Developed, implemented and maintained a company-wide compliance program. Oversaw and resolved compliance issues raised by internal teams, reviews and external audits/exams. Generated and filed State and Federal reports. Maintained compliance policies and procedures, while also managing any changes to any regulations or laws. Communicated and presented compliance reports to Board of Directors. • Lead a compliance team of 1 Compliance Specialist, 1 Licensing Specialist and 1 Compliance Analyst• Implemented a new Home Mortgage Disclosure Act (HMDA)• Developed and implemented a companywide pipeline management program• Prepared multiple State and agency exams with a result of 0 civil money penalties or enforcement actions• Worked with investors to ensure loans are salable, saving the company money from potential resales

Managed the company-wide compliance program. Responded to compliance issues and handled external audits/exams and responded to findings. Developed and maintained compliance policies and procedures.• Developed and implemented a Federally approved HMDA program• Designed an internal regulation based audit program• Moderated licensing requirements and handled NMLS system

Created, implemented and maintained a company-wide regulatory compliance program. Responded and resolved compliance issues, reporting violations to Chief Compliance Officer. Oversaw and complied with all regulatory policies, procedures and State/Federal laws, working in tandem with senior leadership for approval/improvements. • Led a team of 1 HMDA Specialist, 2 Compliance Specialists and 1 QC Analyst• Prepared multiple state and agency exams with a result of 0 civil money penalties or enforcement actions• Identified compliance training needs and collaborated with HR to develop and deliver necessary training• Lead liaison with Federal and State regulators

Created, reviewed and updated new and existing compliance and origination policies and procedures, specifically TRID related. Interfaced with senior leader leadership on all regulatory issues and process improvement opportunities. Consulted and assisted management with mortgage originations business planning, as well as the development of the compliance management system. • Liaison for Federal and State regulators• Responded to all Federal, State and investor audits• Implemented new regulatory changes

Created, reviewed and updated new and existing compliance and origination policies and procedures, specifically TRID related. Researched and solved compliance and legal issues pertaining to mortgage originations. Consulted and assisted management with mortgage originations business planning.• Prepared and delivered job specific training for compliance related topics, processes and procedures• Implemented new regulatory changes

Performed substantive legal analysis and process services on third party legal service requests served on all entities of Comerica Bank. Conducted compliance reviews on various subpoenas to ensure accurate information was being released. Communicated with business unit personnel and management to address third party services requests.

Reviewed regulation and completed compliance reviews. Composed compliance reports for senior leadership. Verified employment for perspective loan applicants and completed fraud alerts. Used OFAC, MERS and CBC systems to perform credit checks.