The main reason for this Sabbatical was to care for my spouse due to health complications.

Responsible for monitoring and evaluating the effectiveness of internal controls established to mitigate identified risks. Conducted various phases of rigorous testing, examining and auditing internal systems, processes, policies, and projects to ensure they met defined operating requirements, including component risk mitigation, policy execution, and relationship management with internal controls. Conducted end-to-end regression testing with client and third party, Pre-and Post-Production testing validation. Analyzed and audited testing results, identified improvement opportunities, and implemented solutions to breaks and problems while identifying procedural gaps found in CCB. Scope included end-to-end test design and successful execution and completion of internal control examinations set by Corporate and Regulatory standards. Partnered with business partners to automate test scripts for all regression testing for all (LOB’s) departmental businesses including (Auto, Business Banking, Credit Card, Consumer Banking, Chase Wealth Management, Home Lending, and Merchant Services).• Performed testing on internal controls, policy, procedural, and production breaks to ensure compliance with internal and regulatory requirements.• Identified risk exposure, executed and monitored action plans on all Remediation and Correction cases, using Audit Data Analysis on internal controls to ensure testing efficiency for both Pre and Post execution phases of testing.• Performed and documented results on all regression testing for both Pre and Post execution testing validation.• Designed, tested, and improved testing templates to automate the functionality of processes for how testing was executed.• Collaborated with team members, including project managers, and business partners to adhere to testing schedules.• Extremely advanced in MS Excel, and designed macro files for data comparison which reduced the test execution time by 50%.

Project Lead for the SCRA Consent Order Remediation project for the Auto/Student C/O Execution Team. Managed sections 521 (default judgment) and 532 (repossession) areas of assessment for Auto. Ensured accurate correction of SCRA active military customers who were impacted and harmed due to system breaks within the Chase Auto and Student Loan departments. Managed program deliverables and execution plans related to the SCRA Remediation work stream. Identified project risks and appropriately determined resolution and risk mitigation plans that were implemented in a timely manner. Assisted in leading a team of Non-Exempt employees with a span of control of 60-80 FTE. Resolved and remediated all impacted customers based on Consent Order requirements. Manage controls and risk cases in CCB for The Data Validation (Audit) Team (DVT).Accomplishments:•Innovated 2 comprehensive macro enabled Calculator tools used to calculate SCRA remediation amounts on harmed accounts.•Achieved a 50% reduction in the total remediation exposure amounts due to alignment of project analysis methods.•Developed and evaluated internal communications and audit procedures for improving risk and gap assessments.•Analyzed, reviewed, and assessed QC Audit’s on independent tasks within the SCRA project to mitigate and eliminate Risk.

Led a team of 24 Exempt employees with a span of control of 60-80 FTE. Managed Investor demands - eliminated and/or mitigated monetary losses associated with Investor initiated repurchase demands, compensatory penalties, and make whole transactions for all GSE and Private Investors. Maintained dept. production planning, goal setting, capacity and production forecasting, and ensured Invoice Management is handled according to SIR department and GSE Investor SLA’sAccomplishments:•Improved Compensatory Fee and Repurchase Demand Success Rate from 21% to 40% in 2014. •Achieved a $50 million dollar average fee reduction in 2013, a $75 million dollar fee reduction in 2014 and currently working on 2015 settlements for both FNMA and FHLMC invoice demands as well as Sub Servicer investor demands. •Created, wrote and implemented P & P’s for several department processes including Foreclosure Comp Fee and Non Performing Loan processes, MetLife Notices, Invoice management, and employee performance and engagement processes. •Innovated Macro Enabled Microsoft Excel worksheets, forms, and reports for LOB use. •Successfully designed production, capacity, & audit reports, audit and employee scorecards, NPL and FCF day Calculators, PMC Rating tools, Invoice Templates, FAQ Guides, and MSP Toolkits. •Risk assessment, which involved analyzing risks as well as identifying, describing, estimating and eliminating the risks affecting the Servicing business and implementing servicing compliance on all GSE Major and Private Investor mortgage loans. •Platform Experience: * MS Office, PACER, MSP, LPSD, FCL Attorney, & BK Lending Portals.

Oversaw and led a group of 5 Supervisors with a span of control of 40-50 FTE, Planned, organized, and directed activities for the Short Sale Loss Mitigation Department. Planned and exceeded department production, set goals, completed capacity and production forecasting. Platform Experience: * MS Office, PACER, MSP, LPSD, FCL Attorney, & BK Lending Portals. Accomplishments:•Implemented and delivered Short Sale and DIL initiative production results by 65% within 60 days. •Increased the Firm's revenues by an additional 10% monthly which assisted in preventing additional losses due to the foreclosure crisis by managing the Short Sale and DIL Initiative Programs with an effective right party contact ratio. •Managed call center tasks relative to call quality, FDCPA guidelines, negotiations, and provided action plans to mitigate risk and drive performance with exceptional results each month. •Responsible for driving, collecting and maintaining data analysis reports for monthly MBR meetings with Sr. Management. •Communicated to department staff of any change in policy and procedures, allocated resources, planned work schedules, planned and forecasted production, assigned loan queues to Short Sale mortgage specialists, and managed staffing capacity.

Managed call center team with a span of 10 to 16 FTE - Relationship Managers - CAS Specialists, Solicitors, Loss Mitigators, & Collectors. Secured 3 supervisor positions which held similar responsibilities for mitigating and preventing financial loss by offering retention and non retention options for Chase customers. Achieved all 3 promotions in managing levels of I, II, and III. Accomplishments:•Successfully coached and developed 6 nonexempt employees into leadership roles. •Developed, created, wrote, and implemented Collections, Loss Mitigation P&P manuals, and job aides which assisted in the development of employees and had impactful results for driving quality performance with top producing team awards. •Developed manager tools (e.g. excel charts, performance scorecards, mitigation calculators, etc.). •Provided support and direction to staff on repayment plans, Short Sales initiative programs, Hamp, Champ, & Hope modification programs, DIL processing’s, unemployment forbearance plans, & reinstatement programs. •Implemented and drove call center FDCPA and Lending practices for department quality performance which led to improved QA scores over 90%.

Successfully cured thousands of loans through collections, mortgage servicing, and other loss mitigation recovery activities. Specialized in the restructure of defaulted loans to prevent FCL by offering, underwriting and preparing workout options ranging from Loan Modifications, Forbearances, Repayment Plans, to Short Sales, Pre Foreclosure sales, and Deed in Lieu’ s. Accomplishments:•Successfully managed Chase Asset with high exposure, saving the Firm more than 2 million dollars in the 1st week. •Achieved top collector on the floor 5 months in a row in 2007 collecting over 800k in mortgage pmts. in one single month. •Created, wrote and implemented Collection, Loss Mitigation Modification workflow manuals. •Resolved billing inquiries, Title Issues, Doc. recording issues, tax liens, and escrow issues. •Reviewed Bpo’s/ IBpo’s/ Rmv’s/ Gain losses & NPV values to decision & underwrite loans. •Assisted and provided retention options to Chase customers, handling both inbound and outbound ownership calls for the Collections and Loss Mitigation departments, and negotiated payment arrangements to cure delinquent mortgage accounts.