Stacy Friedman Email & Phone Number

Chicago, Illinois, United States

Greensboro, North Carolina, United States

• Function as a valuable member of the Compliance Second Line of Defense and work closely with my team.• Complete loan level testing involving the areas of: FDPA, ECOA, FCRA and TILA. Document findings in company workbooks and retain workpapers from testing.• Prepare and execute Corporate Compliance requests for First Line of Defense response and Line of Business response, which involve requests for testing procedures, loan data and walkthroughs of Line of Business procedures. Complete compliance testing based on documentation received and other testing areas identified by Corporate Compliance not reviewed by the First Line of Defense. Provide findings to and review responses from First Line of Defense and Line of Business.• Build and manage relationships with Mortgage Division First Line of Defense and other First Lines of Defense within the bank.• Regular use of Excel, multiple Loan Operating Systems and document repositories. Additional use of Temenos, HUB and VendorInsight.• Report testing results monthly, quarterly or yearly, depending on frequency and testing scheduling to Compliance Officers in the Second Line of Defense and First Line of Defense teams.• Work with Lines of Business to complete remediation and additional training for employees as necessary to address issues as needed. Identify systemic issues if they exist and put in place measures to stop any such issues.• Maintain working knowledge of other regulations not included in quarterly testing.• Stay updated on regulatory changes within the Compliance areas, including reviewing updates from Compliance sources like American Bankers Association and others.

• Function as an essential member in the Compliance First Line of Defense for the Mortgage Administration team.• Complete loan level testing involving the areas of: FDPA, ECOA, HMDA, FCRA, RESPA, MLA, FPI and Transfer of Servicing. Document findings in company workbooks and retain workpapers from testing.• Serve as a subject matter expert on residential flood insurance, both NFIP and private policies• Regular use of Excel, Loan Operating System and document repository.• Report testing results monthly or quarterly, depending on frequency, to Lines of Business and Second Line of Defense.• Work with Lines of Business to complete remediation and additional training for employees as necessary to address issues as needed. Identify systemic issues if they exist and put in place measures to stop any such issues.• Review application rollback requests under TRID. Report analysis and decision to Line of Business and approve rollback of applications if applicable and document the review.• Review and update mortgage procedures as necessary to maintain ongoing compliance with current regulations.• Address employee compliance questions prior to loan origination.• Maintain working knowledge of other regulations not included in monthly or quarterly testing.• Gather documentation of testing procedures and loans reviewed in response to audit requests from the Second Line of Defense.

• Prepare assessment data for attorney review to determine whether to appeal property tax assessments. This includes data entry in internal systems and use of Excel.• Review documentation on file and request additional documentation as necessary from clients.• Calendar and manage numerous strict deadlines for filing and work product completion.• Draft and file assessment complaints with a working knowledge of the assessment appeal process at multiple levels in different counties and states.

• Prepare accounts for legal action including reviews of mortgages, notes, credit agreements, loan origination documents and collections histories.• Maintain a complete file of case proceedings including all correspondence and filed documents.• Review legal filings as necessary in pending court cases, including complaints, counterclaims, answers, motions for judgment, discovery documents, affidavits and other pleadings.• Appear as a witness on behalf of the company in court; attend settlement conferences, mediations and arbitration hearings.• Negotiate settlements on litigated files based on reviews of the litigation itself, financial situation of the defendant and company policies.• Extensive experience in the discovery process which includes reviewing discovery requests for appropriate responses, preparing discovery responses, gathering necessary responsive documents and providing to attorney for the purpose of document production.• Review invoices for attorney fees and costs and approve for payment.• Maintain detailed knowledge of pertinent foreclosure and collections laws including the Fair Debt Collections Practices Act and relevant case law in multiple states to ensure compliance with state and national requirements.• Maintain a case load of over 500 files.• Maintain a working relationship with attorneys in 27 different states.

• Coordinate with process service company to ensure service of foreclosure summons and complaint.• Utilize case management system to update and synchronize correspondence, contact information and case history• Use online resources to obtain detailed defendant information.• Use internal billing system to requisition checks for filing fees.• Proficiency in drafting legal documents including publications and alias summons.• Work closely with attorneys to determine sufficiency of service.