The Money Source (TMS)

AVP of Change Management 

​2017 - 2019

• Established Change Management Program to guarantee that all of TMS servicing department’s (approximately 12 departments) processes were in alignment with investor, insurer, state and federal guidelines.

• Utilized Project Management methodologies to drive and manage regulatory and operational changes from initiation through implementation.

• Documented and devised business requirement documents to clearly explain the goals and regulations of each new project.

• Process map creation including review of process risk and controls with assigned area management.

• Developed strong relationships and collaborated with business partners to make sure that the lines of communication remained open.

• Collaborated with stakeholders to ensure that downstream impacts were identified and processes fully updated.

• Developed and implemented a new formal policy and procedure process to fill gaps found within the company’s library.

• Managed a team of five team members comprised of project managers and technical writers to implement changes and update policies and procedures to incorporate changes in guidelines and processes.

• Maintained current knowledge of investor, insurer, state and federal guidelines along with TMS operations and core values to maintain compliance and minimize the negative impact on operations and clients.

• Utilized subject matter expertise and experience to consult business process owners with compliance needs.

 

 

BB&T Mortgage

Business Analyst

​2012 - 2017

 

• Managed yearly attestation audit including delivering requested audit documents, explanation of business processes, rebuttal, and prepared final responses to audits.

• Managed internal and external operational audits from initiation through remediation.

• Coordinated, researched and delivered audit responses for federal, investor, internal and external audit requests.

• Over a 3-year period, reduced audit findings by over 70%.

• Served as a liaison for auditors and consultants to communicate findings and provide root cause analysis to management and process owners.

• Converted analysis findings into projects and collaborated with appropriate subject matter experts from impacted groups for additional insight.

• Used change management to improve the accuracy and efficiency of the implementation of new government agencies and investor guidelines.

• Utilized investor, insurer, and internal bank guidelines to create job aids and procedures for employees to perform their jobs more accurately and efficiently.

• Documented business requirements to clearly explain to business partners what the action plan would accomplish.

• Trained and supported management and staff with change management functions needed as a result of a reorganization.

• Created a tool to help decrease the incidence of curtailed expenses due to non-compliance with investor/insurer guidelines.

 

 

Compliance and Quality Control Specialist

​2005 - 2012

 

• Responsible for researching federal, bank and investor guidelines for all areas of mortgage servicing with special attention to default management.

• Completed monthly, quarterly and semi-annual audits to identify risks and inadequate controls for all areas of Mortgage Servicing

• Conducted prospective and retrospective audits to monitor quality and compliance.

• Responsible for creating specialized audits to remediate areas in which there was a high instance of non-compliance due to industry changes.

• Audited the underwriting of loans that were in default within six months or less of loan origination to identify any risks in the underwriting process that contributed to early delinquency, and to identify products that were insufficiently paired with clients.

• Performed compliance and HMDA reviews of loan origination files that were withdrawn or closed for incompleteness to confirm that they were in agreement with federal and bank guidelines.

• Issued monthly reports detailing compliance exceptions rates by region.

• Special projects as needed including, Third Party federal reporting, Rate spread reports and the review of RESPA and TILA required disclosures.

• Responded to loan officer’s and processor’s questions pertaining to federal and bank guidelines.

• Participated in field audits to warrant that the processes of satellite offices were compliant with federal and internal bank guidelines.