Summary
Overview
Work History
Education
Skills
Timeline
Generic

DORETHA M HAMILTON

Dallas,TX

Summary

Compliance professional with extensive experience in regulatory adherence and risk assessment. Adept at fostering collaborative environments and driving compliance initiatives. Known for flexibility and reliability in dynamic settings, leveraging analytical skills and attention to detail.

Experienced with regulatory compliance and risk management. Utilizes analytical thinking to identify and address potential compliance issues. Track record of effective policy implementation and stakeholder communication.

Overview

17
17
years of professional experience

Work History

Compliance Analyst

Covius Services LLC
01.2025 - 05.2025
  • Monitored adherence to industry regulations, ensuring timely reporting of any discrepancies or violations.
  • Supported incident response efforts when breaches were identified by coordinating remediation efforts between multiple departments.
  • Served as a subject matter expert on compliance matters, providing guidance and support to colleagues across various departments.
  • Extensive knowledge of the fair lending and UDAAP related statutes and regulations.
  • Prepared documentation and records for upcoming audits and inspections.
  • Reduced audit timeframes by optimizing compliance monitoring tools and techniques.

Compliance and Risk Analyst III

CONSOLIDATED ANALYTICS
01.2021 - 07.2023
  • Reviewed company marketing materials for accuracy and adherence to regulatory guidelines, reducing instances of non-compliant communications.
  • Managed completion of planned HMDA audits reviewed records and procedures for accuracy to accomplish objectives and appraised policies and plans under audit review.
  • Extensive knowledge of the fair lending and UDAAP related statutes and regulations
  • Utilized auditing and compliance software to advance efficiency
  • Identified risks and opportunities with management to improve business processes
  • Maintained confidentiality of company information obtained in audit assignments.
  • Reviewed audit and monitoring reports related to consumer and client activities.
  • Supported and trained customers on compliance-related issues.

Auditor Risk /Compliance Specialist

OPUS CAPITAL
08.2018 - 03.2020
  • Reviewed company marketing materials for accuracy and adherence to regulatory guidelines, reducing instances of non-compliant communications.
  • Improved compliance with government accounting systems and control requirements to maintain eligibility for government contracting
  • Kept up to date with loan product knowledge, internal policies, procedures, and regulations
  • Determined acceptance or ineligibility on loans by reviewing and identifying discrepancies, deficiencies, and misinformation
  • Design test scripts, execute testing, and comment on operating effectiveness of aligned controls.
  • Extensive knowledge of the fair lending and UDAAP related statutes and regulations
  • Utilized auditing and compliance software to advance efficiency
  • Identified risks and opportunities with management to improve business processes

Auditor Risk /Compliance Auditor

INFINITY CONSULTING SOLUTIONS INC
10.2018 - 12.2018
  • Reviewed company marketing materials for accuracy and adherence to regulatory guidelines, reducing instances of non-compliant communications.
  • Researched and implemented best practices to improve audit results
  • 2nd line of Defense
  • RSCA in laws to maintain adherence to financial regulations
  • Consulted with auditors to complete annual audits and maintain compliance with local, state and federal requirements
  • Extensive knowledge of the fair lending and UDAAP related statutes and regulations
  • Utilized auditing and compliance software to advance efficiency
  • Identified risks and opportunities with management to improve business processes

Audit/Risk Investigator

ACCOUNTING PRINCIPLES INC
08.2018 - 10.2018
  • Extensive knowledge of the fair lending and UDAAP related statutes and regulations
  • Utilized auditing and compliance software to advance efficiency
  • Identified risks and opportunities with management to improve business processes
  • Reviewed risk management database reports for compliance and fraud prevention
  • Reported findings on risk exposures to senior executives and board of directors
  • 3rd Line of Defense
  • Developed in-depth reports, which delivered improved visibility and enabled better control of credit risk
  • Supported development and implementation of initiative-taking approaches to address risk, fraud and collection needs
  • Reviewed portfolios, identifying risk factors and determined methods to alleviate delinquencies.

