Dary Phetsamone
WELLS FARGO
Des Moines,IA
23
years of professional experience
Strategic and results-driven professional with over a decade of progressive experience in financial services, specializing in enterprise remediation, risk governance, and operational transformation within banking and mortgage operations. Proven success leading high-impact initiatives at Wells Fargo across roles in issue management, process optimization, and regulatory compliance. Adept at driving end-to-end change initiatives, enhancing cross-functional collaboration, and executing scalable solutions that improve efficiency, reduce risk, and elevate customer experience. Currently seeking to fulfill and exceed expectations in a forward-thinking organization where strategic insight, operational excellence, and change leadership are valued, committed to delivering measurable results and driving sustainable business success.
Work History
Senior Business Execution Consultant
2 Years 10 Months- Led enterprise-level remediation initiatives across multiple high-risk issue portfolios, delivering consistent project execution and reducing compliance exposure through proactive risk controls and stakeholder alignment.
- Directed multiple concurrent change initiatives using Agile tools like Jira, balancing competing priorities and ensuring on-time delivery with measurable improvements in operational workflow efficiency.
- Championed cross-functional collaboration with business units, risk, and operations teams to develop scalable processes that streamlined issue resolution and enhanced audit readiness across banking operations.
- Developed and maintained comprehensive project artifacts milestones, process maps, communication plans that improved visibility, reduced delays, and supported strategic decision-making across senior leadership.
- Analyzed trends across operational complaints and implemented targeted process improvements that led to decrease in repeat issues and improved customer satisfaction within mortgage and financial service workflows.
Operational Risk Consultant, VP
3 Years 2 Months- Collaborated with cross-functional stakeholders to assess and redesign QA testing controls across issue portfolios, resulting in a reduction in repeat audit findings.
- Conducted comprehensive risk assessments and Failure Modes and Effects Analysis (FMEA), identifying and addressing control gaps that improved compliance integrity across complaint handling functions.
- Led remediation efforts for high-risk SHRP issues, applying root cause analysis and regulatory frameworks to deliver timely and effective resolution strategies aligned with enterprise policies.
- Created and presented senior-level reporting in partnership with the ECMO Data Analytics team, driving leadership visibility and decision-making through data-informed insights.
- Orchestrated multi-phase issue resolution initiatives across lines of business, ensuring adherence to timelines, resource alignment, and policy compliance with a 98% resolution rate within SLA.
- Streamlined intake, exam management, and control validation processes by standardizing workflows and enhancing stakeholder collaboration, which improved remediation cycle time.
Lead Underwriter
3 Years 3 Months- Led high-impact Customer Impact Ticket (CIT) and Commitment to Customer (C2C) remediation projects, driving resolution of system and process failures across mortgage operations and ensuring compliance with regulatory expectations.
- Designed and implemented risk-based corrective action strategies that improved operational efficiency while reducing remediation cycle time across high-risk mortgage servicing processes.
- Collaborated with senior stakeholders and business units to assess internal control effectiveness, resulting in the development of mitigation plans that prevented repeat issues and improved customer outcomes.
- Facilitated training programs for Home Preservation Underwriting teams, increasing team readiness and issue response accuracy through targeted knowledge delivery and process reinforcement.
- Provided consultative oversight on enterprise remediation programs including SHRP projects, successfully managing cross-functional teams and ensuring timely delivery of risk mitigation initiatives.
Lending Manager
2 Years 8 Months- Managed and developed a high-performing team of 12 underwriters, implementing structured training programs that reduced credit risk error rates.
- Introduced operational enhancements including remote work policies and staggered shifts across time zones, which increased employee engagement and reduced turnover to zero over two consecutive years.
- Directed quality assurance and peer review processes across complex loan portfolios, improving decision accuracy and maintaining compliance with mortgage and home equity policy standards.
- Identified process inefficiencies and implemented corrective actions that improved underwriter productivity, while maintaining adherence to strict regulatory and investor guidelines.
- Collaborated cross-functionally to align underwriting practices with enterprise risk strategy, contributing to enhanced portfolio stability and improved audit readiness.
Consumer Loan Underwriter I - IV
10 Years 5 Months- Led team operations for 90 days in the absence of a lending manager, successfully overseeing loan modification strategies that prevented foreclosure and stabilized at-risk mortgage accounts.
- Designed and implemented procedures for on-site loan modification events in collaboration with underwriting teams, reducing decision turnaround time from 3 days to just 1 hour.
- Conducted second-level reviews and provided expert guidance to underwriters during the event application process, ensuring accuracy and compliance with HAMP and internal policy.
- Managed end-to-end assessments of complex home modification loan applications, supporting both Home Mortgage and Home Equity portfolios with an emphasis on customer retention and delinquency prevention.
- Delivered high-quality decisions and supported escalated cases with a customer-first approach, enhancing service responsiveness and increasing overall resolution rates.
- Experience in Home Equity, FHA, VA and Loss Mitigation underwriting. Direct Endorsed by HUD.
Education
Bachelor of Arts - Finance And Banking
Skills
Strategic Operations Management
Business Process Improvement
Enterprise Risk & Compliance Oversight
Regulatory Remediation (CIT
C2C
SHRP)
Project Lifecycle Management (Agile & Waterfall)
Change Management & Implementation
Cross-Functional Collaboration
Financial & Mortgage Operations Expertise
Issue Identification & Root Cause Analysis
Corrective Action Planning
Internal Controls & Risk Assessment
Quality Assurance & Process Audits
Stakeholder & Executive Communication
Team Leadership & Staff Development
Customer Experience Optimization
Policy & Procedure Development
Training & Performance Coaching
Data Analysis & Dashboard Reporting
SLA Monitoring & Workflow Optimization
Tools: Jira
SharePoint
Visio
MS Project
Past Professional Experience
THE BARRENT GROUP - Senior Quality Assurance Analyst | 2012
Wells Fargo - Consumer Loan Underwriter III - Home Mortgage | 2009 – 2012
Wells Fargo - Consumer Loan Underwriter I, II & III, Consumer Credit Group | 2002 – 2009
Education and Training
other
Timeline
Senior Business Execution Consultant
WELLS FARGO
08.2022 - 06.2025Read More
Operational Risk Consultant, VP
WELLS FARGO
06.2019 - 08.2022Read More
Lead Underwriter
WELLS FARGO
03.2016 - 06.2019Read More
Lending Manager
WELLS FARGO
07.2013 - 03.2016Read More
Consumer Loan Underwriter I - IV
WELLS FARGO
11.2002 - 04.2013Read More
Buena Vista University
Bachelor of Arts from Finance And Banking
Read More