Open To Work
Dana Stone
Kingsland,GA
Summary
Results-driven underwriting professional with solid background in risk assessment and financial analysis. Known for strong collaboration skills and commitment to achieving high-quality results. Effective at adapting to evolving market conditions and utilizing analytical tools to support decision-making.
Overview
18
18
years of professional experience
Work History
Global Financial Crimes Investigator
Bank of America
01.2024 - 07.2025
- Conducted routine to complex investigations, which included elements of elder abuse, fraud committed by external parties, money laundering, or terrorist financing and acted as the liaison to Law Enforcement as required.
- Completed investigations including customer data, public records, social media platforms or other external research tools to aide in the investigation to determine whether banking activity appeared to be normal for the client type. While ensuring cases met or exceeded closure and quality metrics, reporting facts of the investigation to assist in identifying potential operational or compliance risks and completing Suspicious Activity Reports (SAR) in a timely and accurate manner for submission to regulators and/or law enforcement.
- Implemented robust risk assessment methodologies, significantly reducing exposure to financial crimes.
- Maintained a working knowledge of Bank Secrecy Act (BSA), USA PATRIOT ACT, Anti-Money Laundering effort's, Office of the Foreign Assets Control (OFAC) and awareness of industry best practices while managing a significant case inventory and prioritizing cases based upon risk and/or management direction while adhering to department Service Level Agreement (SLA).
- Assisted in compiling reports on suspected financial crimes and irregularities for further analysis.
- Collaborated with cross-functional teams to gather information related to financial crime investigations.
- Supported the implementation of compliance programs focused on detecting and preventing financial crimes.
- Collaborated with cross-functional teams for effective execution of global financial crime prevention initiatives.
- Mitigated reputational risks associated with sanctions violations by implementing stringent screening procedures for new customers and business partners.
Corporate Underwriter
Bank of America
07.2019 - 01.2024
- Performed underwriting of very high risk and complex mortgages, primarily in the $1mm+loan amounts. Performed in depth individual and corporate tax return analysis for both wage earning and self-employed applicants, as well as executives with layered ownership interests in multiple companies and/or entities.
- Completed complex asset reviews for higher net worth borrowers with multiple sources of percentages of liquidity, including cash, vested stock shares, invested restricted stock, multiple retirement vehicles and equity ownership interests that must be utilized for qualifying purposes using different qualifying guideline parameters.
- Determined and documented loan conditions and communicated requirements to sales team. Reviewed documentation submitted from the sales team to determine if documentation satisfied condition requirements.
- Excellent organizational, mathematical verbal and written communication skills with attention to detail.
- Supported team members to identify potential solutions for difficult loans.
- One on one/sole underwriting support for high producint Loan Officer.
Non-Delegated, Non-Agency Senior Underwriter
JP Morgan Chase
01.2012 - 02.2019
- Evaluated risk factors including the review of credit, financial statements and income analysis to determine loans met underwriting guidelines and policies and communicated with customers.
- Reviewed policy modifications, ensuring adherence to company standards and regulatory requirements.
- Jumbo, Non-Agency and Agency reviews.
Reps and Warrants Underwriting Auditor
Bank of America Home Loans
12.2010 - 01.2012
- Reviewed and examined repurchase claims from Government sponsored enterprises and private investors.
- Determined through a thorough underwriting review whether contractual obligations were violated, which included reviewing previous guidelines dated when the loan was originated.
- Defended loan repurchase claims by formulating compelling arguments through persuasive writing to help mitigate loss.
- Organize and present valid documentation that supports an appeal or repurchase of a claim.
Conventional Mortgage Underwriter
Bank of America Home Loans
03.2007 - 12.2010
- Underwrite complex residential loans ensuring compliance to company and industry policy and procedures, which also including underwriting jumbo loans.
- Determining and documenting loan conditions and communicating requirements and/or decisions to sales and processing teams.
- Reviewing documentation submitted from sales and processing teams to ensure documentation satisfied requirements for conditions placed on the loan.
- Assisting and identifying, recommending and/or negotiating alternative loan requirements and/or loan-structuring solutions.
- Reviewing financial statements, credit reports, appraisals and applicable ratios to ensure accuracy and completness.
- Implement fraud detection techniques to make appropriate decisions.
Education
High School Diploma -
Andrew Jackson High School
Jacksonville, FLSkills
- Suspicious activity reporting
- Transaction monitoring
- Ethics and integrity
- Know your customer
- Training and mentoring
- Analyzing data
- Risk assessments
- Underwriting guidelines
- Loss Mitigation
- Industry trends
- Sales support
- Quality control
- Building strong relationships
Work Preference
Job Search Status
Open to workWork Type
Full TimeLocation Preference
RemoteOn-SiteHybridSalary Range
$95000/yr - $200000/yrTimeline
Global Financial Crimes Investigator
Bank of America
01.2024 - 07.2025
Corporate Underwriter
Bank of America
07.2019 - 01.2024
Non-Delegated, Non-Agency Senior Underwriter
JP Morgan Chase
01.2012 - 02.2019
Reps and Warrants Underwriting Auditor
Bank of America Home Loans
12.2010 - 01.2012
Conventional Mortgage Underwriter
Bank of America Home Loans
03.2007 - 12.2010
High School Diploma -
Andrew Jackson High School
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