Tamara Gray Email & Phone Number

Dallas, Tx, Us

Dallas, Tx, Us

New York, New York, Us

Compliance Assurance Manager (S.V.P) for reviews of consumer mortgage servicing processes. Managed a team of seven reviewers that conducted ongoing testing and point in time audits to validate adherence with federal regulatory compliance requirements and internal policies/standards.• Managed team to ensure timely testing and delivery of the final product to Citi Executives and Stakeholders• Provided direction, guidance and training to team to ensure in-depth and risk-focused reviews • Participated and led discussions, escalation and resolution of Compliance matters• Identified and reported trends, significant matters and compliance issue to Executive management• Liaised with partners in Compliance, Legal, Corporate Internal Audit and other functions, as appropriate, during reviews• Made recommendations to improve controls and systems• Composed formal Final Reports for distribution to executive management and business stakeholders• Reviewed and approved all Workpapers• Assisted manager (Director) with other compliance initiatives, as needed

Charlotte, Nc, Us

Sr Audit Supervisor (V.P.) for North America Commercial Lending and Mortgage Servicing internal audits. Led audits covering the Commercial Leasing business, Home Loans Servicing Call Centers, Property Insurance claims, Valuations/Credit/Flood and Title services functions, and Customer Relationship Advocacy unit. Completed the audit planning walk-throughs and activities, developed and composed the audit test steps, managed and mentored a team of auditors, acted as the primary liaison with the Business, issued formal Findings and helped to compose the Final Audit Report.

New York, New York, Us

Sr Audit Manager (S.V.P.) for North America CitiMortgage, Inc. Prime / Non-Prime and Citicorp Trust Bank Mortgage Default Processing functions, with responsibility for testing adherence to the federal regulatory and operational aspects of Bankruptcy, Foreclosure, REO, Equity Analysis, Default Fraud, Litigation, Insurance Claims (hazard & PMI/MIP) & Vendor oversight. Led multiple reviews and was responsible for identifying the key risks of the mortgage default servicing business, budgeting, composing the audit script and test steps for all reviewers, managing the team of auditors, acting as the primary liaison with the Business, issuing formal written Findings and composing the Final Audit Report that was delivered to the Board of Directors and Sr Management of Citigroup.Previously was Lead Reviewer for all Mortgage Originations functions, including Sales, Processing, Credit Underwriting, Appraisal review, Closing/Funding, Curative, Fraud Review, Information Security, Vendor Monitoring and testing Regulatory Compliance with Federal and State laws (RESPA, TILA, USA Patriot Act, HMDA, FACTA, Texas Home Equity rules, etc.). Lead Reviewer for the 2008 & 2009 Regulation Z Consumer Lending North America audits for all product lines (Mortgage/Cards/Student Loans/Retail Bank/Commercial Bank/Branch Network/Automobile businesses).Also responsible for assisting other ARR Lead Reviewers with Business Monitoring & Cycled Audits in the Risk Management, Mortgage Performing Servicing & Collections/Loss Mitigation entities, including auditing processes for the reporting of risk management exceptions, collateral review, monitoring escrowed and non-escrowed loans for the adequacy of insurance & payment of real estate taxes & hazard/flood insurance and collections / loss mitigation processes & strategies.

Greenwich, Ct, Us

Mortgage Originations – Conventional underwriting for 1-4 single family residential first lien and second lien mortgage loans to Fannie Mae and Investor guidelines. Project Manager for Univest Financial Services/CS First Boston involving a full credit underwrite, fraud review and regulatory compliance review at Preferred Credit Corporation from December 1997 through July 1998 in Irvine, California. Responsible for training and management of staff (up to 20), acting as liaison to Wall Street client and on site mortgage lender, weekly reporting, maintaining a database of over 6,000 loans and performing quality control.Mortgage Servicing – Distressed asset reviews and title reviews for 1-4 single family residential loans. Knowledgeable of foreclosure and bankruptcy documents and procedures. Served as Project Manager for an on-site evaluation of the servicing organization involved with Preferred Credit Corporation to review non-performing loans and evaluate the performance of the servicer.Mortgage Due Diligence – Performing and Non-Performing review and delivery of seasoned and unseasoned 1-4 single family residential loans, including both Sub-prime and Prime paper; full credit underwrite for unseasoned loans. Served as on-site Project Manager for several deals with Univest Financial Services, Inc., that included management of staff, regular updates to clients, quality control and formal report writing.Mortgage Regulatory Compliance – conducted in depth compliance reviews, including HMDA, RESPA, Regulation Z APR and Finance charge re-calculations, HOEPA, Texas Home Equity compliance reviews, etc.