Cresamthium Neves
Seffner,USA
Summary
Experienced Senior Underwriting Analyst with over a decade of expertise in risk management and compliance monitoring. Proven track record in enhancing fraud prevention strategies, and optimizing workflows to uphold regulatory standards. Skilled in financial analyses and team collaboration to boost operational efficiency. Dedicated to developing policies that effectively reduce compliance risks, and support business objectives.
Overview
14
14
years of professional experience
Work History
Senior Underwriting Analyst
DTCC
Tampa, USA
01.2023 - Current
- Conducted financial risk assessments and compliance reviews to ensure adherence to regulations and policies in payment operations.
- Performed regular audits and evaluations to identify compliance gaps, recommending corrective actions.
- Assisted in developing and implementing compliance policies tailored to operational needs and regulatory standards.
- Prepared compliance reports for management, highlighting key activities, findings, and trends.
- Led internal investigations into compliance violations, recommending corrective actions where necessary.
- Collaborated with legal, finance, IT, and operations teams to streamline underwriting and compliance workflows.
- Analyzed risk factors in financial transactions to ensure compliance standards.
- Ensured compliance with applicable regulations related to underwriting activities.
- Performed quality control checks on completed underwriting files.
- Reviewed and analyzed historical financial performance metrics.
- Performed due diligence by assessing data.
- Conducted IPO testing to verify company readiness for public offering and pinpointed financial, operational, and governance gaps prior to formal IPO process initiation.
Financial Analyst
Seroled Pharmaceuticals
Bahamas
09.2022 - 01.2023
- Conducted detailed financial data analysis to identify discrepancies, unusual transaction patterns, and potential compliance risks in line with regulatory standards.
- Conducted variance analysis to compare budgeted figures against actual results, and identified causes of discrepancies.
- Implemented cost-saving measures by analyzing expense reports and identifying inefficiencies.
- Utilized financial software, Fishbowl Inventory, and advanced Excel functions to streamline data analysis and reporting processes.
- Collaborated with senior management to define and monitor key financial performance indicators (KPIs).
Due Diligence Underwriter
Consolidated Analytics
Anaheim, USA
03.2021 - 07.2022
- Prepared compliance reports and risk assessments to support audits and regulatory examinations.
- Applied investigative tools to validate customer identities and monitor payment flows.
- Analyzed financial statements to determine applicant eligibility for coverage.
- Reviewed policy documents for regulatory compliance, and approved necessary documentation.
- Verified the accuracy of income statements, tax returns, bank statements, loan estimates, and closing disclosures.
- Resolved discrepancies between customer documentation and internal records effectively.
- Maintained knowledge of industry trends and compliance requirements through regular training.
- Analyzed financial data to execute underwriting processes and evaluate loan applications.
- I've conducted periodic reviews of existing loans to ensure they comply with established policies.
Senior Underwriting Analyst
DTCC
Tampa, USA
03.2019 - 02.2021
- Presented detailed reports on risk findings, compliance metrics, and control effectiveness to senior management for audits.
- Applied advanced data analysis techniques to detect irregular payment patterns, enabling proactive risk mitigation.
- Analyzed client data to assess eligibility for financial products.
- Reviewed policy documents for accuracy and completeness.
- Conducted quality control checks on completed underwriting files.
- Identified opportunities to enhance operational efficiencies within the department.
- Managed data entry into the underwriting database to track process activity.
Due Diligence Compliance Analyst
Loan Logics
Jacksonville, USA
09.2016 - 09.2018
- Executed comprehensive due diligence reviews on payment transactions to identify compliance risks.
- Prepared detailed compliance reports for senior management, emphasizing trends and recommended improvements.
- Reviewed loan documents for compliance with legal standards and company policies.
- Maintained current knowledge of laws, regulations, guidelines, and industry standards.
- Conducted due diligence on third-party vendors to verify adherence to company standards.
- Performed regular compliance audits and communicated findings to management.
Compliance Analyst
First Guaranty Mortgage
Tampa, USA
07.2015 - 08.2016
- Conducted compliance reviews and investigations on flagged transactions, escalating risks to senior management.
- Analyzed regulatory compliance for mortgage lending practices and procedures to ensure adherence.
- Reviewed loan files for compliance with state and federal regulations, identifying deficiencies.
- Prepared compliance reports, risk assessments, and audit findings for regulatory examinations.
- Implemented corrective action plans in response to identified non-compliance issues.
- Verified documentation against compliance standards to resolve discrepancies effectively.
- Completed thorough examinations of financial information to uncover potential compliance violations.
Unit Manager
HSBC Bank, N.A
Brandon, USA
06.2011 - 07.2015
- Facilitated team meetings to align on goals, resolve challenges, and exchange best practices.
- Monitored payment processes and account activities to identify discrepancies and escalate compliance issues.
- Analyzed performance metrics to pinpoint areas for process enhancements and training opportunities.
- Trained team members on compliance protocols and payment procedures to ensure operational accuracy.
- Provided coaching and mentoring to enhance staff performance and professional development.
- Participated in recruitment efforts by conducting interviews with potential candidates.
- Created reports detailing departmental activities for senior management review.
- Maintained accurate records of employee attendance and leave requests.
Education
PMP Project Management Professional & Business Analysis -
Computer Coach Training Center
Tampa, FLLife Coach -
Manifest Theological Institute
Tampa, FLBusiness Management, Diploma -
Thomas Jefferson High School
Tampa, FLSkills
- Customer verification and compliance
- Bank Secrecy Act knowledge
- Asset control strategies
- Activity reporting and analysis
- Consumer protection laws
- Lending Act compliance
- Risk management practices
- Compliance monitoring systems
- Internal control frameworks
- Fraud prevention techniques
- Financial analysis skills
- Workflow optimization methods
- Quality assurance standards
- Payment processing expertise
- Data analysis capabilities
- Settlement procedures knowledge
- Housing Act regulations
- Risk assessment methodologies
- Attention to detail
- Team collaboration
- Underwriting policies
- Credit analysis
- Underwriting guidelines
- Quantitative skills
- Microsoft Office
- Organizational skills
- Time management abilities
- Active listening
- Developing policies
- Reliability
- Analytical skills
- Interpersonal communication
- Written communication
- Research skills
- Problem solving
- Data collection
- Financial analysis
- Excellent communication
- Risk management
- Professionalism
- Time management
- Documentation
- Manage risk
- Certified notary public
Timeline
Senior Underwriting Analyst
DTCC
01.2023 - Current
Financial Analyst
Seroled Pharmaceuticals
09.2022 - 01.2023
Due Diligence Underwriter
Consolidated Analytics
03.2021 - 07.2022
Senior Underwriting Analyst
DTCC
03.2019 - 02.2021
Due Diligence Compliance Analyst
Loan Logics
09.2016 - 09.2018
Compliance Analyst
First Guaranty Mortgage
07.2015 - 08.2016
Unit Manager
HSBC Bank, N.A
06.2011 - 07.2015
PMP Project Management Professional & Business Analysis -
Computer Coach Training Center
Life Coach -
Manifest Theological Institute
Business Management, Diploma -
Thomas Jefferson High School