Worked as a Mortgage Compliance Analyst at FIS / AppleOne Staffing, Orlando, FL.
• Performed periodic reviews and audits of products and services to validate compliance with high risk regulations or detect regulatory violations, weak controls or other potential areas of exposure to risk.
• Validated underwritten documents and mortgages while testing compliance levels and workflow processes against the following: National Mortgage Settlement (NMS) guidelines, Office of Comptroller of the Currency Consent Order (OCC) directives, California Homeowners Bill of Rights (CA HBOR) and RESPA requirements to impact business units to ensure ongoing product compliance.
• Prepared documentation of negligent findings in preparation for final disposition of discrepancies.
• Worked with development groups to review foreclosure, bankruptcy and escrow account activity: forced placed insurance, property taxes and equity analysis and approve project requirements and design documents that pertain to or impact regulatory compliance and assists in setting priorities for regulator issues that must be addressed by the business.

Worked as a Realtor at Jax Elite Realty, Jacksonville, FL managing portfolio of clients to ensure ongoing communication with customers and vendors.
• Reviewing accounting transactions against industry requirements and documenting detailed business and process flows as necessary.
• Performing self-audit functions to insure the correctness of complex concepts.
• Managing client established referral network of customers and expanding client base.
• Reviewing financial reports, appraisals, verifying flood zone mapping, purchase contracts, paystubs, and tax returns for qualification status.
• Overseeing implementation of training/mentoring processes. Page 1

Worked as a Default Coordinator at EverBank, Jacksonville, FL, managing the accountability of client files while utilizing master risk evaluation skills to audit compliance.
• Influences performance of a business unit or functional area by working as a key member of the decision making management team on strategy and operations.
• Building organizational team/unit effectiveness and performance.
• Applying resolution techniques to customer issues and disputes.
• Efficiently collaborate with other functional areas modifying processes to address identified risks.
• Reviewing completed loan files for accuracy and discrepancies, government compliance as well as, reporting results to Office of President.
• Overseeing implementation of new and revised systems, policies and guidelines which have a significant impact on the unit, department or functional area.
• Creating business plans to ensure efficient flow of processes.

Worked as a Loan Servicing Specialist at Bank of America, Jacksonville, FL, Managing a portfolio in a high volume productive environment. Completing analysis and negotiation of short sale loss mitigation solutions.
• Reviewing financial reports, bank statements, appraisals, purchase contracts, paystubs, loss analysis, and tax returns for investigation, quality assurance, sales, and servicing purposes.
• Adhering to government rules and regulations relating to mortgage insurance and 3rd party investors.
• Requesting information needed for property sale approval.
• Verifying credit and documents related to contract consideration and acceptance. Page 2
• Reviewing files for accuracy and resolving discrepancies.
• Lender liaison for realtor, investor and Mortgage Insurance (MI) company.