• Conduct comprehensive analyses of customer transactions, pinpointing andinvestigating anomalies to ensure adherence to Anti-Money Laundering (AML) andBank Secrecy Act (BSA) regulations.• Develop and implement robust procedures for the detection and reporting of suspicioustransactions to the Anti-Money Laundering team.• Offer expert guidance to business units regarding customer AML risk assessments andmonitoring of account activities.• Collaborate with various stakeholders, including internal departments and externalentities, to gather and scrutinize information for the preparation and submission ofSuspicious Activity Reports (SARs) to the appropriate federal agencies.

Analyzed Title reports to determine the nature of the documents and how to proceed to satisfy findings. Responded to, research, and resolve escalated inquires and complaints requiring special handling. Conducted investigative steps to fully identify the issues, researching product information, terms, and conditions. Strengthened customer and vendor relationships to ensure positive resolution of sensitive and time-critical matters. Orchestrated the resolution of disputes. Negotiated and enact final settlements.

Examined processing workflow procedures to recommend and implement changes for efficiency.Developed Quality Assurance process to reduce compliance errors and reduced risk by 30%.Participated in State Examination Audits to ensure compliance throughout the lending process.Identified operational risk issues and advised management on probable risk. Provided consulting and support for projects and initiatives with moderate risk factors that identified and mitigated operational risk in business activities.

Supervised the day-to-day activities of a team of 8-12 (FHA) short sale negotiators.Reached out to customers and third party vendors to obtain related account information to expedite closing.Reduced operational risk by conducting weekly pipeline audits to ensure guideline standards are being met. Reviewed performance reports to ensured production and quality metrics were being followed.Created daily reports of team goals and standings for management to present performance standings.Ensured CFPB and NSS enforcement action were followed and are within guidelines. Handled vendor and customer questions, complaints, and concerns throughout the Short Sale Process.

Managed contract negotiations for highest quality product mix and rate of return for agency and customers. Sold various insurance products such as: Life Insurance, Health Insurance, and Annuities for client needs. Managed and trained a team of six licensed insurance agents.

Made decisions on residential loan documentations for mortgage approval or denials. Performed initial income, credit, appraisal, title reviews, and sourced down payment funds. Verified employment verification, title, home owner’s insurance and escrow documentation.Requested loan payoffs, mortgage insurance, surveys, and inspections, through approved vendors. Updated file information to ensure compliance and regulatory guidelines were achieved. Supervised a team of processors in conjunction in assisted in training new hires.Sourced all funds to ensure all mortgage financials meet AML guidelines.

Reviewed residential loan documentations to verify data was complete for underwriting and ordered and performed initial income, credit, appraisal reviews, and sourced down payment funds.Obtained employment verification, reviewed title, and home owner’s insurance documentation – requested loan payoffs, mortgage insurance, surveys, inspections, and other items through approved vendors. Updated file information to ensure compliance and regulatory guidelines were achieved. Supervised a team of processors in conjunction in assisted in training new hires.

Generated over $12 million in new deposits, retained earnings, and real estate loan volume business – handled telephone inquiries, KYC verification, provided customer service, problem solving, and credit reviews.Act as a primary liaison with the client, research analysts, coverage team, the BSU and Compliance to ensure timely completion of client due diligenceSourced all funds for new deposits to ensure all transactions meet AML guidelines.