Betty Yang
Dayton,MN
Summary
Knowledgeable Senior Analyst with strong background in delivering strategic consulting solutions to clients. Demonstrated ability to lead complex projects and optimize processes, resulting in enhanced operational efficiency. Proven expertise in stakeholder management and analytical problem-solving.
Overview
14
14
years of professional experience
Work History
Senior Consultant Analyst
Berkeley Research Group
08.2022 - Current
- Review onboarding client policies and procedures to identify gaps by providing a report for origination, servicing, and compliance departments
- Support managing director with SOW's, act as the supporting subject matter expert for potential and current client for deliverables
- Support managing team with potential candidate resume and interview screening
- Support management team with associated engagement activities related to testing including: Client onboarding, securing confidential documentation for testing, development of sample selection, updates or development of testing procedures, setup of testing templates and / or BRG's Drive proprietary testing platform, development of training, industry / regulatory research, generate monthly exception, remediation, and quarterly reports, serve as primary liaison to client for all escalation and investigations, assist client with tracking and remediation action
- Help design, implement, and perform account-level testing based on Federal / State / Agency regulatory requirements and investor guidelines for consumer finance or financial crimes testing efforts (TRID, ECOA, Flood, FCRA, E-Sign, PMI, Privacy, SAFE, RESPA, HMDA, and TILA);
- Identify and monitor exceptions or trending issues of testing activities;
- Support the tracking of testing efforts and summary of results and routine reporting (Monthly and quarterly reporting);
- Perform evaluation of testing data / documentation during exception-clearing and calibration of initial results activities
Senior QA Compliance Manager
Luminate Home Loans, Inc.
12.2021 - 08.2022
- As a Senior QA Compliance Manager, I assist the Director of Compliance with maintaining Luminate Home Loans, Inc
- Legal and ethical integrity through policy planning, enforcement, and addressing compliance issues as they arise
- Provide compliance directions and advice to the Servicing, Origination and QC department for state and investor guidelines as well as ensuring the TILA-RESPA requirements are met
- Oversee the tracking of corrective action plans, effectively challenge, and manage the satisfactory resolution of issues, including ensuring adequate remediation plans and validation to ensure proper and timely resolution
- Overseeing the MERS Requirement process
- Provide executive response for new state licensing
- Prepare and deliver reporting on quality control results to both management and executive level audiences, including the Board of Directors
- Responsible for creation and maintenance of the compliance audit plan and oversee various compliance audits
- Act as liaison with other departmental heads to ensure that all business operations are in line with Company policies
- Act as a general resource to staff on matters of QC and Compliance
- Manage the Disclosure Desk and QC department performing standard managerial tasks involving coaching, training, reviews, staff development, etc…
- Assist in the development of the QC department for origination and 2nd level review
Servicing QC Supervisor
The Servion Group
11.2019 - 12.2021
- Perform standard managerial task: Reviews, timecard, department oversight, workflow, pipeline management, creating policies and procedures, editing
- Establish open communication with Servion, Inc
- And quality control clients to routinely adjust selection amounts and procedures when required or recommended
- Communicates accurate, concise and constructive exception detail to clients
- Make a 10% statistical and stratified selection of the company's entire pipeline and analyze the area of inquiries (AOI) to ensure the loan files are in compliance with investor, federal and State Regulations, as well as, lender and investor guidelines
- Validates data integrity of loan in servicing systems
- Identifies all red flags within a loan file and addressed accordingly
- Escalates any evidence of fraud and/or misrepresentation to management and or the Compliance Officer
- Attend seminars, trade shows, and other mortgage servicing events to be established as an industry expert and establish market relationships
QC Analyst
The Servion Group
10.2017 - 08.2019
- Conduct quality control reviews of the servicer's actions during the servicing 'life-events' of a mortgage loan such as Collections, Loss Mitigation, Foreclosure, Servicing Transfers, and Payment Processing, Escrow, New Loan Setup (including underwriting review), Servicing Transfer, Paid in Full, Customer Service, and Bankruptcy, Complaints, Successor-in-interest
- Conduct quality control reviews of the lenders process during the Pre-funding and post-closing events of a mortgage loan such as underwriting, initial and post-closing doc reviews, Post-closing full file audit reviews and to ensure lenders are in compliance with TRID requirements along with other regulations
- Ensure all loans are in compliance with applicable federal and state mortgage statutes, program specific servicing requirements (HECM and HAMP, for example), and servicing, Pre-funding, and Post-Closing regulatory requirements circulated by agencies including Fannie, Freddie, FHA, VA, USDA/RHS, and CFPB
- Navigate through various mortgage servicing systems (Encompass, TRK, MERS, MSP, Desktop, MortgageServ, etc...)
