Cecilia N. Manzo
San Antonio,Texas
Summary
Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence.
Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Principal Auditor/Audit Manager – Vice President
Wells Fargo
San Antonio, TX
01.2020 - Current
- Led execution of integrated audit process
- Executed audits in accordance with internal audit policy
- Demonstrated depth of breadth of knowledge and understanding across multiple businesses and developed knowledge in a critical subject matter areas such as Consumer and Small Business Banking, Operational, Fraud, and Compliance
- Demonstrated comprehensive knowledge of key risks (Financial, Operational, Technical, Regulatory/Compliance environment across Consumer and Small Business Banking
- Identified and assessed key risks and controls and developed effective test plans for audit execution and assigned staff assignments based off of experience and expertise
- Reviewed all staff work prior to Management review and provided credible challenge to team members and business partners where applicable
- Evaluated and provided appropriate solutions for complex problems
- Documented work reflecting facts that lead to strong conclusions
- Escalated significant risks and loss exposures to appropriate levels of management
- Ensured documentation and reporting are ready for review by senior managers and leadership
- Led multiple concurrent projects that are generally moderate to large in size and moderate and high in complexity
- Presented audit results in an objective and unbiased manner
- Exhibited appropriate judgement regarding issue notification, issued draft findings, and drafted final audit reports
- Developed and maintained excellent business relationships within Internal Audit and business partners across company
Senior Auditor
Wells Fargo
San Antonio, TX
01.2017 - 01.2020
- Execute and lead internal audit engagements as part of the audit plan for the year
- Participate in all phases of an audit from planning to reporting
- Conduct audit fieldwork to ensure the internal control environment is effectively mitigating key risks
- Use data analysis to analyze key data and identify and detect trends in order to come up with a more efficient testing strategy
- Maintain transparent communication with audit leadership and business partners regarding potential issues or concerns in a ‘no surprise’ environment
- Credibly challenge audit staff to critically think through processes, risks, and controls through brainstorming discussions and workpaper reviews
- Demonstrates critical thinking skills by identifying issues and recommendations for business partners
- Team player and always willing to help others to meet deadlines
- Led walkthroughs, business calls, and status updates during various audits
- Created design of controls, walkthroughs, and developed test steps
- Demonstrates strong senior auditor skills through flexibility, strong communication, and critical thinking skills throughout the audit process
- Provides quality work and takes ownership of work
- Manage multiple priorities while meeting strict deadlines
Auditor
City of San Antonio
San Antonio, TX
01.2015 - 01.2016
- Perform independent objective assessments of City programs, activities, and functions.
- Manage specific projects; responsible for general oversight, assignment delegation, skills training and review work performed by audit team members
- Create and perform audit procedures; identify and define issues; develop criteria; collect, review, analyze and verify evidence, prepare working papers to document objective, audit steps performed, conclusions and results
- Evaluate management controls, identify control weaknesses, and formulate recommendations to improve the control environment
- Conduct individual and group interviews, review documents and other audit evidence
- Research, read and analyze State and Federal laws, regulations, City Administrative Directives, policies, procedures, audit guides, and contract provisions pertaining to programs or activities to be audited.
- Prepare and present audit results to City Department Leaders including management of all levels
- Deliver quality, well written descriptive reports
- Evaluates complex management controls; identifies improvements and defining issues, develop criteria, validation, analyzing and reviewing evidence and formulates recommendations to improve compliance.
- Researches and analyzes updates to Federal and State laws, and other governing directives, policies and procedures pertaining to contracts and grants being reviewed.
- Ensures compliance with Fiscal requirements associated with contracts and/or grants
- Participates in the review and assessment of other staff members' work for completeness and appropriateness and provides review comments to team.
- Analyzes complex documents and reports.
- Prepares working papers to document compliance steps performed and results.
- Leads conferences and meetings for assigned audits.
- Conducts off-site reviews
- Performs special reviews, projects and programs.
- Contributes to annual plan of audits
- Established and maintains effective working relationships with co-workers, City management and staff
- Excellent verbal and written communication skills and possessing a high degree of attention to detail.
Mediations Underwriter
Wells Fargo
San Antonio, TX
01.2013 - 01.2014
- Reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan to value); evaluating, examining transactions to ensure accuracy and completeness
- Preparing formal reports to review
- Excellent verbal and written communication skills and possessing a high degree of attention to detail.
- Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals.
- Ensuring that documents are consistent and uphold to company and industry guidelines
- Contacting customers, partners, and attorneys to gather information to make appropriate decisions, explain rationale behind credit decision.
- May provide work direction and/or training to lower level team members and provide performance feedback to manager.
- Worked on systems such as Workflow, IAM, CPI, Experian, Web Query, and all systems for 512
- Functions include: spreading financial statements; analyzing credit information; monitoring adherence to terms of agreement; corresponding with customers and agencies; skip tracing; restructuring payment plans; and assist in handling workout and restructuring of problem loans.
- Received Delegation of Authority A and B.
- Attend mediation hearings daily; explain borrower’s history with Wells Fargo and current standing.
- Use an automated scoring system or traditional underwriting to determine acceptability of moderate requests.
- Staying abreast of any changes in underwriting provisions.
- Assist borrowers with the following programs HAMP, MAP2R, HAFA – Short Sale and DIL, Proprietary – Short Sale and DIL, UP and PUP, and Payment Plans
- Required to manage work through a pipeline and have to maintain constant communication with attorney’s, Home Preservation Specialist, and borrowers and serve as a backup when other Underwriters are not available to assist.
Home Preservation Specialist 2
Wells Fargo
San Antonio, TX
01.2012 - 01.2013
- Serve as single point of contact for borrowers that may be seeking assistance options on their mortgages, in the form of retention or liquidation from the initial request until a solution is rendered.
