ANGEL J. VIZCARRONDO

Mobile, bilingual Certified Notary Signing Consultant and Contractor reviewing, executing, and notarizing loan closing documents in compliance with New York State and federal laws and regulations.

• Handling domestic and out-of-state Real Estate closings including residential and commercial purchases, refinances, reverse mortgages, vehicle purchases, and debt programs.
• Increased business by 36% within year span by marketing key services to title companies, banks, and realtors.
• Using extensive customer service and sales skills to facilitate closings, notarizations, and generate signing leads.
• Establishing rapport with borrowers, loan and escrow officers, title companies, attorneys, signing agencies, and sellers to facilitate smooth and efficient loan closing process and encourage repeat business.
• Negotiating prices with signing agencies and title companies based on volume, service requested, and distance.
• Conducting target market research to scope out industry competition and identify advantageous trends.
• Applying general knowledge of Banking/Mortgage laws and regulations.

Managed team of 31 specialists tasked with reviewing, approving, declining, onboarding, and servicing credit card and deposit accounts applications. Deterring fraud and escalating suspicious activities as needed.

• Applied general knowledge of retail banking product regulations, including Reg Z, Reg E, Credit Card Act, UDAAP, and SCRA.
• Resolved escalated customer complaints and disputes effectively to reduce overdue compliance activities.
• Managed multiple projects within time, scope, and budget restrictions.
• Successfully developed and maintained departmental procedures to remain compliant.
• Reviewing and updating established departmental controls to ensure compliance with credit cards and other retail products regulatory mandates.
• Effectively increased staff retention by 20% through employee engagement, recognition, and cross-training.
• Recognized by senior management for consistently achieving high team Key performance indicators (KPIs) out of US, Philippines, and Bangalore sites.
  Praised by management regarding leadership style employed to lead team.

Provided compliance consultation by assessing the work of the business and the Bank's marketing campaigns to identify and mitigate potential and existing regulatory conflict.

• Guided and provided oversight on Banking/Mortgage Regulatory requirements; general knowledge in Reg Z, Reg X, Reg E, UDAP/UDAAP, RESPA, TRID Rule, BSA/AML, SCRA, and Mortgage Servicing Rules
• Managed projects which included compliance review and regulatory mapping of over 100 mortgage procedures
• Managed Mortgage Servicing and Collections Reporting Dashboard containing departmental project status and KPIs, for senior management.
• Coordinated and collaborated with review of retail products advertising campaigns with Legal and Marketing teams
• Maintained and revised policy procedures for general operation of compliance program.
• Facilitated adherence to regulatory objectives and managed compliance specific projects, marketing material, training, and procedures.

Directed and guided team of 36 mortgage specialists in conducting on-site audits and analyzing results leading to remediation to ensure servicing of mortgage loans per contractual and regulatory requirements

• Provided risk management support by identifying, monitoring, controlling, and reporting risk through appropriate practices and processes
• Ensured compliance with operational risk controls following HSBC or regulatory standards and policies and optimized relations with regulators by addressing any issues.
• Mortgage Business Continuity Plan consultant and coordinator of contingency plan training and activities.
• Lead projects and process improvement initiatives to improve department's processes and prepared and analyzed ad-hoc reports on mortgage activities
• Reviewed overall mortgage performance, including customer service, financial, and risk, and served as liaison for escalated complaints.
• Developed and updated departmental procedures and process mapping.
• Coordinate with external stakeholders as appropriate (including Finance, Customer Service, Risk, Information Technology, Compliance, and Mortgage Investors).
• Managed monthly Governance Deck for senior management, departmental KPIs, Monitoring Plan, and Service Level Reporting Tracker audits.

Directed departmental operations of 3 group leaders and 10 employees and indirect supervision of 77 operations accountants.

• Managed processing of required business licenses and permits for over 7,000 business units and ensured timely renewal of payments
• Oversaw maintenance, safekeeping, tracking, reporting, and data analytics of over 11,000 client contracts conforming to company, state, and local municipality requirements
• Managed onboarding of over 200 business units into SAP system per month
• Managed risk by minimizing exposure to lawsuits due to lack of executed contracts and late renewal of licenses that could potentially result in fines, penalties, and business closure by government agencies.
• Developed and updated departmental procedures, process mapping, and managed monthly reports and KPI metrics for department.
• Managed department's budget and performed monthly budget reconciliation and annual forecasting.
• Coordinated internal and external audits and activities including walkthrough with external auditors to allocate necessary resources and determine consistency of plans with audit objectives.
• Identified control gaps in processes, procedures, and systems through in-depth research and assessment and suggested methods for improvement.
• Led and successfully implemented new unit onboarding automation process at Sodexo impacting over 500 employees and achieved overhead cost savings of 1 FTE and reduced cycle time by 2 days.
• Led and successfully implemented new automated contract scanning process to make documentation readily available online for over 500 employees.
• Facilitated licensing business expansion into Puerto Rico.