Mortgage Compliance Resume Sample

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Arielle Steuber
1016 Amelia Overpass,  Philadelphia, PA
+1 (555) 842 0713

Work Experience


Mortgage Compliance Specialist
02/2018 - PRESENT
New York, NY
  • Responsible for assisting with the ongoing development and implementation of the LOB Compliance Risk team’s strategic plan to accomplish its Annual Compliance Risk objectives
  • Extensive knowledge of the assigned compliance area along with the associated operations, including the related rules and regulations of the financial services industry to include: OCC, FRB, CFPB, State Law and other pertinent regulations along with GSE guidelines
  • In-depth practical knowledge of internal controls, risk assessments and compliance processes, and applicable techniques for implementation of regulatory, compliance and legal requirements and compliance processes
  • Strong leadership and relationship management skills including the ability to lead up and across the organization Proven track record of integrity, and strong ethics and judgment
  • Review, analyze and document all areas of the mortgage file to ensure accuracy, completeness, and so that Mutual of Omaha Bank is in compliance with underwriting, internal and regulatory guidelines and investor salability
  • Produces reports detailing findings, trends and where applicable, recommend actions
  • Identifies potential implementation and/or interpretation inconsistencies or variances and notifies appropriate management. Advises management regarding resolutions and ensures timely implementation
  • Partners in the development of and implements changes to loan policies and procedures. Tracks and documents policy exceptions
  • Develops and maintains mortgage lending expertise for legal, compliance, transactional and business requirements
Mortgage Compliance Analyst
11/2012 - 11/2017
San Francisco, CA
  • Considerable knowledge of banking laws, federal and state government laws/regulations impacting mortgage lending to include CRA, Flood Disaster Protection Act, Fair Credit Reporting Act, Fair Lending, Servicemembers Civil Relief Act, and HMDA regulations and reporting
  • Knowledge and application of related Federal, State and industry laws and regulations pertaining to mortgage lending
  • Considerable knowledge and interpretation of related Federal, state and industry laws, regulations, legal opinions and related matters pertaining to mortgage lending, with the ability to identify and interpret compliance related issues and related activities
  • Knowledge and experience in the management of a financial institution's mortgage lending products and programs
  • Maintain effective performance under conditions such as pressure of tight deadlines, rigorous questioning of their work, and opposition and criticism from parties disagreeing with proposals
  • Strong knowledge of mortgage lending policies, practices, and procedures
  • Strong planning, organization, and decision-making skills
  • Excellent analytical ability and sound judgment
  • Perform compliance/regulatory related support of SFL including interpreting and analyzing regulatory requirements
Mortgage Compliance Processor
09/2005 - 05/2012
San Francisco, CA
  • Research new or revised regulations and guidelines, Make appropriate recommendations to senior management when needed. Work closely with SFL business units as needed to ensure compliance. Implement new or revised regulations ensuring deadlines are met or exceeded
  • Develop and maintain the SFL compliance training program; create internal training tools, as needed
  • Implement and maintain the SFL policies, procedures and guidelines for the SFL Compliance Management Program
  • Track progress of audit/exam exception items to ensure timely resolution
  • Facilitate and coordinate internal audit and exam information requests and Develop/draft management responses to audit and exam findings in collaboration with department managers
  • Update/develop regulatory disclosure forms as necessary
  • Complete HMDA reviews and submission to regulatory agencies

Education


Herzing University - Birmingham Campus
2000 - 2004
Bachelor's Degree in Business

Professional Skills


  • Experience working in a production environment including meeting or exceeding daily production quotas
  • Pulling and Pushing: Opening and closing file and desk drawers and mail regularly
  • Performing transactional testing of required quarterly analysis for Fair Lending
  • Lifting and Carrying: Movement of objects, such as boxes, for short distances periodically as part of filing
  • Assisting in preparation for agency, investor and state exams, and CFPB origination requirements
  • Performing assessments and targeted reviews to document gaps, and track remediation plans
  • Assists with the development and implementation of compliance policies and procedures by researching and monitoring changes in regulatory requirements

How to write Mortgage Compliance Resume


Mortgage Compliance role is responsible for organization, training, credit, auditing, reporting, research, travel, government, software, analytical.
To write great resume for mortgage compliance job, your resume must include:

