Sharon Sanchez Email & Phone Number

West Des Moines, Ia, Us

Tampa, Florida, Us

Directly supporting the Vice President of Risk & Compliance to ensure the company operates within compliance of statewide, national and federal rules and regulations.Communicate with colleagues how to interpret and implement state and federal regulations (ex: GLBA, FDCPA, Information Security, etc.).Review, prepare and complete internal and external audit requests, including navigating through any findings and ensuring completion of required remediation. Review and consult on updates to company-wide policies, controls and procedures. Ensure compliance of professional licensing for all divisions of the company.Review complaints and analyze risk from court related disputes over services provided. Act as liaison between process server and our clients to ensure correct steps were taken to effectuate service.

San Francisco, California, Us

Audit high risk complaints to ensure compliance with federal regulatory requirements including, but not limited.to: Regulations D, E, CC, DD, Z, UDAAP, GLBA, SCRA, FCRA, FDCPA.Within strict deadlines, perform ongoing compliance testing and reporting on adherence to compliance program and federal/state regulatory requirements.Working on projects for operational risk support, to test programs ensuring it corresponds to the procedures.Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements.Partner with the Executive Office and other stakeholders to identify risk and recommend opportunities for process improvement.Ensuring necessary Assessments are tracked to completion & risk awareness acceptance and escalation steps are taken.Challenge internal service partners and lines of business to ensure appropriate execution within and across business and risk areasSelected as Mentor to new-hire consultants for second level review (SLR) process and ensures communications.and procedures are consistent.

San Francisco, California, Us

Completed second level review of high-risk complaints within WFMS Executive Office to identify gaps and training opportunitiesCollaborate with senior business risk managers and key stakeholders to validate risk appetite & toleranceIdentified trends, issues, and tracked key performance and risk indicatorsCreated and implemented new-hire training program for the Executive Office- to include providing coaching and feedback to new hiresProvided clear and concise documentation with heavy emphasis on determining root causeSME with high-risk complaints, frequently communicating complex information within all levels of WFMS (including senior leadership) and our third-party vendors

San Francisco, California, Us

Researched and responded to 40-60 Executive Office complaints per monthWorked with Compliance, Risk and Legal to determine proper course of actionWorked with Sales Conduct Oversight to address indications of improper sales practices (including UDAAP, Sales Tactics, Ethics)Communicated recommendations to correct deficiencies, resulting in the reduction of complaints by 20-30%Independently managed caseload and met deadlines while adhering to service levels 98% of the time

Certified Professional Collections Specialist- ACA International (Association of Credit and Collection Professionals)Reviewed 200+ cases for pre-suit and post-suit debt collectionsInitiated negotiations with consumers and attorneys, thereby reducing cases within the court system by 25%Required compliance with the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA)

San Francisco, California, Us

Reviewed 100+ delinquent mortgage cases in the Legal Remedies department to determine placement withoutside attorney's officeProofread and researching affidavits, reducing the number of return cases by 40-50%Made witness arrangements for court appearancesAppeared in mediationWorked with client and attorney regarding payment plans, settlement offers, etc.

San Francisco, California, Us

Coordinated workflow for 15-17 team members within the home equity Offset DepartmentReviewed delinquent home equity accounts to determine if account meets federal/state guidelines for thepurpose of offsetWorked directly with Compliance Department and senior leadership with the goal of meeting audit requirements100% of the time