Maryann S. Email and Phone Number

Conducted audits for Residential Lending servicing processes to ensure compliance with policies, procedures, and regulations. Identified and reported risks, recommending changes to management for risk mitigation.• Developed and revised test questions and proposed solutions for exceptions to streamline processes.• Proficient in using ACES to test and manage quality and compliance.• Recommended procedural and workflow changes to improve efficiency and quality.• Achieved 97% efficiency in meeting audit and process review deadlines through effective time management.• Evaluated recorded calls for default, non-mortgage, customer service research, and OPL-SOCC teams using NICE software.• Prepared and presented monthly reports and analytical information for call monitoring reviews to senior management.• Established and maintained relationships with business unit leads, senior management, and business partners.• Compiled and reported project updates, change management, and analytical information via presentations to senior management.• Implemented and managed controls to ensure compliance with procedures and regulations.• Developed risk avoidance and mitigation strategies to safeguard organizational assets from potential hazards while tracking trends in testing to enhance overall effectiveness.

I worked for Union Bank/U.S. Bank for 36 years, starting as a Teller and eventually advancing to the role of Vault Teller. I was then promoted to Bank Operations, where I oversaw a team of two employees handling safe deposit boxes, wire transfers, foreign currency, NSF reports, and rejected items reports, while also assisting customers with various inquiries.Later, I took on a position as a Personal Property Adjustor in the Auto Loans department. In this role, I managed a queue of accounts, made payment arrangements, collected on delinquent accounts, addressed insurance issues, and initiated repossessions for accounts that were severely delinquent.I then transitioned to the Bankruptcy department, where I managed the entire process for accounts in foreclosure, overseeing each case from initiation to completion before returning the account to the foreclosure department. I gained a thorough understanding of the foreclosure process by attending senior sales and seeing cases through to completion.Eventually, I was promoted to Work Director in the Foreclosure and Bankruptcy area, where I ensured that the department stayed on task and that all items were handled within appropriate timeframes. I also made sure that procedures were kept up to date. For the last eight years of my career, I focused on Risk Management.

I worked for Union Bank/U.S. Bank for 36 years, starting as a Teller and eventually advancing to the role of Vault Teller. I was then promoted to Bank Operations, where I oversaw a team of two employees handling safe deposit boxes, wire transfers, foreign currency, NSF reports, and rejected items reports, while also assisting customers with various inquiries.Later, I took on a position as a Personal Property Adjustor in the Auto Loans department. In this role, I managed a queue of accounts, made payment arrangements, collected on delinquent accounts, addressed insurance issues, and initiated repossessions for accounts that were severely delinquent.I then transitioned to the Bankruptcy department, where I managed the entire process for accounts in foreclosure, overseeing each case from initiation to completion before returning the account to the foreclosure department. I gained a thorough understanding of the foreclosure process by attending senior sales and seeing cases through to completion.Eventually, I was promoted to work as a Director in the Foreclosure and Bankruptcy area, where I ensured that the department stayed on task and that all items were handled within appropriate timeframes. I also made sure that procedures were kept up to date. For the last eight years of my career, I focused on Risk Management.

Oversaw foreclosure and bankruptcy workflow for the unit and provided work direction for staff members. Ensured accuracy and compliance of staff work, such as publications, bidding instructions, transfers to REO, 1099C forms, bankruptcy declarations, and Motion for Relief orders.

Oversaw foreclosure and bankruptcy workflow for the unit and provided work direction for staff members. Ensured accuracy and compliance of staff work, such as publications, bidding instructions, transfers to REO, 1099C forms, bankruptcy declarations, and Motion for Relief orders.• Supported the foreclosure supervisor on projects and control reports and responded to regulatory audit questions from auditors and outside agencies.• Trained new staff on FDIC foreclosures and the new MSP platform and prepared training materials.• Reviewed and updated service-level agreements for foreclosure trustees and foreclosure procedures as needed.• Verified new foreclosures referrals for SB1137 compliance and SCRA compliance for accuracy.• Reconciled aged loans and payment histories for audit and escalated matters.• Completed monthly Quality Assurance reviews for scorecards for the Foreclosure and Bankruptcy unit.• Balanced the monthly foreclosures reports.• Received training on GSE and HUD accounts as new products for Union Bank.• Handled default reporting for Private Mortgage Insurance, Freddie Mac, and Fannie Mae loans.• Maintained working knowledge of significant developments and trends in the field.• Answered correspondence and other communications from the board.• Established records and documents that adhered to federal, state, and local regulations.• Mediated problematic customers and clients to assist lower-level employees and maintain excellent customer service.• Trained and guided team members to maintain high productivity and performance metrics.