Reviewed collateral files and mortgage loan documents relating to pools of loans in Mortgage-Backed Securities to determine compliance with the applicable Government Agency’s or private investor’s requirements for Initial, Final or Re-Certification. Uploaded and certified Fannie Mae backed mortgages. • Prepared agency team’s responses to Risk Management’s monthly assessments and to internal and external auditors and resolved exceptions as needed. • Trained new and existing employees and performed quality control reviews of document reviewers’ production to ensure the quality and consistency of their work met defined standards. • Determined document labeling for filing was inefficient and contributed to backlog, discussed needs of the parties involved and presented findings to senior management, who implemented my recommendation. • Reviewed changes to reviewers’ procedures, determined some steps were not feasible given the limitations of the current system, presented findings to senior management.• Performed due diligence of commercial real estate pool of loans, including UCC filings and loan covenants, to determine missing documents needed to pass audits and followed up to obtain needed materials.

Founded and managed real estate investment company.Extensive training on residential real estate from mortgages, title documents, pricing/offers, house inspections, REITs, foreclosures, hard money lenders, rehabbing, estimating repairs, business entities, wholesaling, government programs (e.g. HAMP), contracts, deeds, modifications, lease agreements, financial convenants, closings

Worked with clients, lenders, title companies, realtors & attorneys to successfully manage relationships and close transactions, primarily focused on residential and commercial real estate, including short sales. Also worked on debt resolution, estates and litigation.Identified and obtained all necessary third-party reports, including title, surveys, entity documents, flood determinations, and environmental searches.Grand Jury Duty, Ocean County, NJ 2017

Various independent consulting engagements, included helping a company improve its warehouse inventory system to successfully pass audits and helping revitalize a company impacted by Superstorm Sandy.

Managed turnaround of strategic business for U.S. Commercial Banking division, with P&L responsibility.• Developed strategy and implemented initiatives to turnaround business identified by senior management as key to the growth of related business with $800 million+ in revenue.• Evaluated business to determine causes of disarray and identified corrections for business turnaround.• Designed strategy and implemented steps to make the business competitive and compliant and improve it to the level needed to use it as an entry to cross-sell other business’ products and services.• Identified enterprise-wide compliance problems, determined improper processing procedures were the primary cause, worked with internal outsourced back-office to redesign the procedures of their external outsourced back-office to prevent further violations.• Reduced backlog by 85% and improved future response times from months to days. Determined reasons for noncompliance with Watch List Reporting, created response and escalation procedures, then designed and provided training.• Improved approval times from weeks and months to days and reduced multiple rejections 50%: Electronic customer due diligence submissions rejected 99% of the time and often two or more times, causing processing delays for weeks/months. Determined reasons for rejections by overseas Compliance team and set metrics for rejection report. Identified KYC and eCADD/eCDD training needs, designed priority-processing procedures and provided training.• Eliminated 90% of stoppages: Determined causes for unnecessary compliance related stoppages for customers using multiple products. Created manual workaround to prevent stoppages then designed long-term solution to allow cross-referencing of customer data, including due diligence information.• Increased deal flow from 1 deal every 6 months to 10 deals in monthly pipeline: Determined causes of limited opportunities, addressed underlying issues and expanded product line.

Hired as an internal consultant to determine the future of $130 million+ global trade business. Reset and implemented profitable strategy for business unit. Matrix managed cross-functional teams to successfully complete post-merger business process optimization integration initiatives. Had P&L responsibility. Member, US National Group Trade Subcommittee, Society for Worldwide Interbank Telecommunications (SWIFT)• Validated $130 million global business and reset strategy to grow it profitably: Analyzed business and determined current strategy would make it unprofitable. Assessed business’ strategic fit and value proposition, then designed new strategic plan to grow the business profitably and improve financial reporting on allocated expenses and other data needed to manage business successfully. • Presented $2 million business case to senior leadership: Product gap caused the loss of $6 million in new opportunities and endangered $12 million dollars in existing business. Assessed current global capabilities and legal concerns against customer needs and competitive offerings to determine changes necessary to close product gap. Sourced outside technology vendor options and costs of in-house upgrades. • Optimized post-merger integrations saving $2.3 million: Evaluated merging global businesses, then chose best systems, products and processing locations. Removed operational redundancies and lowered costs. • Matrix managed cross-functional teams to successfully complete post-merger business process optimization integration initiatives, including standardization of service level agreements. • Designed and implemented surveys to improve customer satisfaction.

Managed export letter of credit and standby letter of credit businesses generating over $230 million in combined revenue on $55 billion in contingent liabilities. Integrated post-merger product lines. Had P&L responsibility. • Recovered $5 million on written off invoices and reduced interest carrying costs 50% on aging receivables: Led cross-functional team, using Six Sigma, to identify root causes of write-offs and the changes needed to reduce future write-offs, then implemented the changes. • Increased business with targeted customer base 57% increasing revenues 96%: Designed and implemented a global rebate program. Integrated post-merger product lines, leveling differences without hurting profitability. • Designed and marketed collateralized debt obligations (CLOs) for trade receivables.

CONFIDENTIAL BOUTIQUE TRADE FINANCE FIRM, Independent ConsultantNCM AMERICAS, INC. (now Atradius Trade Credit Insurance), Regional Sales ManagerFIRST UNION NATIONAL BANK (now Wells Fargo), VP, Global Trade Services Sales, Product Manager, Product DevelopmentCREDIT COMMERCIAL DE FRANCE (now HSBC), AVP, Lender, Multinational Trade and CommoditiesSWISS BANK CORPORATION (now UBS), Credit Analyst, Senior Credit Analyst, Assistant Treasurer, Lender, Commodity Trade Finance