Sandra Picard, Cfe, Cor Level 3,Fac P-Pm Email & Phone Number

Washington D.C.

Annapolis, Md

Develop and manage direct reports by discussing weekly game plan and providing feedback. Drive Front End Standards and validate cashier observations.Independently delegate and assign tasks to direct reports. Drive sales and the customer experience.

Orange Park, Florida

• Interview prospective parents and students to determine if the school is the proper educational facility for the student. • Conduct research into applicable scholarships for prospective and enrolled students on a variety of governmental websites. Track enrolled students’ scholarship funding through governmental websites to obtain the most beneficial funds available.• Manage outbound communications with parents during the enrollment process and other administrative general office duties and projects as assigned.

Jacksonville, Florida

• Planned and conducted compliance tests of business processes to assess the effectiveness of controls to comply with federal and state regulatory requirements including but not limited to FDPA (Flood Disasters Protection Act), FDCPA (Fair Debt Collection Practices Act), TCPA (Telephone Consumer Protection Act), RESPA, Sworn Documents, Loss Mitigation and Bankruptcy based upon JPMorgan Chase's compliance monitoring and testing guidelines.• Worked closely with business, legal, risk, and audit functions to provide expertise on regulatory compliance matters, assess and measure compliance and related risks, and monitor and test the adequacy of the firm's compliance control environment. Work in partnership with the lines of business and the Testing Compliance Manager to help manage compliance risk for Mortgage Banking Production, Servicing and/or Default by conducting compliance testing. Based on the results from the testing activities, develop final reports based upon the results of testing; develop action plans in conjunction with the business in order to address any control issues identified.

Jacksonville, Florida Area

• Worked as an accomplished member of the Contract Repudiation Unit with assets in excess of $3 billion and 1500 contracts. Created 140 cases briefings for contract repudiation, minimizing damages paid out on the balance of a contract or claims resulting in the termination of $15.9M in assets while working closely with senior personnel, attorneys, and other regulatory agencies including the presentation of the repudiation and asset cases to Credit Review Committee and Senior Management Oversight Committee for final approval and disposition.• Routinely managed multiple receiverships simultaneously and oversee contract and lease repudiations and terminations, correspondent lending asset loan portfolios, loan purchase and sale agreements including quality assurance of multiple data sets while serving as technical monitor. • Successfully managed the collection of pre-paid insurance premiums in excess of $500,000.00 and over $10 million in Bank Owned Life Insurance and completed the reconciliation of over 1,500 contracts for three large financial institutions with $20.5 billion in assets, which resulted in a STAR award in 2012 for outstanding performance in managing and liquidating the outstanding assets. • Researched, analyzed, interpreted financial regulations, laws, practices or procedures, organized and developed administrative policy, training manuals and credit review reporting standards during the initial set up of the East Coast Temporary Satellite Office resulting in a Mission Achievement Award.• Working with management, and using excel, developed the employee tracking spreadsheets that allows users to enter data into various formats as well as manipulation of data in existing spreadsheets from outside sources. Created master tracking spreadsheets for utilization by senior management in the following areas: Case Management, and asset management guidance. Created the Branch Manager Training which became the site certification for Branch Managers.

Jacksonville, Florida Area

• Established Quality Assurance/Compliance Program for distressed asset portfolio refinance project. Developed a Quality control plan for meeting Fair Lending requirements, including compliance with RESPA, TILA, HMDA, ECOA, FACT ACT and Patriot Act lending regulations. • Responsible for the recruitment, staffing, mentoring, training and coaching of 10 Quality Assurance analysts. Prepared employee goals and objectives in accordance with performance management guidelines. • Analyzed data and provided feedback to senior level managers on accuracy of loan applications and meeting of compliance standards. Served as branch liaison with corporate compliance. Communicated legal, regulatory or technical financial subjects to senior management through both oral presentations and written reports.

Jacksonville, Florida Area

•Directed and managed the Operational Risk Vendor Assessment Team of 10 auditors performing daily, weekly and monthly data monitoring from outsource vendors resulting in reaching the corporate goals of 98% accuracy. Designed and initiated quality audit plans for Business Process Outsourcing including delivery of monthly data summaries, trends and root cause feedback to improve the customer experience. Enhanced data integrity process through improved data segmentation, analysis and summary reporting to identify insufficiencies and provide recommendations to Management. Analyzed business processes practices and systems to identify the need for increased monitoring and control. •Project team member and business line team member for the design and development of database specifications for both front end and backend processing systems. Designed, tested, and deployed functional tracking databases for delivery of contract vendor quality results.•Project team lead for the transition of the Lombard, Illinois Centralized Receiving area to Jacksonville FL. Designed, built and expanded Centralized Receiving Team for Post-Closing Operations. Established department goals and standards. Managed, coached, mentored, developed and ensured performance of 4 direct reports and 25 staff. Designed performance productivity and quality metrics for loan review, collateral review and purchase of loan assets which increased the overall effectiveness, production and quality standards by 95%. •Reviewed portfolios of loan files for accuracy, completeness and compliance for loan purchase. Processed loan certifications for CRA/Bond programs with the Rhode Island Housing Authority, Massachusetts Housing Authorities and local Housing Agencies. Processed closing and funding documents for Conventional, FHA and VA loans. Prepared FHA and VA loan submission. Familiar with all aspect of loan funding and compliance including; Reg Z, HMDA, GFE, and RESPA.

Willow Grove, Pa

Associate Of Arts And Sciences (A.A.S.), Legal Assistant/Paralegal

Education record