Cooking
Kelley Sanchez-Rippy
Land O' Lakes,United States
Summary
Results-oriented professional with a strong work ethic and a focus on building productive relationships. Seeking a position with a company that values loyalty, drive, enthusiasm, and hard work.
Overview
22
22
years of professional experience
Work History
Senior Quality Assurance Analyst AVP
Wells Fargo
07.2022 - 10.2024
- Company Overview: Remote, United States.
- Responsible for evaluating, monitoring, assessing, and/or reviewing programs, processes, claims, documentation, and/or files to ensure compliance with internal company requirements and/or agency or government regulations.
- Evaluating processes to ensure business standards are followed; providing guidance to lenders and other staff regarding documentation requirements; or evaluating in-process, closed, canceled, and declined credit applications, insurance claims, accounts, files, systems, and/or processes to ensure company standards are met.
- Ensures corrective action on exceptions and problems identified, required data is input, and proper procedures were followed.
- Ensures identified risks and/or problems are clearly documented and interacts with appropriate parties for timely resolution.
- Performs ongoing reviews and generates reports summarizing results.
- Identifies risks and problem areas and recommends standards, policies, and procedures to correct deficiencies and improve performance.
- Design and conduct training programs.
- Create procedures and control reviews.
- Test new ways of performing tasks effectively and timely.
- Create learning opportunities for reviewers when procedures and controls are not followed.
- Developed and implemented quality assurance strategies, processes and procedures to ensure product reliability.
- Conducted regular audits on production processes to ensure compliance with standards.
- Created detailed reports on identified problems, analyzing root causes and suggesting corrective actions.
- Participated in cross-functional teams to develop methodologies for improving product quality assurance process flows.
- Developed training materials related to Quality Assurance practices and procedures.
- Coached junior staff members on best practices within the Quality Assurance field.
- Maintained up-to-date knowledge of company and federal regulations to drive product quality, consistency and compliance.
- Created, edited and updated project manuals and technical documentation used by entire QA team.
SR Mortgage Quality Analyst
SitusAMC
Tampa, United States
05.2020 - 07.2022
- Company Overview: Tampa, FL.
- Review mortgage loan files to ensure accuracy of information and verify presence of all required documents. Documents may include credit, title, appraisals, credit documents, property valuation, loan-to-value ratios, debt-to-income ratios, and compliance documents.
- Audit files relating to credit, collateral, capacity, and compliance.
- Audit files following TRID/HMDA guidelines.
- Analyze calculations and verifications of income and assets, and evaluations of credit reports, purchase contracts, appraisals, title commitments, and other loan pertinent documentation.
- Ensured compliance with company standards, regulations and procedures related to quality control.
Senior Quality Assurance Analyst
Granite Solutions
Remote, FL
04.2020 - 07.2022
- Company Overview: Contractor for Wells Fargo, Remote, United States.
- Responsible for evaluating, monitoring, assessing, and/or reviewing programs, processes, claims, documentation, and/or files to ensure compliance with internal company requirements and/or agency or government regulations.
- Evaluating processes to ensure business standards are followed; providing guidance to lenders and other staff regarding documentation requirements; or evaluating in-process, closed, canceled, and declined credit applications, insurance claims, accounts, files, systems, and/or processes to ensure company standards are met.
- Ensures corrective action on exceptions and problems identified, required data is input, and proper procedures were followed.
- Ensures identified risks and/or problems are clearly documented and interacts with appropriate parties for timely resolution.
- Performs ongoing reviews and generates reports summarizing results.
- Identifies risks and problem areas and recommends standards, policies, and procedures to correct deficiencies and improve performance.
- Design and conduct training programs.
- Create procedures and control reviews.
- Test new ways of performing tasks effectively and timely.
- Create learning opportunities for reviewers when procedures and controls are not followed.
- Developed and implemented quality assurance strategies, processes and procedures to ensure product reliability.
- Conducted regular audits on production processes to ensure compliance with standards.
- Created detailed reports on identified problems, analyzing root causes and suggesting corrective actions.
- Participated in cross-functional teams to develop methodologies for improving product quality assurance process flows.
- Developed training materials related to Quality Assurance practices and procedures.
- Coached junior staff members on best practices within the Quality Assurance field.
- Maintained up-to-date knowledge of company and federal regulations to drive product quality, consistency and compliance.
- Created, edited and updated project manuals and technical documentation used by entire QA team.
QC BSA/AML Enhanced Due Diligence and Alert Clearing Analyst
Mark Shaw & Associates
Orlando, United States
11.2016 - 02.2017
- Company Overview: Orlando, FL.
- Perform enhanced due diligence (EDD) on high-risk customers to ensure account profiles are current, whether risk profiles should be adjusted, or suspicious activity reported when the activity is inconsistent with the customer profile
- Testing for each of the high-risk customers will include the following activities, which will be documented in the Prime BSA Reporter application.
