Teresa Patrick Email & Phone Number

San Antonio, Texas Based Hq. Remote - Clearwater Beach, Fl

The United Services Automobile Association (USAA) is a Fortune 500 diversified financial services group of companies offering banking, investing, and insurance to people and families who serve, or served, in the United States Armed Forces. The USAA Federal Savings Bank division employs 35K+ People to service more than 3M+ Accounts. The Mortgage Servicing of the Bank services 280K+ Mortgages.• Overseeing all activities of Sub-Servicer, across several lines of defense, and reporting directly to Head of Servicing, while Managing a staff of 10+• Leading the reorganization and management of Investor Reporting and Investor Custodial Accounting functions, not performed by Subservicer • Developing and implementing process improvement solutions and remediation of errors and issues when findings occur• Directing Bulk and Flow Mortgage Service Release Activities • Conducting Internal and External Audits and OCC / MRA related deliverables. • Adhering and Executing Serving Risk & Controls and Quality Control Assessment Criteria• Setting and managing all KPI/KRI Metrics for Department • Joined USAA as a third-party consultant with Consolidated Analytics in June of 2019 in San Antonio, Texas, and was hired directly in December 2019

Carrollton, Texas

Top 10 - Mortgage Financial services with over 5,000 employees through the United States. Funded in excess of $50 billion loans since inception.• Brought on as part of senior leadership team to stand-up servicing platform.• Oversaw Servicers

Tulsa, Oklahoma

Financial services holding company with over 4,800 employees and operations in ten states. Roots forming back in 1910, with diversified revenue base. Mortgage servicing portfolio of approximately 150,000 loans. • Lead team of 11• Acquired Collateral Management Team• Implemented processes and controls to increase efficiencies and mitigate risks

Mount Laurel, Nj

PHH Mortgage Corporation is 5th largest retail residential originator of mortgages, averaging a portfolio of 1.1mm loans. * Joined as Management Consultant and converted to permanent Director of Cash Management & Special Loan's Department * Initially managed staff of over 50fte, 8 direct reports Re-engineered department & related processes - resulting in reduction of 8fte within 12 months* Guided projects associated with Invoice Management - resulting in savings in excess of $2mm

* Provide management guidance and expertise to management and colleagues related to Cash Management, Corporate Advance, Bank Reconciliations and Investor Loan Accounting with relational processes to general ledger activities.* Execution o BRD (business review specification document), and UAT testing for several projects, such as: Charge Off Database, Automation of Loan Transfers and corresponding general ledger entries, and or Customer Billing Statement and Corporate Advance Logic Project* Successful completion of Corporate Advance Reversal & Re-Class initiative* Provide guidance, risk & control expertise for stand-up of Governance Quality Assurance Department

Dallas/Fort Worth Area

Pacific Union Financial, LLC is a start- up full range mortgage servicing organization founded in 2013 from $400K to $17B (UPB) in balances to become leader in U.S. FHA servicing.As Vice-President, Cash Management responsible for initializing and launching this full start up Cash Management servicing organization. Oversee and collaborate with cashiering, payoffs’, investor reporting, bank reconciliation’s, and invoice management departments. Manage investor reporting of GNMA, FNMA and FHLMC portfolios. Assist and support Insuring and Default Claims as on-boarding servicing.• Lead and train team of 25–50 while mentoring team members for promotion within the organization. • Strengthen key and strategic client relationships while analyzing program performance metrics to improve efficiency and cost-savings.• Initialized MSP system in 60 days for cashier and investor reporting.• Developed over 100 processes• Implemented Invoice Management system.

