Tonya Brown Email and Phone Number

Educates and consults with clients and prospective clients to assess insurance needs, budget and financial planning goals.Develops and calculates suitable plans based on clients' needs.Expands business reach through networking techniques.Comply with insurance standards and regulations.

Maintained a high level of awareness and knowledge of regulatory compliance requirements and collaborated with more senior compliance professionals in the development of procedures, training and reference materials, system and manual processes, and provided support for research of regulatory requirements, leading to a 30% increase in operational efficiency.Demonstrated excellent Stakeholder management skills that included communication, relationship management, conflict resolution, strategic thinking, problem-solving and risk management.Exhibited flexibility and the ability to prioritize tasks with competing deadlines.Managed, coached, and monitored a team of six, improving team performance by 15%.Oversaw compliance data extraction and analytics, ensuring timely and accurate submissions.ECOA – Managed the processing of adverse action notices & documentation, ensured transparent communication and adherence to the Equal Credit Opportunity Act guidelines.HMDA (Home Mortgage Disclosure Act) – Conducted and trained team to regularly & systematically validate HMDA data and check accuracy to support regulatory reporting and compliance, resulting in zero re-filings of the Home Mortgage Disclosure Act Loan Application Registry (HMDA LAR).Managed credit inquiry disputes and investigated & managed formal consumer complaints, escalating to senior compliance professionals or Legal when necessary.

Performed quarterly HMDA audits of loan data.Prepared complete and accurate data to be recorded on the HMDA LAR. Independently reviewed the HMDA data and certified the accuracy of the data submitted to the institution's governing agency.Facilitated loan reviews and correspondence with Quality Control vendors, maintaining high standards.Ensured that the dispositioning of files was completed in a compliant manner.Reviewed marketing materials & monitored social media sites of loan officers to ensure compliance.Audited loan officer’s commissions.Participated in the development of a Vendor Management program and the refinement of existing business processes to comply with applicable laws and investor requirements to improve quality and increase efficiency.Collaborated with teammates in the development of an internal audit process.Compiled documents while identifying issues and prepared responses for State, HUD and AML audits.Conducted initial disclosure packets and system reviews playing a key role in transitioning from Calyx Point to Encompass Loan Origination System.

Assisted the VP of Compliance in reviewing and monitoring bank processes to ensure compliance with governing laws.Performed audit reviews as assigned, including but not limited to HMDA, RESPA, social media and Marketing.Prepared monthly reports of documented errors to VP of Compliance.Developed independent review procedures for social media and third-party relationships.

Interviewed loan applicants to get a sense of their financial backgrounds and collected necessary application data, such as financial statements, assets, and debt.Guided clients through the loan application process, served as a reliable point of contact throughout the loan process.Reviewed loan applications, ensured that all sections were complete and accurate, corrected any potential mistakes.Submitted loan files to commercial loan bankers.Worked with brokers to perform research and determined applicants’ loan eligibilities.