Extensive background in performing AML investigations, regulatory compliance audits at the Federal and State level. Combined expertise in Financial Crimes Compliance, Fraud Investigations, Trade Finance, Global Markets and Project Leadership. Dynamic leader with exceptional organizational and communication skills and strong performance record. Regulatory Compliance-State & Federal

• AML Investigations
• OFAC Economic Sanctions Reviews
• Consent Order Oversight
• Patriot Act
• Sections 314 (a) & 314 (b)
• Correspondent Banking/US Dollar Clearing
• Quality Control & Assurance
• SAR Writing
• BSA Federal Regulatory Policies
• Transaction Monitoring/Surveillance utilizing KYC Vendor Solutions and Risk Control Services. E*TRADE FINANCIAL CORP., TX Credit Risk Manager/AML Specialist April 2008
• Oct 2011
• Managed a team of 8 analysts to ensure that daily productivity goals were sufficiently met.
• Produced timely reports and feedback to Sr. Management regarding any significant deficiencies within the reporting data.
• Reviewed and generated Repurchase Demands and Appeals letters.
• Recovered greater than $350 million due to faulty loans that were sold to the Bank on the secondary market.
• Perform quality assurance review in accordance with AML policies and departmental procedures within established timeframes.
• Conducted in-depth review of loans as per investor guidelines-identified bad loans and misrepresentation of terms and policies and reported findings to appropriate departments. This resulted in the removal of bad credit from the record books.
• Produced reports containing quality assurance results and associated metrics using established procedures.
• Perform encompassing research taking into account various AML risk factors and indicators to determine if a Suspicious Activity Report (SAR) requires completion.
• Analyzed and investigated AML cases to determine if AML risk is present in cases and decision AML cases
• Prepared Suspicious Activity Reports (SAR) with Fin CEN for Senior Management OPUS CAPITAL MARKETS, LLC, WI Team Lead Mortgage Underwriter Feb 2005
• Mar 2008
• Performed QA underwriting according to FNMA/FHLMC guidelines to determine the borrower capacity during the loan process.
• Evaluated and verified customer credit information in order to minimize risk to the bank.
• Conducted in-depth review of customer information including but not limited to title examinations, credit history, employment, income verification and appraisal review.
• Provided direct support to loan officer and senior managers on daily price changes in interest rates. Served as a liaison between loan officers, realtors, appraisers, title agents and surveyors.
• Reviewed disclosures and closing documents including: loan product parameters, as expressed on Notes, Deed of Trust and riders, TIL disclosures and components, HUD-1 Settlement Statement including finance and non-finance related fees. MORTGAGE DYNAMICS, INC., MD Loan Auditor / Securitization Processor / Compliance Reviewer May 2003
• Jan 2005
• Responsible for reviewing loan files in order to gather HMDA information.
• Reviewed loan files against Agency (FNMA/FHLMC) criteria to determine salability.
• Reviewed documentation included: Note, Security Instrument, Appraisals, and Title Insurance.
• Performed loan audits in order to verify if the loan origination and closing was in compliance with federal regulations. Verified Title Policy, 1003, 1008 and Appraisal. SMALL BUSINESS ADMINISTRATION, DC Sr. Due Diligence Project Assistant Jan 2000
• April 2003
• Performed Quality Control and provided assistance with loan sale clean-up process.
• Reviewed residential/commercial BPO's and provided assistance with third party reporting and trailing documentation evaluations.
• Analyzed and abstracted individual files both Credit and Collateral for proper assignment within due diligence projects.

TECHNICAL SKILLS

• Operating Systems: Windows 7 and 8, UNIX, MS-DOS, NT Server
• Software: Office 2003-2015, Word, Excel, Access, Outlook, SAS, LexisNexis, Detica, Accuity, Actimize, Prime, Mantas, CaseTracker, AS400, Word Check, Dow Jones, YellowHammer and SharePoint
• Hardware: Network installation and configuration, Network printing, Routers and Hubs
• Languages: SQL, C, C++, Visual Basic and A+ Certification