- Review prior Cases and Alerts in Prime.
KYC Analyst
Mark Shaw Agency
09.2016 - 11.2016
- Company Overview: United States.
- Performing due diligence on customers to identify risks associated with money laundering, terrorist financing, or other financial crimes.
- Ensuring compliance with AML and KYC regulations and policies.
- Collaborating with internal teams to report findings and escalate issues.
- Participating in audits and regulatory examinations.
- Analyzed customer data to identify suspicious activity or potential money laundering schemes.
- Verified customer identity using public records, financial databases, and other resources.
- Reviewed customer documents and information to ensure compliance with KYC regulations.
- Identified customer risk levels based on established criteria.
- Updated client profiles with relevant KYC information.
- Drafted reports summarizing findings from KYC reviews and investigations.
- Maintained accurate records of all KYC documentation and analysis results.
- Tracked regulatory changes related to AML and KYC requirements.
- Participated in regular training sessions to stay up-to-date on industry trends.
- Assessed customer accounts for potential sanctions violations.
- Researched emerging threats within the banking sector relating to AML and KYC regulations.
Lead QC Loan Modification Analyst
Mark Shaw Agency/FIS
07.2015 - 09.2016
- Company Overview: United States.
- Review underwriter files to ensure the transaction adheres to mortgage lending regulations and appropriate credit policies with a quality accuracy of 100%.
- Re-underwriting of loan modification, default management, mortgage servicing, and bankruptcy loans for GSE, HAMP, FHA/VA, FNMA, and FHLMC.
- Ability to validate income, asset, and collateral documents, including self-employed tax returns.
- Understand how to calculate Debt to Income Ratios and Reserves.
- Responsible for reviewing and making recommendations on the disposition of borrowers' foreclosure complaints and supporting documentation provided by borrowers and the large national mortgage servicer.
- Evaluated foreclosure complaints related to GSE, HAMP, FHA/VA, FNMA, FHLMC, and private investor programs.
- Process foreclosure complaints using proprietary tools developed for the project, and frequently modified to meet the requirements of all parties involved in the project.
- Develop expert skills in conducting income calculations that conform to the requirements on all forms of loan modification programs offered by the federal mortgage industry and private investors.
- Conduct intensive review using proprietary Foreclosure Review Due Diligence System of the foreclosure process, permissible chargeable fees, and mortgage accounting systems for all 50 States.
FNMA 571 Claims Quality Assurance Analyst
Clayton
Tampa, United States
10.2014 - 08.2015
- Company Overview: Tampa, FL.
- Reviewed outstanding advances and disbursements, entered claims information, and validated claimable expenses.
- Identified opportunities for supplemental claims and recommended improvements to claim filing processes.
Due Diligence Quality Control Analyst QC
Clayton
Tampa, United States
05.2014 - 10.2014
- Company Overview: Tampa, FL
- Reviewed mortgage loan files for compliance and fraud issues, analyzed servicing comments, and documented trends
- Collaborated with legal counsel to resolve high-risk issues and communicated findings to stakeholders
- Tampa, FL
Foreclosure Due Diligence Quality Assurance Analyst
Clayton
02.2013 - 07.2013
- Review foreclosure and bankruptcy documents, including affidavits of indebtedness, for accuracy of information.
- Understanding of the Foreclosure, Bankruptcy, and Loss Mitigation process, as well as conducting audits of affidavits.
- Analyze servicer actions using proprietary risk management software, as well as servicer-provided documentation.
- Make recommendations on loans reviewed.
- Knowledge of foreclosure documents and legal requirements in filing documents.
- Understanding of Federal and State compliance laws in both judicial and non-judicial jurisdictions.
- Coordinate with Team Lead and/or Servicer to obtain any documentation necessary to complete the audit.
- Prepare reports based on audit results, and communicate findings to management.
- Partner with department managers to ensure client expectations are satisfied.
- Work with and understand the LPS servicing platforms utilized by Client, including any ancillary system(s) such as Fidelity, Foreclosure Processing Systems, VendorScape, MERS etc
- Review the client's policies and procedures to ensure that current servicing practices meet all appropriate state, federal, and investor guidelines, and identify any areas in which improvement is needed.
- Review compliance and due diligence of loss mitigation, with a full understanding of loss mitigation guidelines.
- Programs including HAMP, Traditional Mods, Apollo Mods, deed in lieu, short sale, etc.
- Reviewed the timeline of the documentation received and the servicers' responses.
- Employee of the month, June 2013.
Senior Foreclosure Specialist
Aeroteck
Tampa, United States
03.2012 - 01.2013
- Company Overview: Tampa, FL.