  • Your contact information
  • Work experience
  • Education
  • Skill listing

Contact Information For Mortgage Compliance Resume

The section contact information is important in your mortgage compliance resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:

  • First and last name
  • Email
  • Telephone number

Work Experience in Your Mortgage Compliance Resume

The section work experience is an essential part of your mortgage compliance resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous mortgage compliance responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular mortgage compliance position you're applying to. The work experience section should be the detailed summary of your latest 3 or 4 positions. Representative Mortgage Compliance resume experience can include:

  • Detail-oriented with strong analytical and organization skills
  • Experience with mortgage lending; excellent working knowledge of federal banking laws and regulations governing the banking business
  • Experience in compliance or related field; auditing or compliance testing experience (3+ years)
  • Experience in mortgage compliance; auditing or compliance testing experience (5 years)
  • Experience with mortgage lending; working knowledge of federal banking laws and regulations governing the banking business
  • Proven understanding of regulatory oversight regarding the mortgage industry, including but not limited to: TILA, RESPA, ECOA, HMDA, Fair Lending and UDAAP

Education on a Mortgage Compliance Resume

Make sure to make education a priority on your mortgage compliance resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your mortgage compliance experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.

Additional details to include:

  • School you graduated from
  • Major/ minor
  • Year of graduation
  • Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.

Professional Skills in Mortgage Compliance Resume

When listing skills on your mortgage compliance resume, remember always to be honest about your level of ability. Include the Skills section after experience. Present the most important skills in your resume, there's a list of typical mortgage compliance skills:

  • Creates, revises, and maintains federal and state lending disclosures by working with external LOS and external document preparation companies
  • Maintains state and federal lending reference manuals, matrices and history files
  • Assists with coordination and responding to notices from regulatory agencies and investors
  • Monitor LOS for loans requiring initial disclosures daily
  • Substantial knowledge of AML laws and regulations including the FFIEC manual
  • Location Negotiable to anywhere in the USA

List of Typical Experience For a Mortgage Compliance Resume

1

Experience For Mortgage Compliance Analyst Resume

  • Investigates if policies and procedures of company are being complied with
  • Highly-motivated, results-oriented individual who is able to work independently
  • Interpret laws and regulations and analyze processes to ensure these meet regulatory requirements
  • BPA C: Confidentiality Agreement
  • Considerable knowledge of banking laws, federal and state government laws/regulations impacting mortgage lending to include CRA, Flood Disaster Protection Act, Fair Credit Reporting Act, Fair Lending, Servicemembers Civil Relief Act, Req Z, and HMDA regulations and reporting
2

Experience For Mortgage Compliance Specialist Resume

  • Reviews mapping and location data in loan file and online to complete manual geocoding as required
  • BPA (3): Confidentiality Agreement and Non-Solicitation of Employee and Customer
  • Identify and escalates problems and patterns for analysis by Lead HMDA Specialist
  • Serve as a resource for regulatory matters and compliance related initiatives relating to mortgage lending, including the updating and maintenance of Policies & Procedures and work flow documents
  • Analyze mortgage loans for compliance with regulatory requirements
  • Knowledge of federal and state regulatory requirements impacting mortgage origination, including TILA, RESPA, HOEPA, ECOA, FCRA, Dodd-Frank Act Amendments, and predatory lending laws
3

Experience For Senior Auditor Consumer & Mortgage Compliance Resume

  • Familiarity with industry-leading compliance platforms
  • Analyzes new and pending laws and regulations which directly affect the Bank’s Mortgage compliance program. Recommends changes to existing procedures based on analysis of new laws and regulations
  • Examines source documents to substantiate if current policies are in the best interest of the organization
  • Familiar with Net Oxygen and Doc Velocity or the ability to be trained on these programs
  • Supports Mortgage Compliance Director in the development, implementation and maintenance of an effective regulatory risk framework that includes an internal control structure, monitoring, and training
4

