Cindy Carlson

Central point of contact for issue management of all corrective actions owned by the Financial Crimes Monitoring and Surveillance (FCAMS) within Wells Fargo, internal audits, maintain formal business control procedures, maintain and organize artifacts for audit in Share Point, Shared Drives for the entire team. In addition support our director and our BSA officer for OCC, FRB requests by pulling the appropriate SME's together for a coordinated and cohesive response on behalf of the transaction monitoring team. Partner with internal regulatory relations and legal to review and edit responses before they are submitted to regulators. Write Issue summary memos that are required for all corrective actions and regulatory memos which are an in depth review of regulatory mandated work for the bank that occurs over a multi year project to complete. Manage a team of 9 people which includes 3 offshore resources to support the entire FCAMS team. In addition, provide monthly power point updates for executive level calls; Issue Management Forum, Financial Crimes Risk Committee, BSAO Officer Dashboard Metrics, Risk Analytics Committee, and Risk Analytics Forum, and other ad hoc requests.

Gathered and wrote requirements, and mapping logic for databases that were used by Capital Markets area of Wells Fargo Home Mortgage. Performed and led UAT testing for our Asset Sales Delivery team which included writing scripts for testing, defect tracking and testing, creating test data in the scenario builder tool so the team could effectively test loan populations so we could effectively deliver the correct data points to FNMA, FHLMC, and GNMA. Acted as a liaison with the business and technology to solve defects and provide solutions to improve our loan deliver tool. Assigned work and projects to our entire team of seven, Acted as an overall SME and lead to the testing team and liaison with the business since I have extensive knowledge of the mortgage process, products and programs. Strong knowledge of systems, data flow from origination of a loan to pooling and delivery of loans to our investors of our mortgage backed securities. Worked with Enterprise Release management and attended daily calls for testing with all of home mortgage to solution and partner on testing needs, troubleshooting with testing environment issues and partner with all teams across mortgage.

Wrote Tier 1 business requirement documents for mortgage systems to print for closing documents for all of home mortgage. Performed monthly testing of mortgage fees, tables, business rules, and system generated documents. Created editable PDF mortgage documents for our lending applications. Performed proxy testing, eform maintenance to support and back up technology resources. Point of contact to resolve production issues for all of sales and fulfillment documentation including all mortgage disclosures. Answered a general mailbox to support all of home mortgage users questions on documents and any issues with printing those documents. Maintained the federal Holiday and Right of Rescission testing and updates for the tables on all mortgage mainframes, including the home equity tables.

Led the team on the planning and execution of testing activities on assigned projects for quarterly releases and off release cycles. Assist management in establishing and maintaining consistent processes and compliance with all internal policies and processes. Created test data for UAT environments for home mortgage testers with a semi automated tool known as scenario builder which required mortgage origination experience to create each test loan. Identify gaps in requirements gathering and worked with technology partners to solution.

Worked with the business capabilities team, Capital Markets Business and technology services, and Delivery Managers to assure consistency in implementation of system and process changes resulting from GSE changes. Collaborate with project managers to define projects, design the appropriate changes and identify the business process models and flow and determine the correct timing for the changes.

Support Consolidated Defect Tracking System (CDTS) tool and general mailbox that supported questions from over 6,000 developers and delivery leaders enterprise wide. Assisted developers in technology with change packages and releases timing to ensure we are following all guidelines and internal processes. Ensure all change requests are logged in the PAC 2000 System and work with all project managers to create consistency and adherence to enterprise change management guidelines. Assist all release managers across the enterprise with release readiness planning and test readiness reviews each quarter. Host retail post install calls each quarter to ensure a successful release with all partners and stakeholders, also provide quarterly reporting for that forum. Led Account Reservation System (ARS) enhancements for testing of checking accounts. Gathered and wrote all requirements in business requirement document templates and executed parallel testing. Supported the Test Execution mailbox and sent out communications enterprise wide to the testing community. Duties included writing the test execution schedule for each logical day during testing, mainframe activities, and batch cycle updates, this included testing for developers and user acceptance testing in all environments. Managed all contract hourly staff hours, and budget for the larger team. Staff total 75 head count including contractors.

Supported the Northeast Fulfillment team in home mortgage as a SME on all projects. Provided technical support and data mapping code to the fields that needed to be updated in our mortgage mainframe systems. Trained fulfillment and sales staff on the Hub and Spoke Project rollout. Traveled extensively across many mortgage fulfillment sites to successfully roll out the program. Filled in as a construction to permanent loan team lead in a fulfillment site in Rochester, NY in person for one month until a replacement was hired. Assumed a pipeline of loans, called customers for loan status and documentation needed by underwriting staff. Worked with appraisers, ordered wires for funding, mailed out closing packages.

Represented the National Programs department of home mortgage on enterprise wide projects. Assisted with deficiency resolution on reverse montages. Performed UAT testing, wrote business requirements for reverse mortgage enhancements and completed data mapping. Total effort was sized at 1.2 million. Rolled out workbook on the web tool for construction to permanent line of business within mortgage.

Represented the Centralized Platform for home mortgage on projects. This line of business was the telesales area within Minneapolis which had 3,000 team members. Implemented training, created job aids, updated business process documents, maintained the internal Consumer Group website for team members, disclosure documents etc. Maintained Enterprise Risk Management goal of 3% error rate or less on compliance audited issues within our telesales team.

Mortgage trainer for fulfillment and sales associates within home mortgage. Trained over 1500 people face to face via extensive travel to many locations within the U.S. Worked with 10 different business departments to help meet their group's training needs and implemented new work flows as needed. Training subjects included: Home Equity products, Sales and fulfillment onboarding, HAMA product rollout, RUSH Diamond on Demand Refinance program.

Managed the Southeastern territory and acted as a liaison between mortgage loan officers in local branches and our telesales platform. This role ensured that our fortune 500 companies that had relocation package benefits from their employers to move with their job were applied to their home mortgage loan regardless of how they applied for a mortgage. Served as the teams sole nationwide virtual training person by delivering weekly hour long presentations explaining our corporate relocation program to local loan officers and how the benefits needed to be applied to the customers loan. All coordination came through the Minneapolis site. Instructed and provided follow up support to loan officers on loan application processing, relationship building, rate quotes, benefit coordination, appraisal orders and overall problem solving.

Managed the third party book of business for our relocation home mortgage program. This included over 200 customer accounts with fortune 100 and 500 companies that relocated employees and offered Wells Fargo as a preferred lender with benefits. Central point of contact for communication for clients, corporate partners/companies and the employees themselves as they moved through the mortgage process. Provided training to less seasoned staff in sales and in fulfillment on the corporate relocation program within mortgage, loan pricing, and subsidy programs. Identified and resolved loan level problems and trends through research, analysis and adherence to best business practices and solutions.

Loan officer for home mortgage, proficient on VA, FHA, HUD loans, TEMP, Affinity and relocation business. Originated and processed loans