- Conducted reviews of foreclosure fees and processes, ensuring compliance with state and federal guidelines.
- Communicated with attorneys, investors, and tax vendors to resolve issues and maintain accurate records.
- OCC Reviews
- Reviewed and analyzed loan documents to determine foreclosure eligibility criteria.
- Conducted research on delinquent accounts, including contact with borrowers and lenders.
- Maintained accurate records of all foreclosure-related activities.
- Monitored progress of foreclosure cases through the court system.
- Researched property values, lien priority issues, title issues., as needed.
- Performed periodic reviews of current procedures and policies related to foreclosures.
- Ensured that all deadlines were met throughout the foreclosure process.
- Researched discrepancies in foreclosure documents and loan agreements.
- Created audit invoices for formulation of legal bills within required timeframe.
- Compiled and reviewed litigation paperwork to facilitate foreclosure process.
Mortgage Loan Processor
Fairmont Funding
Tampa, United States
02.2003 - 12.2008
- Company Overview: Tampa, FL
- Review underwriter files to ensure the transaction adheres to mortgage lending regulations and appropriate credit policies with a quality accuracy of 100%
- Re-underwriting of loan modification, default management, mortgage servicing, and bankruptcy loans for GSE, HAMP, FHA/VA, FNMA, FHLMC
- Ability to validate income, asset and collateral documents including self-employed tax return
- Understand how to calculate Debt to Income Ratios and Reserves
- Responsible for reviewing and making recommendations on the disposition of borrower's foreclosure complaints and supporting documentation provided by borrowers and the large national mortgage servicer
- Evaluated foreclosure complaints related to GSE, HAMP, FHA/VA, FNMA, FHLMC and private investor programs
- Process foreclosure complaints using proprietary tools developed for the project, and frequently modified, to meet the requirements of all parties involved in the project
- Develop expert skills in conducting income calculations that conform to the requirements of on all forms of loan modification programs offered by the federal mortgage industry and private investors
- Conduct intensive review using proprietary Foreclosure Review Due Diligence System of the foreclosure process, permissible chargeable fees, and mortgage accounting systems for all 50 States
- Tampa, FL
Education
High School Diploma -
Hudson High School
United StatesSkills
- Fair Housing Regulations
- Underwriting
- Loan Origination
- Mortgage Servicing
- Risk Management
- Banking
- Bank Secrecy Act
- Credit Analysis
- Portfolio Management
- Quality Assurance
- Internal Audits
- Escrow
- Loan Officer Experience
- Microsoft Office
- Acuity Clarity
- PDF Writer
- SQL Upload
- AS400
- E-Class
- LPS
- Customer Service
- Attention to Detail
- Compliance
- Due Diligence
- TRID
- Reverse Mortgages (HECM)
- Conventional
- FNMA
- FHA
- OFAC Clearance
- BSA/AML Enhanced Due Diligence
- Mortgage Processing
- Junior Underwriter
- Senior Underwriter
- Training
- Team Leadership
- QC
- QA
- Communication skills
- Skilled multi-tasker
- Willingness to learn
- Organizational skills
- Solid work ethic
- Self-starter
- SharePoint
- Staff training and development
- Systems Analysis
- Quality Assurance Controls
- Improvement Recommendations
- Excel
- Complex Problem-Solving
- Time Management
- Verbal and written communication
- Policy and Procedure Development
- Employee Supervision
- Mentoring and training
Affiliations
- Volunteer
- Support my community
Accomplishments
- Employee of the month
- Promoted to AVP
- Exceeds SLA timelines
- Promoted to QC
References
References available upon request.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Interests
Baking
Grilling
Research
Timeline
Senior Quality Assurance Analyst AVP
Wells Fargo
07.2022 - 10.2024
SR Mortgage Quality Analyst
SitusAMC
05.2020 - 07.2022
Senior Quality Assurance Analyst
Granite Solutions
04.2020 - 07.2022
QC BSA/AML Enhanced Due Diligence and Alert Clearing Analyst
Mark Shaw & Associates
11.2016 - 02.2017
KYC Analyst
Mark Shaw Agency
09.2016 - 11.2016
Lead QC Loan Modification Analyst
Mark Shaw Agency/FIS
07.2015 - 09.2016
FNMA 571 Claims Quality Assurance Analyst
Clayton
10.2014 - 08.2015
Due Diligence Quality Control Analyst QC
Clayton
05.2014 - 10.2014
Foreclosure Due Diligence Quality Assurance Analyst
Clayton
02.2013 - 07.2013
Senior Foreclosure Specialist
Aeroteck
03.2012 - 01.2013
Mortgage Loan Processor
Fairmont Funding
02.2003 - 12.2008
High School Diploma -
Hudson High School
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