Experience For Mortgage Compliance Complaint Review Analyst Resume

  • Performs monthly Compliance periodic monitoring of Consumer Mortgage Loans (Bulk and Direct to Consumer)
  • Provides guidance to the Residential Mortgage Banking Unit in all aspects of compliance and takes a consultative approach to the compliance process
  • Represents the Compliance Department and the Bank in a leadership role; demonstrating core values, support of Bank policies and practices, and encouraging one common culture throughout the Bank
  • Certifications or special training needed: 2+ years bank consumer compliance experience required as is a working knowledge of federal consumer banking laws and regulations. Internal control, operations and/or audit background highly desirable
  • Demonstrated proficiency in reviewing and implementing policies and procedures
  • Extensive knowledge of new TRID Rule: the Loan Estimate, Closing Disclosure, new Timing Requirements, and Changed Circumstances
  • Willingness to take direction from leaders and others
  • Proficient in the Microsoft suite of product: Outlook, Word, Excel, PowerPoint etc
  • Travel - 10%

List of Typical Skills For a Mortgage Compliance Resume

1

Skills For Mortgage Compliance Analyst Resume

  • Compliance and/or Audit experience preferably in Mortgage
  • Demonstrated proficiency in business software including Microsoft Office suite (Outlook, Word, Excel) as well as Loan Origination software
  • Experience and knowledge with fee calculation, mortgage compliance requirements and disclosures
  • Hearing: Ability to receive detailed information through oral communications
  • Provides administrative support to include reviewing and preparing reports and correspondence; and participates in special department projects
  • Assists in the preparation of federal and state regulatory examinations and internal audits by compiling documentation
  • Hand Coordination: Using a computer keyboard
  • Develop policies and programs that encourage managers and team members to report suspected fraud and other improprieties without fear of retaliation
2

Skills For Mortgage Compliance Specialist Resume

  • Respond to state and federal agency inquiries and complaints promptly
  • Supports internal customers to ensure compliance with state or federal lending laws and company policy by gathering forms and data required for new and renewal licensing requirements and answering basic compliance policy and procedure questions
  • Performs internal pre-close and post-close audits
  • Maintain policies and procedures to support the Compliance Program
  • Research of regulatory developments, and changes relevant to compliance and all lines of business
  • Gather, investigate and review additional information and conduct research and/or testing as necessary, including targeted reviews. Ensure assigned audits are performed in a timely manner in accordance with established procedures and agency, federal and state guidelines
  • Review each loan with a change of circumstance prompt in the LOS daily to determine whether revised disclosures are required or whether the prompt could be cleared
  • Send a daily report to all originators, loan originator assistants and branch managers that have loans due for disclosure
  • Assist with the training of newly hired loan originators and monitor their initial compliance documents prior to submission to consumers until they are released from the initial compliance program
3

Skills For Senior Auditor Consumer & Mortgage Compliance Resume

  • Audit a random sampling of loans for adherence to federal and state regulations and provide management with timely, meaningful information regarding quality and compliance
  • Assist mortgage personnel with inquiries regarding compliance related matters
  • Assist with the review and interpretation of all new compliance regulations from federal and state regulators as well as from investors to ensure ongoing adherence to regulatory requirements
  • Create and copy training materials for ongoing compliance training for various positions within the mortgage division and publish a weekly communication on compliance matters
  • Review of marketing materials, collateral, training, company updates, etc. for compliance with state and federal regulation
  • Assist with the writing of policies and procedures and provide recommendations for improvement where needed
  • Assist post-closing with the review of closed loans for adherence to regulatory requirements
  • Respond to internal and external inquiries related to compliance, as requested
4

Skills For Mortgage Compliance Complaint Review Analyst Resume

  • Review all mortgage loans subject to flood insurance for adherence to FEMA, FDIC and Fidelity Bank policies and procedures
  • Assist with HMDA functions as needed to include all matters regarding accurate HMDA reporting, aged pipeline reports, HMDA scrub and withdrawn/declined loan tracking
  • Strong client-relations skills and ability to partner with clients to develop practical solutions that meet business needs while remaining compliant with applicable laws within the Banks’ risk tolerance
  • Certified Regulatory Compliance Manager (CRCM) certification
  • Sedentary work: Exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull, or otherwise move objects, including the human body. Walking and standing required only occasionally
  • Good vision and hearing (corrected if necessary), able to sit for long hours, manual dexterity to include but not limited to, filing, reaching, typing and bending, required
  • Related work experience in Mortgage lending
5

