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475 Selva Lakes Circle
Atlantic Bch, FL 32233
Senior Compliance Officer
23 years experience W2
Average rating
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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

Senior Compliance Officer
Jan 2015 - present
Jacksonville, FL

  • Oversee all areas of federal mortgage lending compliance, responsible for review and approval of compliance policy and procedures, responsible for daily Line of Business loan level questions, review of new loan product offerings to ensure compliance with federal regulations, assist with the development and management of the Program Risk Assessments as related to compliance functions, assist in compliance regulatory reviews, interact with Audit, Quality Control, Legal and Line of Business senior management; research questions on rules and regulations, product and/or system changes; consult with senior management in the development of policies and procedures to ensure compliance with relevant laws and regulations; and engage with the Enterprise Complaint Resolution team ensuring complaints are appropriately researched and responded to accurately on CFPB, OCC, escalated, non-escalated and other methods for regulatory impacts, process gaps and final resolution.
Auditing Compliance Risk Assessment
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RCSA Senior Control Analyst / AVP Compliance Officer
Jan 2007 - Dec 2015
Jacksonville, FL

RCSA Senior Control Analyst

  • Manage numerous audit reviews simultaneously to determine if state and federal regulatory requirements are under tolerance for the appropriate risk code, including drafting the Final Reports to Senior Management.
  • Assisted in the development of the Mortgage Lending Risk Assessment to ensure that audits are accurately capturing the proper risks for each line of business.
  • Point person for compliance clarifications, questions and process changes for the Retail, Consumer Direct, Correspondent, Rural Housing and Assumption Lines of Business.

AVP Compliance Officer

  • Oversaw all areas of federal mortgage lending compliance, responsible for review and approval of compliance policy and procedures, responsible for Line of Business daily loan level questions, review new loan product offerings to ensure compliance with federal regulations;
  • engage in project specific implementations as the compliance subject matter expert for Consumer Direct, Retail Branch, Correspondent, Rural and Assumption Lines of Business; and research questions on rules and regulations, product and/or system changes
Compliance RCSA Auditing Risk Assessment
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Policies and Procedures Officer
Jan 2001 - Dec 2007
Jacksonville, FL

  • Manage numerous projects simultaneously to interpret investor, agency and regulatory requirements for NetBank internal partners and external client customers.
  • Manage and update NetBank’s internal system for high cost calculations.
  • Manage requested underwriting exceptions received from internal departments.
  • Responsible for training personnel on NetBank’s High Cost Calculator and Choicepoint’s World Tracker system for complying with OFAC requirements.
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Underwriter Team Lead
Jan 1999 - Dec 2001
Jacksonville, FL
  • Managed workflow of loan application requests on a daily basis and client expectations for service level agreements for underwriting timeframes.
  • Managed 6-8 associates in day-to-day underwriting responsibilities and handled second reviews for loan limits, exceptions and denials.

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Edit Skills
Non-cloudteam Skill
BSA/AML Compliance Certification
Risk Assessment
Microsoft Excel