KIMBERLY L. SMITH
Orange Park,FL
Summary
Dedicated professional with strong background in risk management. Proven success in ensuring
continuous process improvement in rapidly evolving and changing markets. Ability to work
effectively in a fast-paced environment. Skilled in multitasking and problem solving.
Recognized for ability to mitigate operational risk that derives from inadequate or failed internal
processes.
Overview
18
18
years of professional experience
1
1
Certification
Work History
COMPLIANCE OFFICER
Wells Fargo Home Mortgage
03.2022 - Current
- Conducting assessments of products, services, and processes across the enterprise to assess UDAAP risk and identify specific areas of corrective action.
- Responsible for issue management and follow up, and working with businesses to communicate results and recommendations, as well as monitoring issues in enterprise systems of record (i.e. SHRP, RANBI).
- Work closely with UDAAP Program Compliance Officers, as well as compliance and risk partners across the enterprise to perform assessments and address areas of identified risk.
COMPLIANCE ASSOCIATE
Wells Fargo Home Mortgage
05.2018 - 03.2022
- Conducted Consumer Financial Law On-site and Virtual reviews with Wells Fargo customer-facing vendors, to ensure Third Party Service Providers are compliant with Major Regulatory requirements associated to their services being provided.
- Provided credible challenge of regulatory risks identified in completed CFL assessments.
- Built and continuously enhanced knowledge and understanding of regulatory requirements affecting third party engagements including but not limited to UDAAP, ADA, FCRA and FDCPA.
OPERATONAL RISK CONSULTANT II
Wells Fargo Home Mortgage
11.2012 - 05.2018
- Provided risk support and assistance with testing for system’s security-related issues during project implementation. Reviewed risk ratings and evaluated ratings against established business standards; initiated corrective action for failed items.
- Supported high risk projects, while ensuring mitigation of operational risks that arose from inadequate or failed internal processes or external events.
- Partnered with legal and compliance departments to review new guidelines regarding local, state, and federal regulations.
TEAM LEAD/DEPARTMENT TRAINER
Wells Fargo Home Mortgage
11.2009 - 11.2012
- Managed a team of 15-20 team members through the short sale workflow from start to finish.
- Met with lead staff to review trends or risk threats; reported issues found immediately to upper management staff for follow-up or correction.
- Facilitated ongoing training classes and forums. Successfully trained over 100 new hires.
LOAN SERVICING SPECIALIST
Wells Fargo Home Mortgage
07.2006 - 11.2009
- Assisted homeowners in the process of liquidating their property through Short Sale and Deed in Lieu of Foreclosure reviews. Assisted business process analyst and implementation consultant with testing and review of procedures and ensured adherence to all policies and procedures.
- As senior team member, began training new hires and assisting with monthly portfolio forums and training sessions.
Education
Master of Business Administration/Master of Health Administration -
Pfeiffer University
Charlotte, NC05.2011
Bachelor of Science, Major: Business Administration -
Morris College
Sumter, SC06.1999
Skills
- Investigations Skills
- Process improvement
- Document Review
- Risk Mitigation
- Regulatory expertise
- Interpersonal skills
- Problem solving
- Analytical thinking
- Compliance monitoring
- Report writing
- Risk assessment
- Compliance Reviews
Community Service Affiliations
Palm Coast Flagler County Alumnae Chapter, Delta Sigma Theta Sorority, Inc. – Vice President
References
Available upon request.
Certification
Certificate of Operational Risk Management-ABA-2023
Timeline
COMPLIANCE OFFICER
Wells Fargo Home Mortgage
03.2022 - Current
COMPLIANCE ASSOCIATE
Wells Fargo Home Mortgage
05.2018 - 03.2022
OPERATONAL RISK CONSULTANT II
Wells Fargo Home Mortgage
11.2012 - 05.2018
TEAM LEAD/DEPARTMENT TRAINER
Wells Fargo Home Mortgage
11.2009 - 11.2012
LOAN SERVICING SPECIALIST
Wells Fargo Home Mortgage
07.2006 - 11.2009
Master of Business Administration/Master of Health Administration -
Pfeiffer University
Bachelor of Science, Major: Business Administration -
Morris College