Compliance subject matter expert in the successful implementation of TRID, a two-year project impacting both sales and operations departments workflows.
Led both ATR/QM implementations for 2014 and 2021, involving substantial underwriting and credit policy, loan origination and compliance testing software, process and procedural changes for GSE and portfolio loan programs.
Developed business compliance risk analysis process designed to ensure all gaps were readily identified and mitigated prior to implementation of initiative, publication of policy/procedure, business decisions and closure of issues. This reduced the need for additional staff and triggered a 15% increase in productivity.
Partnered with business technology team to create “in house” Regulation Z analysis software (TRID LE/CD reconciliation) designed to analyze business process and controls to minimize regulatory compliance risk and cures with each transaction resulting in a significant savings to the bank.
Established Compliance Officer signing authority matrix that ensured higher risk regulations were worked on by more experienced team members. It reduced risk exposure and also allowed management to coach less experienced employees and assign career goals.