Gema Carmona
Miami,FL
Summary
Experienced affordable housing professional with over a decade of expertise in LIHTC compliance, property operations, and management systems implementation. Proven ability to oversee audits, certifications, and regulatory updates across multi-state affordable housing portfolios. Known for delivering effective staff training, ensuring program compliance, and driving operational efficiency through strategic system integration and process improvement.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Compliance Manager
AP Companies
Miami, US
01.2025 - Current
- Oversee full compliance operations for a LIHTC (Low-Income Housing Tax Credit) portfolio, ensuring adherence to federal, state, and local housing regulations
- Monitor applicant eligibility and income qualifications in accordance with HUD and LIHTC program requirements, including initial certifications, annual recertifications, and interim re-certifications
- Conduct detailed file audits and quality assurance reviews to ensure accuracy and completeness of resident files and compliance documentation
- Update and maintain annual income limits, maximum rent schedules, and utility allowances in accordance with state and county guidelines to ensure regulatory compliance
- Train and support site staff on compliance requirements, updates in program regulations, and best practices for accurate file processing and documentation
- Collaborate with property managers, regional managers, and corporate leadership to resolve compliance issues and maintain property eligibility under LIHTC guidelines
- Maintain up-to-date knowledge of program changes and compliance trends through ongoing education and industry networking
Operations Manager
AP Companies
Miami, US
07.2019 - 12.2024
- Led operational strategy and system implementation for the affordable housing division, with a strong focus on Tax Credit compliance and adherence to all regulatory requirements
- Managed new user access and system setup for all property management platforms, ensuring smooth onboarding and consistent configuration across the portfolio
- Delivered ongoing systems support to staff via the internal support ticket platform, resolving technical and operational issues efficiently
- Conducted onboarding and training for new hires, focusing on property management systems, company policies, and affordable housing compliance
- Implemented and oversaw key systems including RealPage OneSite, RealPage Utility Management, OpsTechnology, and BlueMoon leases
- Maintained and updated company policies through SOP Policy Partner, aligning procedures with regulatory and operational needs
- Administered the Grace Hill learning platform, uploading reference guides and training content to support employee development
- Supported file audits and reviews by applying in-depth knowledge of Tax Credit programs, ensuring compliance and file accuracy
Property Manager
AP Companies
Miami, US
01.2016 - 07.2019
- Managed day-to-day operations of a LIHTC affordable housing community, ensuring full compliance with Tax Credit regulations and performance standards
- Supervised on-site staff including leasing, maintenance, and vendors to maintain operational excellence and resident satisfaction
- Prepared and submitted the annual operating budget; monitored monthly financials to ensure spending remained within budget
- Generated and submitted monthly variance reports, providing explanations for budget deviations to corporate and ownership teams
- Oversaw initial and annual resident certifications and re-certifications to maintain LIHTC compliance
- Ensured timely rent collection, monitored delinquencies, and supported enforcement of lease agreements and eviction procedures when necessary
- Conducted unit inspections and worked with maintenance teams to uphold property standards and compliance readiness
Assistant Property Manager
AP Companies
Miami, US
02.2015 - 01.2016
- Supported property operations at a LIHTC affordable housing site, assisting with leasing, compliance, rent collection, and resident relations
- Conducted income verifications, processed move-ins/move-outs, and maintained compliance with LIHTC program requirements
- Assisted with monthly reporting, file audits, and maintaining organized and compliant resident files
- Collaborated with the Property Manager to resolve resident issues, address maintenance concerns, and ensure lease enforcement
- Handled financial duties including rent posting, deposits, and supporting budget control measures
Leasing Consultant
AP Companies
Miami, US
02.2014 - 02.2015
- Leased affordable housing units within a LIHTC community, ensuring all prospects met program eligibility and income requirements
- Assisted applicants with the leasing process, including intake, income verification, third-party documentation, and move-in compliance
- Conducted community tours and provided excellent customer service to prospective and current residents
- Maintained accurate waitlists and applicant files in compliance with LIHTC guidelines and Fair Housing regulations
- Supported the compliance team by gathering documentation and preparing files for audit readiness
Administrative Assistant
Optima Cargo & Logistics Inc
Miami, US
08.2009 - 06.2013
- Respond to clients inquiries via email and telephone
- Manage account receivables and accounts payables
- Supply management and equipment maintenance
- Generate reports such as customer's online orders, vacation updates, and weekly income reports
- Confirm daily pickups and dispatch trucks to their destination
Education
High school Diploma -
G. Holmes Braddock Senior High
Miami, FL01.2009
Some College (No Degree) - Information And Computer Systems
Miami Dade College
Miami, FLSkills
- Proficient in Microsoft Office
- Skilled in bilingual communication
- Low-Income Housing Tax Credit expertise
- Multi-State Regulatory Compliance
- HUD EIV (Enterprise Income Verification) System Experience
- Audit Preparation & File Review Support
- Affordable Housing Regulations
- Property Operations & Site Management
- Budget Preparation and Variance Reporting
- Staff Training & Onboarding
- Company Policy Management (SOP Policy Partner)
- Internal Support Ticket System Oversight
- RealPage OneSite expertise
- BlueMoon Lease Integration
- Grace Hill LMS Administration
- System Integration and User Access Management
- Resident Relations & Lease Enforcement
- Team leadership and cross-functional collaboration
Personal Information
Work Permit: Authorized to work in the US for any employer
Certification
Housing Credit Certified Professional (HCCP)
Timeline
Compliance Manager
AP Companies
01.2025 - Current
Operations Manager
AP Companies
07.2019 - 12.2024
Property Manager
AP Companies
01.2016 - 07.2019
Assistant Property Manager
AP Companies
02.2015 - 01.2016
Leasing Consultant
AP Companies
02.2014 - 02.2015
Administrative Assistant
Optima Cargo & Logistics Inc
08.2009 - 06.2013
High school Diploma -
G. Holmes Braddock Senior High
Some College (No Degree) - Information And Computer Systems
Miami Dade College
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