Responsible for maintaining the company’s compliance functions with a focus on regulatory, licensing and examinations. Primarily responsible for identifying areas of risk and developing and executing plans to minimize that risk, while ensuring company operations are being conducted in accordance with all applicable laws and guidelines while ensuring licensing requirements are met, reports are filed accurately on a timely basis, and acting as a primary contact for regulatory and agency examinations.

Responsible for maintaining good standing with government regulators and secondary market investors, by ensuring compliance with all federal and state laws and regulations, investor guidelines, and company policies and procedures. Serving as the Information Security Officer.Primary contact for regulatory and agency examinations; prepares document requests, drafts examination responses, implemented examination and corrective action tracking system with post examination testing to ensure compliance. Coordinated quality control (QC) process (in-house pre-funding and outsourced post-closing), overseeing staff which conduct reviews, validate or dispute review results and prepares monthly summary reports for management. Established a monthly Compliance Committee, serving as the Compliance Committee Chair in which examinations, monthly QC reports, regulatory updates and emerging risk topics are discussed and pertinent information is distributed to management ensuring affected operations are modified to address risk. Ensured company and loan officer licensing requirements are met and monitor insurance policies, including annual and periodic limit review. Streamlined quarterly Mortgage Call Report process, reducing production time by approximately 75% including implementation of data integrity testing. Filed accurate and timely state and regulatory monthly, quarterly and annual reports. Enhanced HMDA process by implementing quarterly edit check review and submittal, ensuring error free data prior to annual filing and leveraging the data for Community Reinvestment Act (CRA) and Fair Lending analysis. Oversees company-wide Policy and Procedures, performing a second level review and approval

Participated in a shared resource role for cross enterprise audit functions of operations, lending/financial, regulatory, and technology; conducted full scope and project audits executing diverse test subject matter. Developed audit reports and recommendations to improve internal control processes which were reported to executive management. Participated in issue validation and corrective action testing. Developed the standard documentation method for automatic business control testing. Acted as the subject matter expert contact for business continuity planning review and Excel usage. Led initiative to establish standard audit program and common regulation test work guidance for new hire/training use.

Performed high level review audits of executive leadership expense reporting adhering to Regulations. Implemented follow-up procedures by reviewing, closing and documenting audit actions requested. Conducted full scope audits reconciling American Express corporate cards to determine and approve due credit balances. Automated credit refund management validation and processing, improving check issuance time response by 80% through Access and Excel database systems tracking. Developed Access database and query process to retrieve data needed to allocate refund deposits 90% faster. Audited reports to detect duplicate expenses and retrieve monies back.