Tammy Pratt Email & Phone Number

Texas, United States

Texas, United States

• Lead Sage as Founder, offering transformative mind-body work, employee engagement and development, corporate wellness, consulting, courses, and private coaching.• Specialize in integrating healing, health, money, and relationships to empower individuals.• Facilitating integrative transformation, motivation, and empowerment for clients.• Versatile speaker for keynotes, workshops, virtual events, and panel discussions.• Marketing, business development, bookkeeping, business planning, business management, coaching, teaching and mentoring.

Charlotte, Nc, Us

Accomplish process quality testing for procedure and media content writers, escalated and complex transactions, and Regulation Z, Military Lending Act (MLA), and for various products to include deposit, unsecured and asset secured lending, credit card, small business, and military lending productsValidate key risks, gaps, and exception cases for solutions and documentation in system of recordDigital Transformation Lead Identification of automated process testing opportunities Create training programs to improve business case writing, soft skills and mindset programs, and process quality testing

Charlotte, Nc, Us

Business Control, Exam Management for Life & Specialty ServicingStakeholder management, including tracking, reporting and monitoring effectiveness of key controls as well as status of Audits, Exams, mitigation and action plans for stakeholdersAssist in ensuring the group is in compliance with applicable regulation, laws, internal and external policiesAssess and identify the key risks and control issues within the division; determine financial, reputational, customer and regulatory impactsEnsure risks in business processes are properly identified, measured and managedInform and drive action steps and accountability for operational risk to managementManage remediation efforts required from Matters Requiring Attention (MRAs) issued by the regulating entity or audit issues found by investor auditors and corporate auditAudit and Exam support for Regulatory exams, Making Home Affordable Compliance (MHA-C), Government Sponsored Enterprises (GSEs), Rating Agencies, State Exams, Corporate Audits and Investor AuditsPartner closely with Risk Management, Compliance, Legal, Governance & Control, as well as Corporate Audit to mitigate risk

Charlotte, Nc, Us

Business Control, Exam Management for Loan Servicing & Support OperationsTracking, reporting and monitoring effectiveness of key controls as well as status of Audits, Exams, mitigation and action plansAssist in ensuring Loan Servicing and Support Operations is in compliance with applicable regulation, laws, internal and external policiesAssess and identify the key risks and control issues within the division; determine financial, reputational, customer and regulatory impactsExecute the Self Identified Audit Issue (SIAI) to address risks as they occur to minimize metirc of issues found through the Audit or Exam processEnsure risks in business processes are properly identified, measured and managedInform and drive action steps and accountability for operational risk to managementManage remediation efforts required from Matters Requiring Attention (MRAs) issued by the redulating entity or audit issues found by investor auditors and corporate auditAudit and Exam support for Regulators, Making Home Affordable Compliance (MHA-C), Government Sponsored Enterprises (GSEs), Rating Agencies, State Exams, Corporate Audits and Investor AuditsPartner closely with Servicing Risk Management, Governance & Control, as well as Corporate Audit to mitigate risk

Charlotte, Nc, Us

Managed Quality Assurance and Quality Control audit programs for Portfolio Communications, a service delivery provider of Mortgage Monthly Statements, Customer Communications and Year End Tax ReportingFinancial statement auditManaged statement exception transaction testing and research teamManaged Quality TeamsCompliance and audit consulting to ensure audit readinessProject consulting and management; suggesting improvements for key control weaknessesProject consulting and management examples:oManaged wide-scale projects including: Privacy Policy distribution to eligible Home Loans portfolio, including electronic methods; Affiliate Marketing Notice distribution to eligible Home Loans portfolio, including electronic methods, 2008 – 2011oWorkflow Tools for Quality Assurance/ Project Testing and Quality Control Workflow, incorporating SharePoint capabilities to provide KPI Measurement at a glance for on demand performance statusoManaged Quality Assurance testing for various projects including: Customer Day One communication projects, Systems Day One, Year End Statement IRS Reporting (2009 – 2011), Paragraphs V and VII of the Federal Trade Commission (FTC) Order Projects and small enhancement changes on a monthly basisManaged process improvementsWorkforce planning, analytics and recruitingMonitored key performance indicators and standardsWrote policy manuals, guidelines, training manuals and standardsRelationship ManagementCareer path mentorshipAchievements:oSilver Award – May 2012oQuality Manager to Assistant Vice President promotion – August 2011oTeam Manager to Quality Manager promotion – April 2010oGold Award – December 2010oPlatinum Award – August 2010

