Jessica Hernandez
Miami,FL
Summary
Operations and Compliance leader with 15+ years of experience in consumer lending environments, specializing in risk management, regulatory alignment, and loan lifecycle operations. Proven track record of identifying operational and compliance risks, implementing control frameworks, and driving measurable improvements in processing accuracy, audit readiness, and customer outcomes. Experienced in vendor oversight, cross-functional collaboration, and building scalable processes aligned with regulatory requirements.
Overview
12
12
years of professional experience
1
1
Certification
Work History
VP OF OPERATIONS – FL
Fortifi Financial, LLC
Miami, FL
04.2019 - Current
- Led end-to-end loan lifecycle operations (application, underwriting, funding, servicing) for 1,000+ annual applications within a regulated consumer lending environment
- Established and enforced operational controls and risk mitigation frameworks to ensure alignment with internal policies and regulatory expectations
- Identified process gaps and compliance risks across loan processing workflows, implementing corrective actions that improved accuracy, reduced cycle times by 40%, and enhanced audit readiness
- Partnered with Compliance, Risk, and Product teams to support monitoring, testing, and remediation efforts across lending operations
- Developed and maintained SOPs and documentation standards to ensure consistency, traceability, and regulatory compliance across all operational functions
- Oversaw third-party vendors and service providers, ensuring adherence to SLAs, contractual obligations, and compliance requirements
- Implemented QA/QC processes and performance tracking frameworks to monitor operational risk and improve loan processing accuracy
- Supported audit and regulatory review processes by preparing documentation, responding to inquiries, and ensuring timely remediation of findings
- Collaborated with Product and Engineering teams to deploy system enhancements that improved compliance controls and operational efficiency
- Built and led a 100+ person team across customer service, underwriting, and funding while maintaining high performance and quality standards
Director of Operations
Ygrene Energy Fund, Inc.
Miami, FL
01.2014 - 10.2017
- Managed loan origination and closing operations, ensuring compliance with internal policies and applicable consumer lending regulations
- Designed and implemented scalable workflows supporting high-volume transaction processing with strong controls and compliance oversight
- Conducted process evaluations to identify operational and compliance risks, implementing solutions that improved throughput and reduced errors
- Partnered with cross-functional teams to ensure consistent application of policies and procedures across lending operations
- Led team of 75+ employees, improving response times by 25% while maintaining compliance and service standards
- Supported audit readiness and documentation processes, ensuring accuracy and completeness of loan files and operational records
Education
Bachelor of Arts - Business Administration
American International University
PlantationSkills
- Risk & Control Self-Assessment (RCSA)
- Compliance Monitoring & Testing
- Loan Origination & Servicing Oversight
- Regulatory Compliance (TILA, ECOA, FCRA, UDAAP, GLBA)
- Audit Support & Regulatory Exams
- Policy & Procedure Development
- QA/QC & Control Frameworks
- Issue Tracking & Remediation
- Cross-Functional Leadership
Certification
- Certified Advance Microsoft Excel Training - [Completed]
- Current - Mortgage Brokers License - [June-2026]
Languages
Spanish
Timeline
VP OF OPERATIONS – FL
Fortifi Financial, LLC
04.2019 - Current
Director of Operations
Ygrene Energy Fund, Inc.
01.2014 - 10.2017
Bachelor of Arts - Business Administration
American International University