch profitability with cross-selling expertise• Anti-Money Laundering Training• Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information • Met with applicants to obtain information for loan applications and to answer questions about the process • Explained to customers the different types of loans and credit options that are available, as well as the terms of those services • Reviewed loan agreements to ensure that they are complete and accurate according to policy • Approved loans within specified limits, and referred loan applications outside those limits to management for approval • Handled customer complaints and take appropriate action to resolve them • Stayed abreast of new types of loans and other financial services and products to better meet customers' needs • Reviewed and update credit and loan files • Submitted applications to credit analysts for verification and recommendation • Computed payment schedules • Analyzed potential loan markets and develop referral networks to locate prospects for loans • Conferred with underwriters to aid in resolving mortgage application problems • Marketed bank products to individuals and firms, promoting bank services that may meet customers' needs • Worked with clients to identify their financial goals and to find ways of reaching those goals

Cleveland , Ohio, Us

• Originated and underwrote residential loan files for real estate purchase and refinance transactions, utilizing DU and LP and program guidelines to evaluate subject property, financial strength, and credit worthiness of borrowers• Achieved top customer service ranking and consistently ranked in the top percentile of customer service surveys• Anti-Money Laundering Training• Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information • Reviewed loan agreements to ensure that they are complete and accurate according to policy • Approved loans within specified limits, and referred loan applications outside those limits to management for approval • Handled customer complaints and take appropriate action to resolve them • Stayed abreast of new types of loans and other financial services and products to better meet customers' needs • Reviewed and updated credit and loan files • Analyzed potential loan markets and developed referral networks to locate prospects for loans • Conferred with underwriters to aid in resolving mortgage application problems • Markeedt bank products to individuals and firms, promoting bank services that may meet customers' needs

Minneapolis, Mn, Us

• Originated and underwrote residential loan files for real estate purchase and refinance transactions, overseeing entire loan process• Consistently ranked in the top 25% in production• Anti-Money Laundering Training• Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information • Met with applicants to obtain information for loan applications and to answer questions about the process • Explained to customers the different types of loans and credit options that are available, as well as the terms of those services • Reviewed loan agreements to ensure that they are complete and accurate according to policy • Approved loans within specified limits, and referred loan applications outside those limits to management for approval • Handled customer complaints and take appropriate action to resolve them • Stayed abreast of new types of loans and other financial services and products to better meet customers' needs • Reviewed and updated credit and loan files • Submitted applications to credit analysts for verification and recommendation • Computed payment schedules • Analyzed potential loan markets and develop referral networks to locate prospects for loans • Conferred with underwriters to aid in resolving mortgage application problems • Marketed bank products to individuals and firms, promoting bank services that may meet customers' needs • Worked with clients to identify their financial goals and to find ways of reaching those goals

• Worked with clients to identify their financial goals and to find ways of reaching those goals • Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information • Met with applicants to obtain information for loan applications and to answer questions about the process • Explained to customers the different types of loans and credit options that are available, as well as the terms of those services• Reviewed loan agreements to ensure that they are complete and accurate according to policy • Approved loans within specified limits, and referred loan applications outside those limits to management for approval • Handled customer complaints and take appropriate action to resolve them • Stayed abreast of new types of loans and other financial services and products to better meet customers' needs • Reviewed and updated credit and loan files • Submitted applications to credit analysts for verification and recommendation • Analyzed potential loan markets and develop referral networks to locate prospects for loans • Conferred with underwriters to aid in resolving mortgage application problems • Marketed bank products to individuals and firms, promoting bank services that may meet customers' needs • Worked with clients to identify their financial goals and to find ways of reaching those goals

Minneapolis, Mn, Us

• Originated and underwrote residential loan files for real estate purchase and refinance transactions, overseeing entire loan process• Consistently ranked in the top 25% in production• Anti-Money Laundering Training• Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information • Met with applicants to obtain information for loan applications and to answer questions about the process • Explained to customers the different types of loans and credit options that are available, as well as the terms of those services • Reviewed loan agreements to ensure that they are complete and accurate according to policy • Approved loans within specified limits, and refer loan applications outside those limits to management for approval • Handled customer complaints and take appropriate action to resolve them • Stayed abreast of new types of loans and other financial services and products to better meet customers' needs • Reviewed and updated credit and loan files • Submitted applications to credit analysts for verification and recommendation • Computed payment schedules • Analyzed potential loan markets and develop referral networks to locate prospects for loans • Conferred with underwriters to aid in resolving mortgage application problems • Marketed bank products to individuals and firms, promoting bank services that may meet customers' needs • Worked with clients to identify their financial goals and to find ways of reaching those goals