Christina Ziegler
MARGATE
Summary
Certified Regulatory Compliance Manager (CRCM) with nearly 20 years of experience in mortgage and consumer banking compliance and risk management. Experienced in developing and implementing compliance and risk framework programs designed to mitigate and manage risk. Knowledgeable about mortgage and consumer banking laws and regulations. Managed internal and external (regulatory) audits and examinations, quarterly risk assessment reviews Knowledgeable about mortgage and consumer banking laws and regulations, including FCRA, TILA, RESPA, HOPA, ECOA, FDPA, Reg E, SCRA, MLA, FDPA, HMDA, OFAC, Bank Security Act, and UDAAP. Developed Second Line of Defense complaint, remediation, and issue management processes. Responsible for ensuring company policies and procedures comply with federal and state laws and regulations.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Technology Risk Issue Coordinator
U.S. Bank
09.2024 - Current
- Conduct thorough risk assessments to identify potential issues and vulnerabilities within technology processes and systems, with a primary focus on High Risk rated, Regulatory and CAS audit issues.
- Track, monitor, and manage risk issues from identification to resolution, ensuring timely and effective mitigation strategies are implemented. This includes writing management responses, issue descriptions, and resolution plans.
- Provide credible challenge to ensure risks are identified and mitigated effectively.
- Work closely with technology teams, business units, and stakeholders to communicate risk issues and develop action plans for resolution. Hold weekly working group sessions for each issue with stakeholders to ensure continuous progress and alignment.
- Prepare detailed reports and documentation on risk issues, including root cause analysis, impact assessments, and mitigation plans.
- Write CPMA memos upon issue completion.
- Provide monthly executive-level reporting on risk issues and their status.
- Manage milestone due dates for completion to ensure issues are closed by the CPMA date.
- Ensure that all risk management activities comply with organizational policies, industry standards, and regulatory requirements.
- Proactively identify opportunities for process improvements and implement best practices to enhance the overall risk management framework.
- Coordinated cross-functional teams to streamline project workflows and enhance communication.
- Managed scheduling and logistics for multiple projects, optimizing resource allocation and efficiency.
- Led initiatives to improve operational processes, resulting in enhanced service delivery and client satisfaction.
- Ensured compliance with regulatory requirements by maintaining accurate records and documentation practices.
Corporate Compliance Senior Analyst Mortgage and Consumer Lending
U.S. Bank
04.2022 - 09.2024
- Managed and oversaw compliance functions of the organization ensuring adherence to regulatory requirements.
- Managed oversight and approval of investor (Fannie Mae, Freddie Mac, VA, USDA) guidelines.
- Managed and oversaw the company's compliance and risk management programs, including reviewing and approving operational policies and procedures.
- Reviewed, updated, and implemented compliance programs.
- Developed and delivered compliance training programs.
- Monitored and responded to regulatory developments.
- Ensured operational systems operate in compliance with federal, state, and local regulations.
- Interpreted legal documents and regulatory requirements for implementation.
- Monitored and addressed and conducted trending analysis on compliance issues.
- Evaluated and interpreted federal laws and regulations and assisted in improving business practices.
- Stayed current with the latest changes to applicable regulatory standards and company procedures.
- Reviewed and approved Mortgage and Consumer Lending policies and procedures to ensure regulatory compliance.
- Participated in structured projects to assure compliance with regulations.
- Supported business lines with procedural changes to assure compliance.
- Partnered with Enterprise Compliance partners to develop Natural Disaster Playbook.
- Developed and implemented strategic initiatives that improved operational efficiency.
- Led data analysis projects to enhance decision-making processes across departments.
Corporate Compliance Manager (Mortgage and Consumer Lending)
U.S. Bank
04.2020 - 04.2022
- Manage a team of compliance professionals responsible for consumer and mortgage lending, mortgage lending oversight, risk assessments and audit/issue management.
- Direct Compliance reporting on key projects to assist business line executive leadership in meeting project deadlines ensuring advice is relevant and accurate, succinct and easily understood.
- Support Data Governance and Business Line project approval for use of Artificial Intelligence (AI).
- Support Model Risk Management for AI Data models.
- Validate AI Model data testing results.
- Performed regular reviews of existing Operational and Compliance policies and procedures to ensure that they meet all applicable standards.
- Developed and implemented Second Line of Defense Complaint Management process.
- Developed the Law Division escalation process within the corporate compliance complaints/issues that present legal risk.
- Developed and implemented Second Line of Defense Issue Management process.
- Developed and implemented Second Line of Defense Remediation process.
- Developed and implemented a comprehensive risk assessment and control review process.
- Support internal audits.
- Support and manage compliance activities for regulatory exams.
- Oversaw and approved large bank mergers.
- Support loan acquisition and portfolio sales.
- Monitored, oversaw, and implemented, federal and state laws/ regulations within operational processes.
- Developed and maintained internal compliance processes and procedures to ensure that bank activities are conducted in accordance with applicable laws and regulations.
- Collaborated with internal stakeholders to ensure that compliance-related activities are properly implemented, documented, and tracked.
- Oversee implementation investor (Fannie Mae, Freddie Mac, VA, USDA) guidelines.
- Assisted in the development and implementation of training programs related to compliance and risk management.
