Due Diligence owns the client due diligence process and engages with clients, relationship team and third parties to mitigate risk via a thorough due-diligence process which may include: conducting comprehensive research and/or background investigations on transactions, individuals, entities, organizations or locations to identify and mitigate associated sanctions, credit, financial crime, and reputational risks and thoroughly documenting findings. Engages with clients directly or indirectly through relationship managers to support meeting policy / regulatory requirements in a manner consistent with Wells Fargo s values and focus on client satisfaction. Consults and provides guidance to business groups and process/product owners on the implementation and execution of business-specific programs, processes and controls that review bank customers (individuals/entities), related parties (owners, board of directors, executives) and/or transactions that present a low to moderate degree of complexity and risk to determine appropriateness for Wells Fargo. Consults and provides support in the interpretation of policy, guidelines, and governance programs for low to moderate risk and complexity due diligence programs. Gathers and inputs data utilizing multiple internal systems and/ or external 3rd party resources to identify documentation required to meet policy or regulatory requirements. Analyzes data to identify issues to be escalated for review of compliance with regulatory and department guidance. Supports business in execution of due diligence reporting processes and controls. Aggregates, evaluates, reports results and escalates where necessary. Supports and implements initiatives with low to moderate risk. Internal interaction with team to support identification, management and mitigation of business-specific risk programs. Operates independently and effectively manages work requests to meet performance expectations.

Dynamic and motivated professional with a proven record of building relationships, manages the regulatory and compliance requirements of the financial crimes industry, and assist coaching individuals to success. Skilled in building a cross-functional team, demonstrating exceptional communication skills. Adaptable and transformational leader with an ability to work independently, creating effective presentations, and developing opportunities that further establish organizational goals.Responsible for ongoing management of a small risk-based financial crimes program within a small to mid-size business. Manages the implementation of procedures, controls, analytics and trend analysis to ensure proactive identification, prevention execution, detection, investigation, recovery and government/internal reporting of financial crime activity. Creates and manages detection/prevention processes to support business goals; plans and manages a wide range of complex analytical and investigative activities. Works with line of business to balance risk and control efforts to assist business in meeting business goals. Manages the use of internal and external data, including publicly available information. Resolves escalated issues; communicates with customers, vendors, other departments and financial crimes management. Analyzes market trends and emerging issues and works with financial crimes management to develop and implement department policies/procedures to maximize efficiency and customer service and ensure compliance with government regulations. Ensures compliance with regulatory requirements such as Bank Secrecy Act, USA PATRIOT Act, FACTA, etc. Manages a team of supervisors/analysts/specialists, although higher-risk, more complex cases may require hands-on involvement.

Manages the activities and/or operations of a loan production, loan servicing, commercial or real estate construction loan team responsible for loan processing, documentation, pre-closing/closing tasks, loan monitoring, loan servicing or may include underwriting activities. Manages supervisors, loan administrators and/or a small group of commercial lending team members, exempt and/or non-exempt and accountable for ensuring quality customer service provided to internal/external customers. Responsible for or participates in the hiring, coaching, developing and supervising of team members, including decisions relative to performance reviews, terminations, hires, discipline, salary actions, etc. Participate in the formulation of work procedures, policies and methods to ensure compliance with Wells Fargo, legal, investor, regulatory, and/or business policies which directly affect the work unit but may have an indirect, if any, effect on other departments or outside customers.Manages projects that primarily impact functional areas or specific departments. May oversee quality control process and assists with managing budget.Provide guidance in resolving complex or challenging loan transactions to yield the best possible outcome while giving staff the opportunity to develop and recommend solution. Manage and forecast staffing needs to support changing demands of production levels.Ensure adherence to regulatory and compliance requirements.Maintain knowledge of current industry practices and trends; identify opportunities for improvements of established practices and customer satisfaction. Provide leadership, training and coaching to operations staff to ensure the highest level of member service throughout the process. Assist, as necessary, with resolution of any customer service issues escalated to management level and exercise professional judgment in further escalating.

I started with Wells Fargo in June of 2000 as a temp employee and was hired as a processor in October of 2000. I processed for two years during the beginning of the refi rally. In 2002 I became an Account Representative and partnered with Sales in marketing, training, scenarios, and pricing. I assisted the mid west group, the southeast and then later the northeast. During this time I also assisted team members with processing, underwriting and closing of loans. In 2010 I moved into the role of a full time underwriter. Maintained daily production requirements and worked with my manager on capacity planning. In 2012 I moved into a management position overseeing the underwriting team. • Manages the daily productivity.• Manage underwriting team capacity planning daily to ensure turn times are met as per the metrics.• Manage the Reg. B report to ensure that all loans have received a decision within 20 days of receipt • Monitor underwriters pipeline sizes to ensure they are manageable.• Monitor and provide resolution for the RECOR report to our Compliance Specialist• Monitor individual QIS/CQA results• Participate in MLM calls and monthly Southeast calls. • Provide updated credit policy changes to team members • Deliver coaching and mentoring sessions with team members for career development and performance. • Develop Team members in achieving IDP goals• Assist Sales partners with scenarios : loan structuring, pricing and documentation requirements.

Responsible for reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines. Dependent on division, functions may include evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, creditreports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation; using an automated scoring system or traditional underwriting to determine acceptability of moderate requests; contacting customers andpartners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or tosell/promote line products; staying abreast of any changes in underwriting provisions; working with production to resolve questions when possible.

Provided training for our Sales Partners. Traveled to various offices to Market our platform.Assisted with pricing and scenarios of loan structuring. Assisted team members with pricing and loan structuring.

Responsible for performing a variety of loan documentation duties on complex loan packages to ensure compliance with Company policies and procedures for loan products. Functions include: processing, closing and compliance for loan products; interpreting policies while analyzing applicant, property and documentation; ordering all requiredverifications, documentation and subsequent follow-ups; may provide guidance and training to other loan documentation team members. May manage an assigned pipeline of loans and/or assign new loans to other loan team members. May act as a liaison between lenders and legal department.