Servicing QC Analyst
TENA INC, CO.
09.2016 - 10.2017
- Conduct quality control reviews of the servicer's actions during the servicing 'life-events' of a mortgage loan such as Underwriting, Collections, Loss Mitigation, Foreclosure, Servicing Transfers, and Payment Processing, Escrow, New Loan Setup, Paid in Full, Customer Service, and Bankruptcy
- Ensure compliance with applicable federal and state mortgage servicing statutes, program specific servicing requirements (HECM and HAMP, for example), and servicing regulatory requirements circulated by agencies including Fannie, Freddie, FHA, VA, USDA/RHS, and CFPB
- Navigate through various mortgage servicing systems (Encompass, MERS, MSP, Desktop, MortgageServ, LoanServ, etc.)
Licensing Coordinator
Rural Community Insurance Services
03.2016 - 09.2016
- Secure and maintain the required licensing information and documentation for RCIS agents, agencies, adjusters and field representatives to ensure compliance with RCIS, state and insurance company requirements, following standard operating procedures
- Copy documentation and distribute according to established guidelines or requests ensuring complete distribution is followed
- Maintain files (electronic and physical) according to established guidelines or requests in an organized manner
- Prepare and/or monitor reports as assigned in a timely manner
- Process mail documentation in an efficient and timely manner ensuring all mail documents are date stamped as received
- Performs routine licensing tasks following established guidelines
Loan Servicing Specialist 3
Wellsfargo Home Mortgage
11.2010 - 03.2016
- Responsible for updating multiple reports in the computer database for MERS and other areas in the production field
- Responsible for payment research, loan modifications, assumptions, payoffs, and contacting other lenders
- Research and analyze contradicting issues with the loan
- Conducting periodic audits of files and responsible for pulling reports and tracking loans for managers and analysts
- Open and distribute incoming mail and other material and co-ordinate the flow of information internally and with other departments and assist with additional office work as needed
Education
High School Diploma -
North Community High School
Minneapolis, MN01.2009
Skills
- Leadership
- Organization & Prioritization
- Self-Starter
- High-quality deliverables
- Mortgage compliance subject matter expert
- Testing/auditing
- Research and remediation
- General Microsoft applications
- Analytical
- Consulting
- Teamwork mindset
- Flexibility
- Improvement recommendation
- Internal systems analysis
- Innovation management
- Strong leadership skills
- Processes and procedures
- Client rapport
- Assessments
- Reports and documentation
- Reporting writing
- Customer Relationship Management
- Project Management
- Business Analysis
- Quality Assurance
- Organizational Development
- Audit reporting
- Problem-solving abilities
- Multitasking
- Multitasking Abilities
- Team Leadership
- Team building
- Conflict Resolution
- Professionalism
- Time management abilities
- Risk Management
- Workflow Optimization
- Problem-solving aptitude
- Performance Management
- Financial Analysis
- Vendor Management
- Regulatory Compliance
- Experience in leadership
- Business reporting
- Report exceptions
- Cross-functional team leadership
- Business ethics
Awardscertificates
Ellie Mae - Mortgage Compliance for Servicing
Timeline
Senior Consultant Analyst
Berkeley Research Group
08.2022 - Current
Senior QA Compliance Manager
Luminate Home Loans, Inc.
12.2021 - 08.2022
Servicing QC Supervisor
The Servion Group
11.2019 - 12.2021
QC Analyst
The Servion Group
10.2017 - 08.2019
Servicing QC Analyst
TENA INC, CO.
09.2016 - 10.2017
Licensing Coordinator
Rural Community Insurance Services
03.2016 - 09.2016
Loan Servicing Specialist 3
Wellsfargo Home Mortgage
11.2010 - 03.2016
High School Diploma -
North Community High School