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Senior Compliance Officer
22 years experience W2 Atlantic Bch, FL
Actively seeking
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Senior Compliance Officer
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Auditing Compliance Risk Assessment RCSA AML BSA Microsoft Excel
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Recent Experience
Senior Compliance Officer 01/15 - present
Auditing Compliance Risk Assessment
RCSA Senior Control Analyst / AVP Compliance Officer 01/07 - 12/15
Compliance RCSA Auditing Risk Assessment
Policies and Procedures Officer 01/01 - 12/07

Professional individual with experience in the following areas: extensive working knowledge of federal and state laws and regulations governing residential mortgage such as ECOA (Reg B), TILA (Reg Z), RESPA (HUD’s Reg X), HMDA (Reg C), Homeowners Protection Act and Flood Disaster Protections; good analytical and problem solving skills, moderate experience with MS Excel, Work, Access and PowerPoint; strong ability to work independently and as a team member, strong attention to detail, ability to communicate effectively, both orally and in writing, with all levels of management; strong ability to organize, prioritize and multi-task. Areas of expertise include:

  • Compliance and Legal Policy
  • Research and Analysis
  • Complaint Resolution
  • Implementation of Regulations
  • Policy and Procedures
  • Training Internal Personnel
  • Managing/Supervising Personnel
  • Risk Program Development
  • Origination Controls
  • BSA/AML Compliance Certification


  • Provided compliance guidance for Home Lending Originations CFPB, OCC, escalated and non-escalated complaints, including loan level research, training of the Enterprise Complaint Resolution team and review/approval of final response letters
  • Completed Program Risk Assessments for Regulation Z, Regulation X, Fair and Responsible Practices and Flood, including obtaining all documentation and creating reports for all Home Lending Origination channels
  • Completed Key Risk Indicators for Reg Z, Fair and Responsible Practices and Flood, including obtaining / compiling data each month for monitoring purposes for all Home Lending Origination channels
  • Completed Risk and Control Audits for the Originations Control Office for Retail, Consumer Direct, Correspondent and Rural Housing Lines of Business
  • Assisted the channel compliance liaisons with the analysis of compliance review findings to determine the root cause of errors and develop appropriate corrective action plans
  • Monitored production system queues and procedural communications to identify compliance impacts
  • Monitored timely completion of Action Plans arising from compliance reviews, internal audits or business identified issues
  • Represented Compliance on selected business project initiatives
  • Provided the final Compliance approval for process changes. Actively partnered with line of business on all strategic initiatives to provide constructive compliance advice, influence the process and development of the project, including finding creative ways for the business to meet its goals and objectives without compromising controls
  • Supervised Underwriting Team, including allocation of workflow, second review for loan size and declines, and ensured that credit policy was followed
  • Past experience as a Loan Officer, Processor, Closer, Funder and Post Closing positions

Top 5 Skills
SkillsProficiencyLast Used
Risk Assessment
Education and Certifications
BSA/AML Compliance Certification,
Willing to relocate?:Yes
Relocation preference
Any location
Prepared to Travel:No travel (0%)
Employment Type:Any
Security Clearance:No clearance
Citizenship:U.S. Citizen