Kathleen Kramer Email & Phone Number

Chicago, Illinois, United States

Chicago, Illinois

Chicago, Illinois

Chicago, Il

• Directed day-to-day operations for multiple departments that conducted internal quality control analysis, monitored for compliance with regulatory requirements, oversaw downstream vendors and managed upstream client relations.• Initiated a vendor risk assessment platform, including robust audit techniques, daily oversight, fee and cost analysis, formalized policies and procedures, and standardized audit reviews which include formalized questionnaires, onsite assessments, risk grading and remediation monitoring. • Orchestrated client, investor and vendor summits. Conducted trainings and chaired meetings addressing various topics such as emerging compliance regulations, quality control oversight, industry trends, strategic initiatives and long-range growth potential.• Partnered with internal lines of business to institute a quality assessment model that reviewed high risk metrics aligned with the Firm’s risk culture. Presented findings, trending patterns and projections, root cause analysis, and proposed solutions with cost/benefit considerations to executive management.• Coordinated and ran all external audits conducted by the Firm’s clients and investors, including oversight of all remediation requirements imposed upon the Firm. • Developed, deployed and maintained the Firm’s policies and procedures in accordance with legal and regulatory requirements as well as industry standards. Conducted Firm-wide training on Firm polices and underlying regulation driving industry trends. • Collaborated with various business units to develop new technology to enhance business efficiencies including robust reporting, client analysis trending, and compliance oversight platforms tailored to each department’s needs and risk appetites.PROFESSIONAL HONORS:Received a Leadership Recognition Award (6/2016) for consistently handling high-risk escalations that posed significant financial and reputational risk in an accurate and timely manner reducing the Firm’s exposure.

Chicago, Il

• Managed 34 Bank network law firms in 11 states. Conducted on-site audits of law firms to review policies, processes, and compliance with Bank and regulatory requirements; developed and monitored remediation plans for non-compliant aspects. • Mitigated Bank risks by proactively identifying and escalating issues to internal and external partners and continuously monitoring through to resolution. • Developed and drove process improvements within the Bank and the law firms to expedite change initiatives, including timely implementation of legislative and regulatory changes in support of the Bank’s methodology.• Conducted law firm training sessions for new initiatives and new technology platforms.PROFESSIONAL HONORS & AWARDS:Recognized as a bank role model through diligently supporting and assisting internal colleagues on issues and following up to ensure resolution is achieved by receiving the Silver Award (3/2013). Commended for displaying a positive attitude and encouraging dialogue which resulting in faster resolution and greater comprehension within the bank.Promoted to Corporate Officer (2/2013) due to leadership accomplishments, performance results, mitigating the bank’s overall risk by expanding the scope of initiatives to other states outside of assigned territory, and training and guidance provided to new associates which significantly reduced learning curves.Presented with the Platinum Award (12/2012) for significantly exceeding expectations by creating and implementing an initiative which reduced the bank's overhead, mitigated risk and resulted in a long term process improvements. Partnered with internal lines of business, including corporate legal, risk, and compliance, and implemented the approved process at a national level.

Denver, Co

• Managed portfolio of more than 40 servicers’ loans with varying and complex requirements.• Designed and developed company-wide policy and procedure manuals based upon understanding of foreclosure-related statutes, systems, and client expectations and requirements. Conducted training on policies and procedures, as well as technology systems. • Delegated day to day work for 10 staff, handled escalated client and consumer complaints, and resolved escalated issues\• Implemented Fannie Mae reporting process that resulted in consistent decrease in stagnant inventory and garnered national attention from Fannie Mae executives.

Denver, Co

• Managed and directed on-site government and oil & gas document projects to ensure satisfaction of contract terms and deadlines.

Denver, Co

• Tutored 20 students, on individual and group basis, for successful completion of writing seminar.• Conducted course on ad hoc basis in professor’s absence. • Mentored students and assisted in directing classes.

Denver, Co

• Maintained mortgage and grant files for 29 affiliates with the Colorado Department of Housing and the Federal Home and Loan Bank resulting in an increase in dispensable funds. • Organized an event with the Colorado State Senators and Representatives which led to an allocation of $5 million dollars towards low income housing projects.• Conducted an internal audit and reconciled banking files recovering $15,000.

Barcelona, Spain

• Developed a research database of advanced medical protocols for the treatment of eating disorders, which included translating English medical trials that allowed the clinic to assist 1,200 patients more effectively.

Denver, Co

• Consolidated and streamlined methods of recruitment resulting in a more efficient admissions procedure and a 15% increase in application processing.