Skills For Mortgage Compliance Processor Resume

  • Intermediate understanding of the business line’s operations, products/services, systems, and associated risks/controls
  • Maintain high level of attention to detail in data integrity and file quality
  • Partners with business AML to address issues identified through compliance testing, analysis of audit reports, staff meetings and on-going interaction with other compliance officers
  • Participates in assessing AML/BSA risk in products and services; advise business lines of necessary changes and drives implementation to ensure compliance with appropriate laws and regulations
  • Monitors and follows-up on outstanding Quality Assurance testing, Audit and other compliance issues and ensures timely resolution
  • Performs detailed review of HMDA reportable loans including validation of APR’s, applicant information and presence of necessary documentation. Completes data review for HMDA LAR submission
  • Industry experience in due diligence/post audit close
  • Experience with compliance rules and regulations
  • Execute testing within the timeframe outlined in the compliance monitoring and testing schedule
6

Skills For Mortgage Compliance Review Analyst Resume

  • Execute and complete assigned compliance testing, in accordance with testing procedures and schedule
  • Work with Business Unit Risk Managers, and applicable business line management team, to review the root-cause, remediation plan and timeframe for each finding
  • An ability to troubleshoot compliance results
  • 2) Execute Departments’ Initiatives
  • Participate in the annual review and update of the compliance risk control self- assessment
  • Create and update testing procedures for each assigned compliance test, to include details on scope of test; key business contacts; risk control self-assessments; transaction testing sampling; and requested documents for review
  • Upon completion of compliance test, participate in meetings with Business Unit Risk Manager and applicable business line management team to discuss preliminary findings
7

Skills For Remote Mortgage Compliance Specialist Resume

  • Track remediation plan through completion; perform testing, within 30 days of completion, to validate that remediation plan fully mitigated the findings
  • Perform monthly monitoring of first line of defense testing results, reviewing for findings, trends, and effectiveness of root-cause analysis and remediation plans implemented in the first line
  • Validate all first line implementation and quality assurance testing of federal/state regulatory changes and the remediation of those regulatory issues identified
  • Excellent facilitation/training skills
  • Total years and/or type of prior related experience: 3+ years' regulatory compliance experience with an emphasis on mortgage lending
  • Strong understanding of regulatory processes, activities, and requirements of a mortgage servicing company
  • Strong ability to adapt to a rapidly changing work environment
  • Identify opportunities to enhance the effectiveness of departmental policies and procedures, software controls and additional training needs
  • Maintain a strong familiarity with all federal and state mortgage lending laws and regulations
8

Skills For Mortgage Compliance Program & Exam Manager Resume

  • Work with accuracy and demonstrate timeliness in completing tasks
  • Able to work cooperatively and maintain effective communication and working relationship with co-workers and management
  • Knowledge of compliance risk management concepts, frameworks, methods and good governance practice
  • Demonstrated high level of personal integrity, ability to protect confidential matters, and reflect appropriate level of judgment and professionalism
  • Demonstrated leadership and project management ability required
  • Attend and actively participate in all scheduled training classes including regulatory compliance education
9

Skills For Senior AML Consumer Mortgage Compliance Subject Matter Expert Resume

  • Has thorough understanding of Regulatory Compliance specific to a Banking organization
  • Review marketing material for regulatory compliance. This includes social media, videos, radio, etc
  • Assist in providing loan level documentation for state and investor examinations
  • Communicates with sales staff, wholesale customers and other departments to request missing or corrected information and documentation
  • Follows Generally Accepted Accounting Principles to determine results of audit
  • Serves as a resource for regulatory matters and compliance related initiatives relating to Consumer Mortgage Loans (Bulk and Direct to Consumer)
  • Develops compliance training material and trains employees to implement the processes necessary to attain the objectives of the Bank's Compliance Program
  • Manages and responds to quality assurance functions, systems reporting and standards
  • Develops and maintains mortgage lending expertise for legal, compliance, transnational and business requirements
10

Skills For VP of Mortgage Compliance Resume

  • Conduct audits to ensure loans are in compliance with federal and state laws and regulations and company policies and procedures
  • Perform compliance/regulatory-related research as requested
  • Review and approve federal and state disclosures
  • Monitor and review policies, procedures, forms and agreements to ensure regulatory compliance with applicable laws, rules and regulations and ensure compliance with company policies and procedures
  • Assist the Compliance Manager with projects as needed
  • Reviews forms, disclosures and other documents to validate information and ensure compliance with applicable laws and regulations. Uses experience and training to determine which documents and data are appropriate and correct

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