Analyze available data to identify fraud trends and proactively take actions. Interpret and enforce policies related to fraud jobs, scam jobs and jobs with harmful contents. Stay up to date on key workflow changes, operational guidelines and policy updates. Identify problems and issues by performing relevant deep dive and research on from multiple languages using directed appropriate toolsWork closely with process analysts and support functions and align them with respect to the job… Show more Analyze available data to identify fraud trends and proactively take actions. Interpret and enforce policies related to fraud jobs, scam jobs and jobs with harmful contents. Stay up to date on key workflow changes, operational guidelines and policy updates. Identify problems and issues by performing relevant deep dive and research on from multiple languages using directed appropriate toolsWork closely with process analysts and support functions and align them with respect to the job functions. Review Jobs within SLA with high quality. Review Search engines, social media and other resources for investigations. Show less

Team Lead/ Underwriter: Responsible for underwriting loans. Gathering documents to assist in the loan decision process. Review documents such as income, drivers license, certain utility bills, paystubs, tax returns and mortgage disclosure statements. Assess all tax documents including all Schedules, E, C, 1099-R, K, D, and K-1. Review applications for evidence of falsifying income, understating or failing to disclose liabilities and debts, overvaluing certain collateral, failing to disclose… Show more Team Lead/ Underwriter: Responsible for underwriting loans. Gathering documents to assist in the loan decision process. Review documents such as income, drivers license, certain utility bills, paystubs, tax returns and mortgage disclosure statements. Assess all tax documents including all Schedules, E, C, 1099-R, K, D, and K-1. Review applications for evidence of falsifying income, understating or failing to disclose liabilities and debts, overvaluing certain collateral, failing to disclose criminal records, making false claims of U.S. citizenship, failing to disclosure true owner of business, using false social security or tax identification numbers to conceal poor credit, submitting altered tax returns, providing fraudulent standby agreements and creating work histories. All fraudulent finding promptly sent to management. Participate in strategic planning meetings for new prospects for the foreseeable future. Show less

Team Lead/Loan Officer: Manage team of 15 to ensure appropriate performance of work to include working within the frequently changed guidance and procedures. Since the declaration of the COVID-19 emergency, the guidance and procedures have changed at least every three (3) days. Motivates team members to ensure appropriate work level is achieved and provides performance feedback. Provides assistance to management and updates management on team’s performance. Provides training as needed. Work… Show more Team Lead/Loan Officer: Manage team of 15 to ensure appropriate performance of work to include working within the frequently changed guidance and procedures. Since the declaration of the COVID-19 emergency, the guidance and procedures have changed at least every three (3) days. Motivates team members to ensure appropriate work level is achieved and provides performance feedback. Provides assistance to management and updates management on team’s performance. Provides training as needed. Work with a variety of customers to assist in meeting applicable guidelines and requirements for small business Economic Injury Disaster Loans (EIDL) loans. Assist customers in obtaining funding for their business that need assistance due to COVID-19 or natural disasters. Duties include reviewing credit reports and data to ensure applicants meet SBA’s guidelines and ensuring eligibility and creditworthiness. Review tax documents such as all Schedules, E, C, 1099-R, K, D, and K-1. Review personal identification and other reports such as Dun & Bradstreet to ascertain the applicant’s ethics and integrity, financial resources, and ability to perform. Review files for fraudulent equity, tax returns, unbalanced bank accounts overstating income and/or personal/business identification. Evaluate, authorize and/or recommend approval of loan application for small businesses. Excellent written and oral communication skills to work with numerous different small business and personnel each day to ensure loan applications are complete. Ability to successfully perform duties and lead team within a telework environment. Show less

Assist customers with accurate loan information, analyze documents for underwriting such as income verification, Customer Identification Program (CIP) documents and credit reports, reporting anything suspicious to management. Reviews credit documentation and histories to ensure all documents match credit report on file, reports loan information to management for funding. Reviews files for fraudulent equity injection by analyzing gift letters and affidavits to ensure money exists and that it was… Show more Assist customers with accurate loan information, analyze documents for underwriting such as income verification, Customer Identification Program (CIP) documents and credit reports, reporting anything suspicious to management. Reviews credit documentation and histories to ensure all documents match credit report on file, reports loan information to management for funding. Reviews files for fraudulent equity injection by analyzing gift letters and affidavits to ensure money exists and that it was not repaid to donor; tax returns to ensure reported income supports the required equity injection; bank statements have not been altered, bank accounts to ensure they do not include recent, unexplained, large dollar deposits into the account, and/or the credit report shows a poor credit history while the borrower claims to have substantial cash. Assess all tax documents including all Schedules, E, C, 1099-R, K, D, and K-1. Also reviews files for promissory notes and standby agreements, financial statements, or cashier’s checks. Review applications for evidence of overstating income, understating or failing to disclose liabilities and debts, overvaluing collateral, failing to disclose criminal records, making false claims of U.S. citizenship, failing to disclosure true owner of business, using false social security or tax identification numbers to conceal poor credit, submitting altered tax returns, providing fraudulent standby agreements and creating work histories. All fraudulent finding promptly sent to management. Show less

