Michael Spērr Email & Phone Number

Management of Pre-funding operations.

Greater Minneapolis-St. Paul Area

Tested and audited loans for accuracy of data, compliance and standard work procedures by underwriters, processors and loan officers. Provided test results to management and field analysts.• Helped shape the effectiveness of the testing: procedures, scripts, methodologies and job aids.• Adapted to very frequent guideline/policy changes as this was a new start-up team.• Was chosen to assist on special projects outside the department, namely the CFPB audit. • Offered assistance to team members who needed help. • Discussed fraud issues discovered and escalated when necessary. • Shared rationale regarding identified defects and issues, including root cause.• Utilized subject matter expertise to guarantee the testing program was relevant and accurate. • Completed ongoing compliance training; UDAPP, OFAC, FDPA, ECOA, AML, ADA and BSA.

Greater Minneapolis-St. Paul Area

Worked with CQA decision quality management under the umbrella of capital markets. Reviewed over 1,000 external non-compliance loan audits from the Department of Veteran Affairs and responded via written and electronic correspondence. • Reviewed VA audits to determine quality, underwriter, process or data errors and regulatory and VA compliance guidelines were followed. • Effective verbal and written communication skills. Was asked to share language in my emails with teammates to help speed up production and response times.• Commended by management and the VA for developing and maintaining relationships with VA staff at the various regional loan centers across the country. Was asked to attend the VA national conference in 2012 representing Wells Fargo. • Praised by management and co-workers for a great job training new staff on business process. • Authority to correct certain documents as needed and allowed by policy and the VA.• Interacted with internal and external clients for resolutions including: Wells Fargo staff and upper levels of management, third party vendors, VA, HUD, law firms, and Wells Fargo vendors.• Was asked to assist on other audits including: HUD/FHA, Bond, MHFA, Rural Development, FMLMC Freddie Mac and FNMA Fannie Mae.

Greater Minneapolis-St. Paul Area

Managed Reg B compliance data reporting for 15 teams including five VIP relocation fulfillment teams. • Restructured Reg B reports to cut down on violations, maximize efficiency and save money.• Contributing member of the compliance network group; this is where compliance related discussions were held to determine implementing new government regulations.• Flood insurance (FDPA) SME. Was asked to train additional staff on flood SME role and conduct audits for granting their flood insurance authority. Helped reduce overall flood defects.• Managed large assignment of loans to underwriters and processors on a daily basis.

Greater Minneapolis-St. Paul Area

Education record

Certified Mortgage Compliance Professional (Cmcp Level 2)

Next is to take on level 3.

Education record