Compliance Analyst

AMERICAN MORTGAGE CONSULTANTS' INC
06.2018 - 08.2018
  • Extensive knowledge of the fair lending and UDAAP related statutes and regulations.
  • Review process included detailed evaluation of loan documentation to insure they are compliant with the institutions, investors, insurers, government agencies and applicable lending guidelines to determine compliance, loan risk and accessing the quality of the loans
  • Kept detailed records of investigations and communication throughout cases to meet legal standards and promote easy search and retrieval by compliance staff
  • Prepared correspondences to inform concerned parties of licensing decisions or appeals processes
  • Completed in-depth reviews of audit reports, client actions and monitoring activities

Compliance Analyst (Contractor)

BEAL BANK
06.2016 - 04.2018
    • Responsible for performing compliance audit/review of existing mortgage loans that are managed by originating and/or servicing institutions operational controls
    • Reviewed company marketing materials for accuracy and adherence to regulatory guidelines, reducing instances of non-compliant communications.
    • This included analyzing the entire loan documentation file including initial loan application, modification and/or workout documents, payment & credit history, required closing documents.
    • Completed in-depth reviews of audit reports, client actions and monitoring activities 3rd line defense
    • Played key role in successful audit defense, preparing detailed documentation and evidence of compliance.

Compliance Tester (Contractor)

USAA MORTGAGE
11.2015 - 02.2016
    • Extensive knowledge of the fair lending and UDAAP related statutes and regulations.
    • Audit pools of loans and collect data to ensure that underwriting, FHA, HMDA, Federal, State, TILA, RESPA, Fair Lending, AML/ BSA and HAMP Guidelines & Compliance rules are enforced
    • Audit GFE & HUD for compliance and correct calculation for team
    • Audit and review closed and open loans for adherence to established loan guidelines by the financial institution, (OCC) Office of Comptroller of Currency, and investors
    • Review and verified the borrower financial situation, Audit Credentials for fraud
    • Design test scripts, execute testing, and comment on operating effectiveness of aligned controls 2nd Line of Defense
    • Determine and document loan conditions and communicate the requirements and/or decisions including final loan decisions
    • Retrieve Loan sample data from Excel and Access Database.

Quality Assurance Senior Reviewer

FORTACE LLC
03.2013 - 02.2014
  • Responsible for performing audit/review of mortgage loans, identifying/addressing compliance issues and document deficiencies
  • Extensive knowledge of the fair lending and UDAAP related statutes and regulations.
  • Accountable for monitoring adherence to underwriting and documentation standards prescribed by the Investors,
  • Insurers and applicable lending regulations, analyzing risks and assessing the quality of the loans
  • Including analyzing loan documentation file (1003, 1008, modification and/or workout documents, payment & credit history, appraisal, required closing documents (RESPA, GFE, TIL, HUD-1, Title Policy, etc.) and borrower and institution correspondence
  • Duties performed under limited supervision during remote review process, applying underwriting skills to review the work of production underwriters to verify credit decision and compliance with Agency and Investors guidelines
  • Operational controls with established guidelines.
  • Maintained strong attention to detail while reviewing numerous documents daily, ensuring consistent quality and accuracy.

Audit/Risk Analyst

TRELIANT RISK ADVISORS
02.2013 - 02.2014
  • Reviewed risk management database reports for compliance and fraud prevention
  • Analyzed reporting strategies and data to.2nd line of defense
  • Reviewed portfolios, identifying risk factors and determined methods to alleviate delinquencies Flod testing of RCSA
  • Implemented operational vision for data analytics and reporting, including identification of key requirements and continuous improvement opportunities operational controls
  • Supported development and implementation of proactive approaches to address risk, fraud and collection needs
  • Extensive knowledge of the fair lending and UDAAP related statutes and regulations

Compliance/Auditor

COGNITIVE OPTION GROUP, LLC
07.2012 - 02.2013
  • Reviewed company marketing materials for accuracy and adherence to regulatory guidelines, reducing instances of non-compliant communications.
  • Extensive knowledge of the fair lending and UDAAP related statutes and regulations.
  • Enhanced overall compliance culture within the organization by promoting awareness campaigns and reinforcing ethical behavior expectations among employees.
  • Conducted regular audits of internal processes, identifying areas for improvement and implementing corrective actions.
  • Advised clients on compliance fraud and investigations, as well as potential remedies and required actions.