Worked as Security Investigator for Bank of the West – Omaha, NE located at 13220 Dodge Street, Omaha, Nebraska 68154. Competencies include Bank Secrecy Act (BSA)/ Certified Anti-Money Laundering, customer service and Microsoft Excel. Responsible for analyzing system generated alerts and referring suspicious transaction activity to make case determinations on the Financial Crimes Enforcement Network (FinCEN) reportable items in compliance with the Bank Secrecy Act. Documents moderately… Show more Worked as Security Investigator for Bank of the West – Omaha, NE located at 13220 Dodge Street, Omaha, Nebraska 68154. Competencies include Bank Secrecy Act (BSA)/ Certified Anti-Money Laundering, customer service and Microsoft Excel. Responsible for analyzing system generated alerts and referring suspicious transaction activity to make case determinations on the Financial Crimes Enforcement Network (FinCEN) reportable items in compliance with the Bank Secrecy Act. Documents moderately complex cases and ensures all reporting requirements are met in compliance with government regulations and bank policies and BSA procedures. Responsibility for meeting performance and quality key performance indicator (KPI) standards while working in a professional environment. Researches, analyzes, recommends and investigates customer activity for potential Anti-Money Laundering related suspicious activity. Research and document moderately complex cases generated from automated monitoring system and referred by Bank personnel for potential Anti-Money Laundering related activity and makes recommendations for Suspicious Activity Reporting to FinCEN or Non-Suspicious Activity Report (SAR) case determinations. Review and analyze automated alerts for potential suspicious activity maintaining a production and performance standard. Investigates cases involving, but not limited to cash structuring, transactions involving Bank designated High Risk Countries (HRC), wire transfer, commercial loan payments and reports from branches regarding their customer’s activity. Prepare Suspicious Activity Reports and other required reports in compliance with established regulatory guidelines and time frame. Prepare thoroughly factual and impartial finding in an accurate and timely manner for reportable and non-reportable cases. Communicates with branch and department managers, as necessary, in researching and investigating cases Show less

Reviews daily suspicious alerts, completes daily spreadsheets for suspicious accounts, monitors accounts for credits/debits, responds promptly to emails in the BSA Compliance Users box, process Office of Foreign Assets Control (OFAC) concerns. Review customers accounts for compliance issues within the credit union. Executes projects to obtain third party loans for PenFed to purchase and put under contract for PenFed. Reviews promissory notes for accurate loan details before sending to the… Show more Reviews daily suspicious alerts, completes daily spreadsheets for suspicious accounts, monitors accounts for credits/debits, responds promptly to emails in the BSA Compliance Users box, process Office of Foreign Assets Control (OFAC) concerns. Review customers accounts for compliance issues within the credit union. Executes projects to obtain third party loans for PenFed to purchase and put under contract for PenFed. Reviews promissory notes for accurate loan details before sending to the member. Managing risks for the daily spreadsheets. Provides training and power points as needed for further project information, performed audits of files for compliance regulations. Show less