- Analyze the customer’s financial situation and making recommendations on loan modifications/workout options to resolve delinquency. Evaluating and ensuring overall loan documents are accurate, complete, and compliant. Reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation.
- Staying abreast of any changes in underwriting provisions - Working with underwriting to resolve questions when possible. Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products.
- Assist borrowers with the following programs HAMP, MAP2R, HAFA – Short Sale and DIL, Proprietary – Short Sale and DIL, UP and PUP, and Payment Plans
- Required to manage work through a pipeline and have to maintain constant communication with borrowers and serve as a back up when other HPSs are not available to assist.
- Notify customers and ensure their understanding of current status, options, timelines, coordination touch points, customer obligations through the process and the loan modification decision.
- Communicate and coordinate with multiple Servicing departments (both internal and external to WF)
- Identify, maintain, track and log requested documentation for loan modification review
- Effectively Work in a team environment in an effort to achieve team/volume goals and provide superior customer service.
- Conduct all Enhance Doc Tracker Audits to ensure the team meets the department goal of 97% Letter Quality
- Develop, coach, and monitor Home Preservation Specialists performance on a weekly/monthly basis. Have managed team on multiple occasions while management was out of office
- Have developed and maintained multiple partnerships with corresponding sister departments such as Foreclosure, Processing Support, and Settlement
- Responsible for reviewing and adjusting mortgage loans to reduce delinquent/problem loans within framework of company or investor guidelines
- Functions include: spreading financial statements; analyzing credit information; monitoring adherence to terms of agreement; corresponding with customers and agencies; skip tracing; restructuring payment plans; and assist in handling workout and restructuring of problem loans.
- Worked on systems such as Workflow, IAM, CPI, Experian, Web Query, and all systems for 512
- Consistently ranked in the top 10% in production performance out of 200 representatives in the home preservation department
- Handpicked by Senior Leadership to be part of a Daily Moderate Underwriting Conference Call
- Have a played an instrumental role in the last 6 months leading my team to be in the Top 10 on the HPS Monthly Team Scorecard
- Personally selected by management to be part of 2013 Q12 Committee
Risk Operations Analyst/Team Lead – Electronic Money Movement
JPMorgan Chase
San Antonio, TX
01.2011 - 01.2012
- Performing routine account activity review of risky transactions
- Following standard procedures and action plans to reduce exposure on suspect items and/or transactions
- Depending upon specific function, may communicate actions on suspect items to branch personnel, customers, Fraud Hotline and Corporate Security as necessary
- Documenting the review and investigation process followed for each account reviewed and preparing various documents, reports and system entries as necessary for financial entry, certification, reporting and statistical purposes
- Provides coaching and aiding in professional growth for the staff
- Developed, maintained and revised, as needed all metric and financial reports to identify opportunities for improvement and streamline overall effectiveness of each constituent.
- Functions include: spreading financial statements; analyzing credit information; monitoring adherence to terms of agreement; corresponding with customers and agencies; skip tracing; restructuring payment plans; and assist in handling workout and restructuring of problem loans. Manage pipeline, make a decision based on investor guidelines and negotiate with third parties
Consumer/Business Banking
JPMorgan Chase
San Antonio, TX
01.2010
- Resolve customer issues via telephone interaction
- Fulfill basic account maintenance on a real-time basis (i.e., debit/credit card replacement, check orders)
- Review and correct account discrepancies upon customer request
- Anticipate future customer needs, and deepen banking relationships, via cross-sell of appropriate banking and fraud prevention products/services.
- Promote customer use of available self service options.
- Transaction review/verification assistance to branch personnel in support of suspicious account activity
- Functions include: spreading financial statements; analyzing credit information; monitoring adherence to terms of agreement; corresponding with customers and agencies; skip tracing; restructuring payment plans; and assist in handling workout and restructuring of problem loans. Manage pipeline, make a decision based on investor guidelines and negotiate with third parties
Bank Teller
LoneStar National Bank
Pharr, TX
01.2009
- Assisted customers on a daily basis to meet their banking needs
- Answered financial questions for individual customers, or directed them to appropriate specialist within the branch to assist them with more detailed needs.
- Accepted and processed customer deposits and loan payments
- Completed appropriate reporting requirements on customer interactions, based on Anti-Money Laundering protocols (i.e., $10k+ deposit reporting)
- Maintained and balanced cash drawer daily
- Secured the financial institution on a nightly basis
Education
Bachelors of Business Administration - Finance BBA
The University of Texas Pan American
Skills
- Leadership and team management
- Risk management and internal controls
- Stakeholder communication and reporting
- Operational audits
- Friendly, positive attitude
- Teamwork and collaboration
- Customer service
- Problem-solving
- Bilingual: Effective written and oral communication skills in both English and Spanish
Certification
Pursuing designations related to Internal Audit (Certified Internal Auditor)
Languages
Spanish
Native or Bilingual
Timeline
Principal Auditor/Audit Manager – Vice President
Wells Fargo
01.2020 - Current
Senior Auditor
Wells Fargo
01.2017 - 01.2020
Auditor
City of San Antonio
01.2015 - 01.2016
Mediations Underwriter
Wells Fargo
01.2013 - 01.2014
Home Preservation Specialist 2
Wells Fargo
01.2012 - 01.2013
Risk Operations Analyst/Team Lead – Electronic Money Movement
JPMorgan Chase
01.2011 - 01.2012
Consumer/Business Banking
JPMorgan Chase
01.2010
Bank Teller
LoneStar National Bank
01.2009
Bachelors of Business Administration - Finance BBA
The University of Texas Pan American