JUANITA LING
Hinesville,GA
Summary
A forward-thinking Senior Risk Specialist with advanced knowledge in Financial Services Risk and Compliance. As a resourceful problem solver and Subject Matter Expert in Compliance and Risk Mitigation, assist teams to outperform their business objectives by managing projects and assignments with an organized and detail-oriented mindset.
Overview
12
12
years of professional experience
Work History
OPERATIONAL RISK & CONTROLS SENIOR SPECIALIST
Computershare/Specialized Loan Servicing (SLS)
01.2022 - Current
- Contributes to enhancement of processes and controls within SLS
- Devises and implements processes and procedures to streamline operations.
- Manages assigned projects from inception to completion, ensuring timely delivery and regulatory compliance.
- Conducts annual CFPB Risk Assessment Review across Servicing Operations
- Conducts Annual Culture of Controls Assessment
- Performs weekly Quality Control Reviews of all closed events/issues within Operations
- Performs Annual Servicing Fee Review to ensure all controls are in place and are tested as part of review
- Conducts various audits within Servicing Operations as required by Business Controls, i.e Shared Drive Access, Annual Loss Mitigation Incentive Compensation Plan (ICP), and Critical Vendor Oversight.
- Helps to meet changing demands by recommending improvements to business systems or procedures.
- Creates and delivers presentations to internal and external stakeholders to showcase work.
- Follows all company policies and procedures to deliver quality work.
- Collaborates with cross-departmental teams in developing cohesive strategies aimed at achieving long-term organizational goals.
SENIOR QUALITY RISK ANALYST
loanDepot
02.2021 - 01.2022
- Collaborated with Leadership within Credit Risk Management to build out reporting communicated to Senior and Executive Management
- Utilized CMS and Tableau as systems of record to extract data for analysis and reporting purposes
- Analyzed data and identifies process gaps or risk issues.
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
QUALITY CONTROL AUDITOR
Kforce/USAA - Contract Position
09.2020 - 11.2020
- Analyzed and evaluated data; performed testing of Foreclosure tasks completed by sub-servicer, Mr. Cooper (formerly Nationstar Mortgage)
- Ensured compliance with Investor guidelines, Federal, State and Local regulations.
RISK COMPLIANCE AUDIT PROFESSIONAL V
U.S. Bank
02.2012 - 09.2020
- Partnered with Business Lines, Financial Crime Compliance (FCC), Economic & Financial Crimes Commission (EFCC), and other Risk areas; created/oversaw controls for Anti-Money Laundering (AML), Economic Sanctions (ES), and Know Your Customer (KYC)
- Created test scripts for new Quality Assurance/Quality Control auditing
- Managed two-year project to identify all customer-facing fees and designed/implemented centralized oversight program for Mortgage Servicing fees
- Managed oversight program for compliance to Fair and Responsible Banking (FaRB) regulations with customer-facing fee changes for Consumer and Business Banking Operations (CBBO) groups
- Responded to requests from Corporate Audit Services (CAS) and other audit entities
- Reported identified risk issues to upper Management as well as Steering Committee members and made risk mitigation recommendations
- Analyzed business processes, key risks and critical controls
- Evaluated adequacy of control designs
- Utilized appropriated sampling and control testing techniques to adhere to Corporate Audit Services (CAS) guidelines
- Audited Default Business Line procedures, i.e
- Real Estate Owned (REO), Foreclosure, Bankruptcy, Loss Mitigation
- Accurately identified and reported root causes/corrective actions.
- Participated in team projects, demonstrating ability to work collaboratively and effectively.
- Skilled at working independently and collaboratively in team environment.
- Developed strong communication and organizational skills through working on group projects.
- Paid attention to detail while completing assignments.
- Cultivated interpersonal skills by building positive relationships with others.
- Developed and maintained courteous and effective working relationships.
- Demonstrated high level of initiative and creativity while tackling difficult tasks.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Identified issues, analyzed information and provided solutions to problems.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Managed time efficiently in order to complete all tasks within deadlines.
Education
Master of Science - Management
Austin Peay State University
Clarksville01.2011
Bachelor of Arts - Management & Human Relations
Trevecca Nazarene University
Nashville, TN01.2010
Skills
- Mortgage Servicing (Conventional, GSE)
- Risk Assessment (RCSA, ECRA)
- Issue Resolution
- Data/Content Management
- Banking Systems
- Project Management
- Strong Customer/Client Care Focus
- AML/KYC/OFAC Guidelines
- Mastery of creating Testing Scripts
- Root Cause Analysis
- Quality Assurance/Control
- Banking and Regulatory Compliance
- Quality Assurance
- Process Improvement
- Audit reporting
- Process Mapping
Timeline
OPERATIONAL RISK & CONTROLS SENIOR SPECIALIST
Computershare/Specialized Loan Servicing (SLS)
01.2022 - Current
SENIOR QUALITY RISK ANALYST
loanDepot
02.2021 - 01.2022
QUALITY CONTROL AUDITOR
Kforce/USAA - Contract Position
09.2020 - 11.2020
RISK COMPLIANCE AUDIT PROFESSIONAL V
U.S. Bank
02.2012 - 09.2020
Master of Science - Management
Austin Peay State University
Bachelor of Arts - Management & Human Relations
Trevecca Nazarene University
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