Supervisor: Provides training, mentoring and guidance to team and ensure new products, procedures and guidelines are communicated in a timely manner. Handled escalated member calls. Monitor performance of all staff ensuring quality levels are met and products are within the guidance and regulations. Exceeds expectations for executing digital payments for the consumers. Loan Officer: Originates loans, promotes bank and lending services to the community. Meets with applicants to obtain… Show more Supervisor: Provides training, mentoring and guidance to team and ensure new products, procedures and guidelines are communicated in a timely manner. Handled escalated member calls. Monitor performance of all staff ensuring quality levels are met and products are within the guidance and regulations. Exceeds expectations for executing digital payments for the consumers. Loan Officer: Originates loans, promotes bank and lending services to the community. Meets with applicants to obtain information for loan applications and to answer questions, manage large loan portfolio, explain different types of loans and credit options, as well as terms, to customers. Provide advice and obtains loan applicants’ credit histories, corporate financial statements, and other relevant financial information. Analyze financial status, credit histories and property evaluations to determine feasibility of grant loans. Approve loans within specified limits and refer those outside authority to appropriate personnel. Reviews loan agreements to ensure they are complete and accurate according to all guidance and policies. Handle customer complaints and take appropriate action to resolve them. Ensure compliance with financial institutions policies and procedures. Stay abreast of new types of loans and other financial services and products to meet customers’ needs. Has access to confidential information relating to customers and accounts. Protects the privacy and confidentiality of customers, other employees and financial institution. Underwriter: Responsible for making prudent, accurate and prompt credit decisions within established approval/exception guidelines, in compliance with all state and federal regulations. Assess all tax documents including all Schedules, E, C, 1099-R, K, D, and K-1. Show less

Responsible for making prudent, accurate and prompt credit decisions within established approval/exception guidelines, in compliance with all state and federal regulations. Analyzes information received from credit applications and credit reporting agencies, negotiates terms and conditions within established guidelines, leveraging risk versus reward to ensure credit quality and profitability. Assess all tax documents including all Schedules, E, C, 1099-R, K, D, and K-1. Conducts real-time… Show more Responsible for making prudent, accurate and prompt credit decisions within established approval/exception guidelines, in compliance with all state and federal regulations. Analyzes information received from credit applications and credit reporting agencies, negotiates terms and conditions within established guidelines, leveraging risk versus reward to ensure credit quality and profitability. Assess all tax documents including all Schedules, E, C, 1099-R, K, D, and K-1. Conducts real-time customer interviews and investigations on non-prime credit applications to gather and document information pertaining to credit decisions. Able to identify problems and offer solutions. Monitors overall location and individual portfolio productivity, calls customers to follow-up on pending contracts to increase capture and conversion ratios. Provide excellent customer services at all points of customer contact, internally and externally. Excellent communication skills and ability to work in a fast pace environment. Show less

Answers complex problems about members accounts, works closely with other departments to get members’ problems resolve, ability to organize my time and use resource materials given. Contact member to go over loan documents before being sent, mail documents to member for proper guidance on how to proceed with their loan process. Excellent verbal and written communication and customer service. Has access to confidential information relating to customers and accounts. Protects the privacy and… Show more Answers complex problems about members accounts, works closely with other departments to get members’ problems resolve, ability to organize my time and use resource materials given. Contact member to go over loan documents before being sent, mail documents to member for proper guidance on how to proceed with their loan process. Excellent verbal and written communication and customer service. Has access to confidential information relating to customers and accounts. Protects the privacy and confidentiality of customers, other employees and financial institution. Show less

Review documentation such as income, appraisals, W2’s, title insurance, employment history and credit reports, ensured all files were complete and up to date prior to sending to underwriting for review. Organizes closings with all borrowers, different lenders and title companies. Worked expertly with Microsoft Word, Excel, Outlook, and Nautilus. Serve as both originator and processor on loans. Responsible for generating Account Condition Letter per Regulation B requirements. Act as Members… Show more Review documentation such as income, appraisals, W2’s, title insurance, employment history and credit reports, ensured all files were complete and up to date prior to sending to underwriting for review. Organizes closings with all borrowers, different lenders and title companies. Worked expertly with Microsoft Word, Excel, Outlook, and Nautilus. Serve as both originator and processor on loans. Responsible for generating Account Condition Letter per Regulation B requirements. Act as Members main point of contact throughout the entire mortgage process, ensuring excellent levels of member service. Review initial loan approval and work with borrower to gather appropriate documentation. Collect all required documentation for the loan package. Create a loan submission package for the Underwriting department. Submit files to assigned Underwriter Department and satisfy all conditions to assigned Underwriter. Communicate both orally and written with other professionals, including attorneys, county clerks and title companies. Contact management when needed for additional guidance. As required, ensure proper re-disclosures are prepared and delivered to the member within regulatory guidelines based on identified change in circumstances by providing guidance/advice/counsel on process, product, and pricing in a detailed and comprehensive manner. Determine initial potential for qualification by evaluating credit history, income levels and assets/liabilities; calculate debt- to-income and loan-to-value ratios. Restructure loan request and recommend for adverse action as needed. Assemble and submit completed file to Underwriting, clear manual conditions, cure title issues, resolve appraisal discrepancies with appraisal review group as needed. Show less