Emily Day
Centreville,VA
Summary
Compliance professional with 7+ years as a Compliance Support Analyst in the mortgage industry. Seeking a position in a reputable organization to ensure regulatory compliance, uphold high standards, and drive continuous improvement through staying current on industry regulations and best practices.
Overview
9
9
years of professional experience
Work History
Compliance Specialist
Waterstone Mortgage
08.2024 - Current
- Collaborated with cross-functional teams for the successful implementation of new compliance initiatives.
- Monitored adherence to industry regulations, ensuring timely reporting of any discrepancies or violations.
- Served as a “help desk” on compliance matters, providing guidance and support to colleagues across various departments.
- Trained thoroughly in ATR/ QM regulations.
Compliance Specialist / Quality Assurance
Prosperity Home Mortgage
03.2020 - 04.2023
- Oversaw implementation of corrective actions and monitored response to identified issues and audits. This includes eConsent violations, TRID violations, variance cures caused by Operations and implementing plans to resolve.
- Prepared and maintained compliance reports (pipelines, etc) for management review.
- Assisted with regulatory and annual compliance examinations.
- Primarily worked as the first line of support via email and telephone with my team and acquired a high volume of emails/calls daily.
- Worked as the liaison between PHM and SmartFees / CoreLogic within our Encompass system to maintain provider fees, settlement agents, locations to ensure accuracy upon import.
- Performed routine audits and quality assurance reviews to test operational processes. Frequently used Sharepoint and Teams for data sharing with management/ team members.
Disclosure Desk Specialist
Prosperity Home Mortgage
01.2016 - 03.2020
- Reviewed closing paperwork for confirmation of adherence to federal and state regulations.
- Provided regulatory compliance training to employees.
- Worked various pipelines to verify and/or complete any missing steps. (Appraisals, eConsent, Commitment Letters)
- Created and Prepared LE and CD Disclosures appropriate with TRID guidelines.
- Ensured accuracy with SmartFees imports, Attorney Fees, analyzed any tolerance cures and advising with Compliance.
Skills
- Loan Estimates/ Closing Disclosures/ TRID
- Special Projects
- Encompass/ Sharepoint
Timeline
Compliance Specialist
Waterstone Mortgage
08.2024 - Current
Compliance Specialist / Quality Assurance
Prosperity Home Mortgage
03.2020 - 04.2023
Disclosure Desk Specialist
Prosperity Home Mortgage
01.2016 - 03.2020
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