Kimberly Glasper Email & Phone Number

Coppell, Texas, United States

• Responsible for creating a comprehensive written compliance risk assessment tailored to the Compliance Risk profile. • Perform ongoing compliance monitoring to identify and assess the mortgage company’s risks and determine corrective actions needed to strengthen compliance management. • Provide periodic findings/reports to the Board of Directors• Create additional procedures and training based upon findings identified from monitoring risk.

Plano, Texas, United States

• Analyze risk for assigned functional areas and/or processes, create reports, identify issues, and document remediation steps taken to resolve issues• Serve as subject-matter expert (SME) within the team, resolve escalated issues, and provide direction, guidance, and training to staff members• Develop and lead compliance testing plans for assigned areas to ensure systems, data, and documents are compliant with regulatory and process requirements• Review processes, policies, and procedures to identify gaps and ensure compliance with regulatory requirements• Partner with business areas to review and create policies that comply with regulatory requirements and coordinate policy distribution with stakeholders

Plano, Texas

• Manage daily operations of the retail & wholesale disclosure teams (including third-party service provider) to ensure activities are carried out in a timely manner and in accordance with federal and state requirements• Supervise staff by communicating and directing job expectations; planning, monitoring, and appraising job performance; coaching, counselling, and disciplining employees; and initiating, coordinating, and enforcing policies and procedures• Ensure team members have accurately reviewed finance agreements, lock-in confirmations and/or Change of Circumstance (COC), and that related disclosures or re-disclosures have been issued timely and accurately• Manage the verification of points and fees and reviews of QM types, ensuring that data is reflected correctly in the Encompass system• Establish metrics that drive and measure staff and department performance• Manage processes for conducting sample reviews of the disclosure team output and address issues as needed

Lewisville, Tx

•. Manage fees for all business channels –Builder, Joint Ventures, Retail and Wholesale• Provide fee details for state, HUD, VA and CFPB annual audits for Stearns and Joint Ventures • Review and create test scenarios with QA team to ensure fees are mapped to the Loan Estimate and Closing Disclosure correctly• Analyse new loan product guidelines to determine what fees need to be implemented or removed • Audit closed loans to ensure tolerance cures are not due to fee defaults

Irving, Tx

• Maintain fee structures for all divisions – Direct, Builder, and Wholesale• Routinely research and review current/future regulatory changes impacting fees• Partner with Compliance to ensure fees are within High Cost guidelines• A Subject Matter Expert for fees regarding RESPA/CFPB regulation changes• Work with IT dept to help trouble shoot fee issues with origination and processing systems• Audit Final HUD-1s to ensure the 10% and 0% tolerance fees were calculated correctly on the GFE

Irving, Tx

• Reviewed cancelled/denied loans to ensure loans were dispositioned according to HMDA guidelines• Processed Adverse Action notices for Retail and Wholesale loans• A Subject Matter Expert for all RESPA questions for a Home Loan Division call center that supports all operational systems, policies, procedures, and compliance related questions• Met with Key Stakeholders to implement a process to centralize the processing of Denial Letters and Counteroffers• Audited recently closed loans to ensure that loans followed RESPA guidelines

• Managed individual branch fee structures for over 2000 retail and centralized sales branches• Ensured that fee related system issues, changes, and enhancements were thoroughly investigated prior to programming• Created fee rules and exceptions in a Fee Rule database engine based on program guidelines• Researched and reviewed closed loans to ensure fees quoted were accurate• Partnered with Pricing and Finance to determine revenue goals • Consulted with Legal to evaluate any risk associated with fee changes amongst channels (retail, wholesale, and centralized sales), fee names, and HUD line placement• Analyzed the Heitman Report to determine market acceptance of fee changes