David Honeycutt
RCA Specialist
Aurora,IN
Summary
Experienced in meticulously reviewing financial documents and digital records with a keen eye for detail and a strong ability to identify discrepancies. Proven track record of effectively directing, monitoring, and inspiring team members to ensure accurate and timely completion of investigations and reports. Expertise in training employees to excel in their roles, solving complex problems, and making sound decisions that drive organizational success.
Overview
13
13
years of professional experience
1
1
year of post-secondary education
Work History
Risk, Compliance, and Audit Specialist
U.S. Bank
6 2022 - Current
- Review Currency Transaction Reports (CTRs) for completeness and accuracy to ensure timely filing.
- Escalate transactions that appear unusual.
- Conduct quality reviews of peer CTRs and control reports to verify accuracy and completeness.
- Assist in filing Canadian Financial Transaction Reports to the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).
- Provide technical support and troubleshoot issues to enhance office productivity.
- Develop Microsoft Office tools to improve accuracy and efficiency in the workplace.
- Support Anti-Money Laundering (AML) investigations by conducting quality reviews of Suspicious Activity Reports (SARs).
Loan Operations Specialist II
Nations Reliable Lending
01.2021 - 06.2022
- Served as a liaison between the customer and the underwriter, effectively managing a portfolio of 20 to 30 mortgage applicants simultaneously.
- Provided subject matter expertise by assisting mortgage processors with borrower documentation.
- Collaborated routinely with mortgage loan officers to address and resolve obstacles.
- Reviewed documentation from loan originators to ensure full compliance with all federal regulations.
- Explained complex mortgage industry information to applicants while facilitating access to additional credit opportunities.
- Mitigated potential losses for the organization by identifying early warning signs of borrower distress or default risks within the assigned portfolio.
Mortgage Loan Processor
Infosys BPM
08.2020 - 01.2021
- Engaged with borrowers to navigate the complexities of the mortgage landscape while processing home loan products and allocations.
- Collaborated with Loan Officers to deliver timely and accurate service to clients throughout the entire mortgage process.
- Coordinated the closing process with attorneys, title companies, and government-sponsored enterprises, including FNMA, FHLMC, and FHA.
- Conducted quality checks on data entered into mortgage software systems, such as Empower and Encompass.
- Finalized loan submission packages by ensuring compliance with regulatory requirements and providing necessary documentation.
Risk, Compliance, and Audit Specialist
US Bank
11.2016 - 08.2020
- Reviewed high-risk CTRs to serve as the final safeguard against late filings.
- Conducted quality control assessments of colleagues' work to verify completeness and accuracy.
- Facilitated training sessions and organized team meetings with auxiliary task workgroups.
- Identified and reported an issue concerning conductor information from the teller system, where the conductor was inaccurately listed as "Night."
- Supported AML investigations by conducting inquiries and filing SARs.
Mortgage Loan Processor
Tata Consultancy Services
05.2016 - 11.2016
- Acted as a liaison between customer and underwriter, managing a portfolio of 60 to 70 mortgage loan applications at a time.
- Analyzed complex document requirements and worked with borrowers to streamline the process of submitting borrower documentation.
- Developed reporting tools for management to track processor production.
- Produced and submitted completed loan packages to the Title and Escrow team.
Foreclosure Default Processor
Citigroup, Inc
11.2011 - 05.2016
- Conducted thorough research on mortgage documents to ensure the bank possessed sufficient evidence for foreclosure.
- Collaborated with external vendors to address urgent issues, leading to a 31% reduction in aged inventory over a seven-month period.
- Established partnerships with other businesses to navigate challenges, resulting in an increase in scheduled sales from 1.86% to 11.25%.
- Ensured that all required documentation complied with regulations before submission to the title company.
Education
Master of Science - Business Administration
Indiana Wesleyan University
Marion, Indiana 08.2013 - 2015.08
Bachelor of Science - Business Administration
Indiana University East
Richmond, IN 08.2010 - 2012.05
Master of Science - Criminal Justice
University of Arizona Global Campus
Chandler, AZ 12.2023 - Current
Skills
MS Office
Teamwork and Collaboration
Data Entry
Problem-Solving
Flexible and Adaptable
Analytical and Critical Thinking
Timeline
Master of Science - Criminal Justice
University of Arizona Global Campus
12.2023 - Current
Loan Operations Specialist II
Nations Reliable Lending
01.2021 - 06.2022
Mortgage Loan Processor
Infosys BPM
08.2020 - 01.2021
Risk, Compliance, and Audit Specialist
US Bank
11.2016 - 08.2020
Mortgage Loan Processor
Tata Consultancy Services
05.2016 - 11.2016
Master of Science - Business Administration
Indiana Wesleyan University
08.2013 - 2015.08
Foreclosure Default Processor
Citigroup, Inc
11.2011 - 05.2016
Bachelor of Science - Business Administration
Indiana University East
08.2010 - 2012.05
Risk, Compliance, and Audit Specialist
U.S. Bank
6 2022 - Current
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