Job Search Status
Open to workDesired start date: Open to discussion
Open To Work
Jessica Pratt
Overland Park,KS
Work Preference
Summary
Accomplished financial services professional with over a decade of experience at UMB Bank, specializing in First Line of Defense activities within loan servicing and insurance compliance. Expertise in evaluating documentation controls and identifying regulatory gaps to effectively support risk mitigation initiatives. Proven track record in ensuring adherence to controls, enhancing documentation governance, and fostering cross-functional collaboration. Recognized as a strong systems thinker with a keen awareness of operational risk and process documentation.
Overview
14
14
years of professional experience
Work History
Loan Servicing Specialist Senior (Insurance)
UMB Bank
09.2017 - Current
- Execute First Line of Defense activities by reviewing and validating flood insurance documentation for a high-volume portfolio of regulated loans.
- Assess documentation against federal regulatory requirements and internal control standards to ensure control effectiveness.
- Identify control gaps (insufficient coverage, expired policies, missing documentation) and initiate corrective action to mitigate regulatory and financial risk.
- Maintain governance over insurance documentation retention processes to ensure audit readiness and regulatory transparency.
- Support internal stakeholders by interpreting regulatory requirements and providing guidance on risk exposure related to collateral coverage.
- Contribute to control environment strength by maintaining consistent documentation standards and reducing compliance exceptions.
- Utilize structured tracking tools and reporting methods to monitor documentation status and remediation timelines.
- Bonus Alignment:
- First Line of Defense experience
- Control adherence monitoring
- Risk identification & remediation
- Documentation governance
Customer Care Specialist (Debit Card)
UMB Bank
03.2012 - 09.2015
- Reviewed exception reports impacting customer debit card accounts to ensure adherence to internal controls and regulatory standards.
- Assisted in developing and updating procedural documentation supporting consistent control execution.
- Contributed to team training efforts reinforcing compliance-driven account handling practices.
Customer Care Specialist (DDA)
UMB Bank
Kansas City, MO
02.2012 - 03.2013
- Resolved customer inquiries efficiently, ensuring high levels of satisfaction and retention.
- Implemented process improvements to enhance service quality and reduce response times.
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Analyzed customer feedback to identify trends and recommend strategic enhancements in service delivery.
Education
No Degree - Associates In Arts
Maple Woods Community College
Kansas City, MOSkills
- First-line controls execution, control adherence & governance
- Regulatory compliance & review (including Flood Insurance regulations)
- Risk identification, assessment & escalation
- Audit readiness, records retention & documentation control
- Policy, procedure & process documentation
- Process improvement, workflow optimization & quality control
- Reporting, monitoring, status tracking & dashboard support
- Advanced Microsoft Excel & Microsoft Office Suite; SharePoint
- Data/documentation review, information gathering & analytical thinking
- Problem-solving, critical thinking & decision making
- Time management, multitasking & task prioritization
- Strong verbal/written communication & relationship building
- Team collaboration, interpersonal skills & professional demeanor
- Adaptability, self-motivation & goal orientation
Accomplishments
Reduced report review times by moving a printed report to Excel for quicker and more accurate comparisons.
Implemented report macros to cut report review time by approximately 70%.
Prepared step-by-step walkthrough training for new associates, reducing one-on-one training time to under 2 months.
Timeline
Loan Servicing Specialist Senior (Insurance)
UMB Bank
09.2017 - Current
Customer Care Specialist (Debit Card)
UMB Bank
03.2012 - 09.2015
Customer Care Specialist (DDA)
UMB Bank
02.2012 - 03.2013
No Degree - Associates In Arts
Maple Woods Community College