Charlotte, Nc, Us

Department Compliance Officer, GLBA and Regulation P subject matter expert for Portfolio Communications, a service delivery provider of Mortgage Monthly Statements, Customer Communications and Year End Tax ReportingDepartmental Privacy OfficerResearch privacy incidentsDepartmental Policy and Procedure SpecialistTracked and vetted compliance issuesTracked, monitored and reported control effectivenessProject consulting and management; suggested improvements for key control weaknessesoManaged wide-scale projects including: Privacy Policy distribution to eligible Home Loans portfolio, including electronic methods; Affiliate Marketing Notice distribution to eligible Home Loans portfolio, including electronic methods, 2008 – 2011oConsulted in CORAD to MS-IRT (compliance and business controls web matrix application) conversion projectManaged Knowledge Builder (web based training application) to Loan Admin Survey Application conversion projectCompliance and Audit Consulting and Liaison Training Development: developed various types of training manuals, virtual training, instructor-led (virtual and in-person) training for federal and state mandated compliance and company policies and proceduresDeveloping, maintaining and tracking departmental policies and proceduresCompliance, privacy breach and litigation case research for compliance, Corporate Audit and company attorneysSharePoint development and administration; including tools to improve communication, tracking, monitoring and reporting efficiencyAchievements:oCompliance/ Communications Specialist to Team Manager promotion – May 2009oSTAR Associate – July 2009oAssociate of the Month – May 2008; June 2008

Charlotte, Nc, Us

Managed a sales pipeline of 20+ loans from application to funding (ranging from sub-prime to prime, refinance, purchase and fast close refinance loan types)Reviewed mortgage loan applications for completeness and approvalProcess Quality Control reviews completed to ensure adherence to program guidelines, state specific regulations and compliance standards were metResearched loan issues and audit exceptions for escalation and remediationUnderwriting and Funding LiaisonTrained new associates, onboarding trainerRelationship ManagementCoordinated with third party companies to fulfill credit, underwriting and funding conditionsEnsured state specific certifications are currentAnalyzed and monitored key performance indicatorsAchievements:o Top Performer – May, June and July 2007

San Angelo, Tx, Us

Supported Office of the Dean of Accounting, Economics and FinanceMaintained supplies and equipment by completing preventive maintenance; troubleshooting failuresExam scoring/ grading for ProfessorsData entry - exam scoring, new student informationDistributed communications

HIPAA Health Insurance Portability and Accountability Act Compliance Privacy Project - Implemented office Health Insurance Portability and Accountability Act (HIPAA) compliance proceduresHIPAA subject matter expert and customer privacy ambassadorMedical billing Research on denied claims/ correspondenceReconciling and reporting income trends/ claim earnings Networked to develop new clientele and sold durable medical equipment (DME) and oxygen servicesBudgetingAccounts payable and receiveableMedical equipment delivery (in home, skilled nursing and rehabilitation facilities and hospitals)Client instruction on medical equipmentMoved to pursue college education

Performed serving, sales, hosting and cashier activities before promotion to assistant manager in 2002Managed a team of waiters, hostesses, cooks, expediters and cashiersMotivated and incentivized sales teamCoached employees for improved performance Managed schedulingDaily reporting and reconciliation of cash and financial accounts

Bachelor Of Science (B.S.), Business, Management, Marketing, And Related Support Services

Education record

Education record

Hs Diploma