Dallas/Fort Worth Area

Nationstar Mortgage LLC (NYSE:NSM) is a publicly traded top 5 mortgage loan servicers in the US with portfolio in excess of $375B in (UPB) balances and $2M loans in 2013. Offering servicing, origination, and real estate services to financial institutions and consumers. Nationstar’s integrated loan origination business mitigates servicing portfolio run-off and improves credit performance for loan investors.As Vice President, VP of Account Services & Cash Management responsible for growing and leading department to expand to 70 FTE, 7 managers and over 20 offshore employees to enable company to triple in size. Oversaw Cash Management for prime and sub-prime portfolios and Accounts Payable processes for manual default servicing invoices. Implemented the first intra-department regulatory and compliance program for Cash Management. Established departments first staffing models, productivity reporting and metric reporting• Held Cash Management Due Diligence for ALS loan acquisition of $65B or 300K in loans.• Developed and implemented new processes saving over 5 FTE.• Increased Cash Management BOA over $1M loans by successfully on-boarding new acquisitions. • Increased efficiencies by off-shoring over 20 processes.• Refined processes and procedures to ensure compliance with Attorney General, Sarbanes-Oxley, CFPB, RegAB, Dodd/Frank and Investor requirements.• Collaborated closely with Project Management and IT to initiate Payoff Quote Implementation, Centralize Disbursement processes to create ACH transactions versus manual checks, check flow repository and auto cash settlement processes.

Dallas/Fort Worth Area

MetLife Home Loans is a division of MetLife Bank, N.A. and is one of the nation's top mortgage originators and mortgage servicing companies. First Horizon arranged to service existing loans with MetLife in 2008. In July 2011, Metlife transferred the servicing of these loans to Nationstar Mortgage, LLC. Metlife brand is recognized and trusted by approximately 100 million customers worldwide and they serve 95 of top 100 FORTUNE 500® companies in the United States. As VP, Vice President, First Horizon Home Loans and then Manager, MetLife Home Loans responsible for mentoring and managing talented and diverse department of 20 in all areas related to the Cash Management division, including: loan corrections, research and system adjustments, on-line bill payments services, Western Union processes, ACH processes, suspense monitoring and processing, claims processing for foreclosure, short payoff and third-party funds, metric reporting, payment processing, and IT-related system upgrades and enhancements.• Developed Quality Control Audit and Sox Compliance Templates for the Cash Management division.• Migrated all processes, procedures and systems during acquisition conversion from First Horizon to MetLife.• Collaborated and led Implementation Team to convert enterprise to new Lockbox and guide conversion from one banking institution to another.

Dallas/Fort Worth Area

Mortgage bank subsidiary of Bear Stearns Companies, Inc. specializing in sub-prime servicing, ending In excess of $80B in balances / 600K loans. Subsequently purchased by JP Morgan-Chase (NYSE: JPM), a leading global financial services firm with assets of $2.4 trillion and operations worldwide. Chase serves more than 50 million consumers and four million small businesses.As Vice President of Financial Management and Loan Servicing served as an Integral part of the start-up and development of EMC Mortgage that grew to be a top servicer in the industry. Held various management positions over 15-year tenure including leading the planning, staffing, budgeting and technology decisions, along with the day-to-day operations of multiple areas within the organization. Managed and built out of Cash Management, Accounts Payable in Loan Administration Servicing Department. Managed Post Transfer Reconciliation Department.• Started with company at 10K loans growing to over 600K loans.• Built sustainable processes and infrastructure for the growth of EMC.• Mentored and managed teams of 5 to 50 FTE.• Managed, developed and implemented processes for the build out of the Cash Management and Accounts Payable departments within the Loan Administration Servicing division.• Implemented successful backlog projects.• Hired and developed over 60 FTE.• Managed Business Operations Solutions, a process improvement-focused department• Developed staff skills and managed operations for Corporate Accounting General Ledger and Custodial Bank Reconciliations• Developed and implemented infrastructure for Loans Serviced By Others (LSBO) to staff of over 40 FTE. • Implemented Offshoring processes and established relationships for LSBO area.• Developed multiple IT Scripts and automated system enhancements: “quick-win” LPS system scripts, check log automation, Maxmilion rules engine / In-house Lockbox system, Check Log Automation and ACH conversions.