Auditor Risk /Compliance Auditor

BANK OF AMERICA
07.2011 - 02.2012
  • Maintained compliance records and kept track of violations
  • Analyzed specific risks within specific areas of client operations to avoid compliance issues 1st line of defense
  • Maintained operational adherence to regulations and internal standards applicable to client business
  • Researched and implemented best practices to improve audit results
  • Reviewed company marketing materials for accuracy and adherence to regulatory guidelines, reducing instances of non-compliant communications.
  • Developed strong relationships with clients, building trust and ensuring a high level of satisfaction during the audit process.
  • Diminished financial discrepancies and accurately reconciled accounts using detailed data analysis results.

Audit/Risk Investigator

CHASE HOME OWNERSHIP CENTER
03.2011 - 06.2011
  • Reviewed risk management database reports for compliance and fraud prevention
  • Analyzed reporting strategies and data to
  • 2nd line of Defense
  • Implemented operational vision for data analytics and reporting, including identification of key requirements and continuous improvement opportunities
  • Developed in-depth reports, which delivered improved visibility and enabled better control of credit risk
  • Collaborated with law enforcement officials for physical security breaches, safety emergencies and fraud cases
  • Maintained up-to-date knowledge on industry best practices, ensuring compliance with relevant regulations and standards.

Assistant Project Manager

FDIC
07.2008 - 10.2010
  • Provided leadership and direction to gain control, manage and preserve the value of the failed institution $750 million assets and RSCA controls
  • Ensured client satisfaction through consistent communication, providing updates on progress and addressing concerns promptly.
  • Reviewed and evaluated existing contracts of institution including commercial and consumer notes, secularization agreements, letters of credit, revolving lines of credit, service and employment contracts
  • Responsible for managing performing and non-performing commercial real estate portfolios from failed FDIC institutions including: the liquidation of loan assets, loss mitigation, asset rehabilitation assessment, borrower negotiations, extensive credit and collateral review, site inspections and reviews
  • Possessed the FDIC requirement of SECRET security clearance.

Education

Certificate in Real Estate in Real Estate -

Graduate Leonard Real Estate School
Arlington, TX
10.1998

Bachelor's in Bachelor's Degree - Computer Information Systems

Angelo State University
San Angelo, TX
08.1986

Bachelor's in Bachelor's Degree - Business Administration

DeVry University
Irving, TX
12.1984

Skills

  • Data-driven problem solving
  • Financial audit support
  • Financial analysis proficiency
  • Customer complaint resolution
  • Efficient time management
  • Risk assessment techniques
  • Testing script development
  • Conflicting data analysis
  • Investigation scope definition
  • Layered defense approach
  • Financial consulting expertise
  • Fraud detection proficiency

Timeline

Compliance Analyst

Covius Services LLC
01.2025 - 05.2025

Compliance and Risk Analyst III

CONSOLIDATED ANALYTICS
01.2021 - 07.2023

Auditor Risk /Compliance Auditor

INFINITY CONSULTING SOLUTIONS INC
10.2018 - 12.2018

Auditor Risk /Compliance Specialist

OPUS CAPITAL
08.2018 - 03.2020

Audit/Risk Investigator

ACCOUNTING PRINCIPLES INC
08.2018 - 10.2018

Compliance Analyst

AMERICAN MORTGAGE CONSULTANTS' INC
06.2018 - 08.2018

Compliance Analyst (Contractor)

BEAL BANK
06.2016 - 04.2018

Compliance Tester (Contractor)

USAA MORTGAGE
11.2015 - 02.2016

Quality Assurance Senior Reviewer

FORTACE LLC
03.2013 - 02.2014

Audit/Risk Analyst

TRELIANT RISK ADVISORS
02.2013 - 02.2014

Compliance/Auditor

COGNITIVE OPTION GROUP, LLC
07.2012 - 02.2013

Auditor Risk /Compliance Auditor

BANK OF AMERICA
07.2011 - 02.2012

Audit/Risk Investigator

CHASE HOME OWNERSHIP CENTER
03.2011 - 06.2011

Assistant Project Manager

FDIC
07.2008 - 10.2010

Bachelor's in Bachelor's Degree - Computer Information Systems

Angelo State University

Bachelor's in Bachelor's Degree - Business Administration

DeVry University

Certificate in Real Estate in Real Estate -

Graduate Leonard Real Estate School

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DORETHA M HAMILTON