IVONNE TORRES
Dallas,TX
Summary
Results-oriented professional with 15 years of experience in financial reporting, internal controls, and audit execution. Skilled at identifying risks, ensuring regulatory compliance, and providing actionable insights for improved financial processes. Recognized for exceptional asset management and expertise in developing, mentoring, and leading staff. Highly motivated and charismatic, consistently delivering quality analysis while embracing change and seeking fresh knowledge. Experienced in both quality assurance and quality control, leveraging analytical and auditing skills to detect trends and patterns of deficiencies and implement necessary remedies. Clear communication, integrity, and a strong utilization of technology to enhance understanding of guidelines and regulations that are integral to day-to-day practices, ensuring success and peace of mind.
Overview
11
11
years of professional experience
Work History
Quality Control Auditor
Mr Cooper (DBA Nationstar)
01.2018 - Current
- Reviewed financial statements, performed internal audits, compliance checks
- Looking for discrepancies by reviewing reporting from Experian/Equifax/TransUnion, verifying liabilities, scores and history
- Research assets such as bank and retirement statements
- Confirm employment using different platforms including Corelogic, VeriTax and Work number
- Adhering to all industry and any overlays requirements
- Special assignment to review Red Flags, income, gift and assets
- Assist with risk quantification considering potential risk and severity
- Identified potential for fraud on over 400 loans a month
- Dispute rejections from IRS transcripts
- Maintaining 98% accuracy
- Available to jump from QC to QA Full reviews and special targeted reviews
- Knowledge of risk governance framework, risk management systems and applicable guidance
- Manage and train offshore team
- Delegate workload for all auditors to review
- Subject matter expert for reverification of assets, liabilities and Employment
Sr. QA Analyst
CAPITAL ONE
01.2016 - 01.2018
- Subject matter expert for Pre-funding loans
- Ensure conformity with underwriting, investor, and regulatory compliance requirements
- Maintain 98% accuracy on completed QA Reviews
- Consistently exceeded team goal of six underwriting loans per day and 6 operational pre-closing QA reviews
- Perform extensive reviews on title report, flood certification, Interior & exterior appraisals, AVM, LSCM, PCR, hazard and flood insurance
- Lead and advise team on feedback error trends during senior management QA vetting sessions
- Selected to represent QA in a Title Pod 'Think tank', created to make the title review process more efficient and accurate
- Serve as team leader during manager’s LOA delivering training to new hires, providing coaching to tenured team members
- Created an Excel spreadsheet that captured a higher volume of errors
- This spreadsheet was shared and used by both Mortgage and Home Equity lines of business
QA Analysis Mortgage
BBVA COMPASS
01.2014 - 01.2016
- Evaluated Pre-closing Fannie Mae, VA, FHA, Conventional, Construction, Jumbo and Foreign National loans, adhering to company and industry guidelines
- Exceeded team expectation of 6 to 8 loans a day by completing 8 to 12 loans a day
- Identified components that indicated potential for fraud
- Verified accuracy of all needed documents on the file such as Title search, Flood certification, Appraisal, HUD, Hazard & Flood insurance
Education
MedVanc
Grand Prairie, TX 01.2008 - 05.2008
Skills
- Strong Analytical Skills
- Fraud detection
- Control/Auditing/Compliance
- Certified Advanced EXCEL
- Complex Income Calculations
- Tax Return Review
- Training/Development
- Bilingual Flaunt English/Spanish
- Leadership Qualities
- Quality Control Processes
- Continuous Improvement
- Auditing Techniques
Accomplishments
- Supervised team of 15 staff members.
- Collaborated with team of 8 in the development of Property Title Pod “Think tank”.
Training
- Certified Underwriter and Due Diligence
- FHA/VA
- Fair Lending
- FCRA
- Reg B Z & O
- Americans with Disability Act
- RBG Home Loans & Insider Trading Awareness
- K-1 Analysis
- TRID 2.0
- Analyzing Financial Statements
- Credit Reporting & Score Update
- Evaluating & Calculating Borrower Income & Assets
- Reviewing Appraisal and Condo Appraisal
- Mortgage Insurance
- Preventing Mortgage Fraud
- Self-Employment Personal & Business Tax Return Analysis
- Refinancing
- Manual Underwriting
- Post-Closing & Endorsement
Obedience K9 training
I've trained shelter dogs, some that were going to be put down the same day. Giving a dog that's misbehaved, abused and/or scared a second chance at life . This allows me to show compassion, love and patience. For me there's no better feeling than to find a furever home for them knowing it will have the best quality of life and bring love and joy to the new family.
Languages
Spanish
Native or Bilingual
Portuguese
Elementary
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Work Preference
Work Location
RemoteImportant To Me
Work-life balanceCompany CultureWork from home optionTimeline
Quality Control Auditor
Mr Cooper (DBA Nationstar)
01.2018 - Current
Sr. QA Analyst
CAPITAL ONE
01.2016 - 01.2018
QA Analysis Mortgage
BBVA COMPASS
01.2014 - 01.2016
MedVanc
01.2008 - 05.2008
Similar Profiles
Rae GodfreyRae Godfrey
(Remote)Customer Service Representative at Nationstar Mortgage DBA Mr. Cooper(Remote)Customer Service Representative at Nationstar Mortgage DBA Mr. Cooper
Amanda SchluerAmanda Schluer
Senior Loan Processor at Nationstar Mortgage DBA Mr. CooperSenior Loan Processor at Nationstar Mortgage DBA Mr. Cooper
Brandy TeagueBrandy Teague
Loan Processor at Nationstar Mortgage DBA Mr. CooperLoan Processor at Nationstar Mortgage DBA Mr. Cooper