- Trained employees on compliance policies and procedures to ensure their understanding and adherence to the organization's compliance requirements.
- Provided guidance and advice on compliance-related matters.
- Conduct and render reporting on quarterly Risk Assessment reviews.
- Conducted and render reporting for quarterly Heatmaps presented to senior leadership.
- Developed and oversaw COVID and Natural Diester protection governance.
- Developed and implemented compliance programs to mitigate regulatory risks.
- Monitored regulatory changes, assessing impact on corporate practices and policies.
Corporate Compliance Analyst
U.S. Bank
06.2014 - 04.2020
- Managed escalated compliance complaint response review and approval.
- Addressed technology related issues to mitigate compliance risk.
- Developed and supported complaint issue management tracking and oversight.
- Managed issue remediation oversight and approvals.
- Manage and oversaw compliance and risk management programs, including reviewing and approving operational policies and procedures.
- Reviewed, updated, and implemented compliance programs.
- Developed and delivered compliance training programs.
- Monitored regulatory developments.
- Ensured operational systems operate in compliance with federal, state, and local regulations.
- Interpreted regulatory documents and regulatory requirements for implementation.
- Monitored and addressed and conducted trending analysis on compliance issues.
- Evaluated and interpreted federal laws and regulations and assisted in improving business practices.
- Stayed current with the latest changes to applicable regulatory standards and company procedures.
- Participated in structured projects to assure compliance with regulations.
Risk Underwriter/Risk Underwriting Manager
TCS / Citi Mortgage
01.2009 - 06.2014
- Oversaw quality control of the Underwriting team to ensure the Underwriter maintains the required quality average by completing QC's of loans Underwritten.
- Provide training on policy changes and areas in need of focus due to quality reviews.
- In charge of audit preparation for various audits.
- Partnered with the compliance team in implementing of regulatory compliance guidelines.
- Audit all appraisal sent to Risk and Self-employed income escalations.
- Conduct QC Audit reviews on FHA, VA, FNMA, FMCC Loans. Work with Management in updated policy's and guidelines to follow current regulations and laws.
- Maintain monthly performance measurements: Timeliness, production goals, suspense, Regulatory Compliance, and customer satisfaction, as well as Maintains up to date knowledge on relevant procedures.
- Updated job aids and policies with current federal regulations Federal/State law requirements.
- Ensure all regulations are being followed by employees and management. Maintain updated education on laws, regulations and industry overlays.
- Maintain updated documentation to support all compliance regulations are followed in order to provide for audit and reporting purposes.
- Work closely with senior management to review all compliance issues and implement ways of improvement in addition to preventing risk.
- Maintain allocation report of Daily Team Production, Manage Quality Control review of loans, Production Metrics reports, Conduct Quarterly and Yearly audits. Maintain monthly reports in regards to quality, Attendance, Billing, training, casual analyst.
- Re-Underwrite closed loans in the Correspondent Channel to ensure salability to Fanne Mae, Freddie Mac, VA, FHA. Ensure all required loan
Mortgage Loan Processor/CRR
Fifth Third Mortgage
05.2007 - 01.2009
- Responsible for verifying, compiling, and typing application information for mortgage loans received Assist the Account Executives regarding mortgage loans and follow- up with clients to collect all documents necessary to close loan Manage pipeline of conventional, government, and portfolio loans Pre Underwrite conventional and portfolio loans, complete Verification of Employment, review all Credit docs, Appraisal, Assets, to ensure documents are not expired prior to closing.
- Perform all tasks necessary to process loans accurately while meeting sales goals and set deadlines.
- Evaluate loan documentation and clear conditions as per delegated authority.
Mortgage Processor I
Country Wide
03.2006 - 04.2007
- Responsibilities included Review all open conditions on loans after received from Underwriting.
- Contact Brokers and Customers to gain need information or documentation and or Updates.
- Review all conditions received to ensure meets requirements and guidelines Work a daily Pipe Line to ensure accurate turn times Pre-pair closing packages , Mails the letter of approval and denial to the applicants Reviews and arranges file in proper stacking before submitting to underwriting.
Education
Associate of Applied Science -
Beckfield Collage
Cincinnati, OH05-2015
Skills
- Decision-making
- Corporate governance
- Regulatory examinations
- Analytical thinking
- Legal research
- Internal auditing
- Risk assessment
- Audit support
- Regulatory standards
- Risk reviews
- Teamwork and collaboration
- Written communication
Certification
- Certified Regulatory Compliance Manager (CRCM).
Timeline
Technology Risk Issue Coordinator
U.S. Bank
09.2024 - Current
Corporate Compliance Senior Analyst Mortgage and Consumer Lending
U.S. Bank
04.2022 - 09.2024
Corporate Compliance Manager (Mortgage and Consumer Lending)
U.S. Bank
04.2020 - 04.2022
Corporate Compliance Analyst
U.S. Bank
06.2014 - 04.2020
Risk Underwriter/Risk Underwriting Manager
TCS / Citi Mortgage
01.2009 - 06.2014
Mortgage Loan Processor/CRR
Fifth Third Mortgage
05.2007 - 01.2009
Mortgage Processor I
Country Wide
03.2006 - 04.2007
Associate of Applied Science -
Beckfield Collage