Michael Ha Email & Phone Number

Dallas, Texas, United States

Dallas/Fort Worth Area

• Led the horizontal analysis, at a top-5 global bank, across various enterprise risk hierarchies to prepare the bank for OCC examination. Analyzed requirements against procedures to identify potential procedural gaps; conducted evidence review to identify potential process gaps.• Led discovery efforts at a multi-national bank for the mortgage origination and servicing line of businesses to determine process automation feasibility. Developed and implemented program management activities.• Led efforts at a top-5 global bank in reviewing and assessing internal testing processes for automation opportunities. Areas of expertise include collections and default servicing, bankruptcy, auto finance, mortgage, credit card operations and compliance testing.• Managed team of consultants to support testing efforts at a regional bank on mortgage loans originated after the CFPB TRID rule implementation. • Supported Overall Project Management Office at a super-regional bank and financial services corporation in preparing their efforts to respond to the CFPB mandated TILA/RESPA Integrated Disclosures (TRID) Rule. • Executed policies and procedures gap identification & remediation for consumer banking regulations. Led procedure mapping activities across several hundred US federal regulations, ensuring that business had sufficient controls in place to comply with all legal and regulatory requirements. Businesses covered include mortgage, consumer wealth management and business banking, shared services and ancillary support functions.

Plano, Texas

Assisted high profile client in recovering and invoicing over $5 million of unrecognized revenueAudited work site and presented project inefficiencies and OSHA discrepancies to the Chief Operations Officer

Dallas/Fort Worth Area

• Facilitated training of new business processes to service 1st mortgage bankruptcy accounts from high profile client • Audited new client bankruptcy portfolios for areas of improvement and compliance, then presented client benefits to the Senior Vice President• Developed a new process work flow to streamline the methodology in evaluating possible litigation for 2nd mortgage liens• Managed and monitored bankruptcy portfolios for multiple financial institutions• Drafted legal claims for clients to mitigate losses• Audit client portfolios to ensure bankruptcy laws are complied with and adhered to.• Analyze court documents to ensure proper and fair valuation of collateral or property through bankruptcy

Dallas/Fort Worth Area

• Assisted in development of internal database to track and maintain new bankruptcy laws for each jurisdiction of all 50 states• Defined and implemented Subject Matter Expert roles within the department to realign responsibilities and assist in bridging the communication channel between associates and team leads.• Collaborated with other functional areas within the National Service Center to develop a system to help route customer inquiries to the correct correspondence• Created and developed training schedules for new associates• Trained and coached associates for career growth

Dallas/Fort Worth Area

• Assessed the exponential growth of bankruptcy filings and recommended solutions for management to meet time-sensitive deadlines• Developed new operational processes for drafting and filing Chapter 13 Proof of Claims and Chapter 7 Reaffirmation Agreements• Provided support to customers who are first time bankruptcy filers.• Managed the bankruptcy portfolio through multiple account servicing systems.• Developed new work flows to help reduce office expenses and improve employee efficiency