Kristin A. Bryant
Chief Compliance Officer
Jackson,NJ
Summary
Experienced Mortgage Compliance Professional with over two decades of expertise in mortgage processes, regulatory compliance, and reverse mortgages. Proficient in policy development, ensuring compliance with federal, state, and agency guidelines, and conducting audits. Skilled in training teams, promoting ethical lending practices, and mitigating risks to improve operational efficiency while following industry regulations.
Overview
23
23
years of professional experience
Work History
Chief Compliance Officer
Atlantic Avenue Mortgage
07.2024 - Current
- Ensure compliance with CFPB, HUD, RESPA, ECOA and Fair Lending regulations governing reverse mortgages.
- Develop, implement, and maintain compliance policies and procedures tailored to reverse mortgage operations.
- Lead internal audits and compliance reviews, identifying risks and ensuring adherence to regulatory requirements.
- Oversee external examinations, collaborating with regulatory agencies to address findings and implement corrective actions.
- Provide training and compliance education to staff on reverse mortgage guidelines, fraud prevention, and ethical lending practices.
- Review and approve marketing materials to ensure compliance with truth-in-lending standards and prevent misleading claims.
- Collaborate with key stakeholders to address compliance concerns and mitigate risks.
- Enhanced regulatory compliance by developing and implementing comprehensive policies and procedures.
- Consistently updated knowledge of relevant laws, regulations, standards to ensure continuous alignment with current guidelines.
VP Compliance Officer (Consultant/Contract)
Woori America Bank
12.2023 - 03.2024
- Provided guidance on compliance issues to operational teams and senior management.
- Developed and maintained compliance policies, procedures, and training programs in collaboration with management.
- Extensive expertise in compliance regulations, including Reg. DD, Reg. E, Reg. CC, TILA, HMDA, and FCRA.
- Conducted internal and external audits, compliance reviews, and investor examinations.
- Monitored and enforced compliance with TRID, Reg Z, RESPA, ECOA, FCRA, and Fair Lending requirements.
- Provided ongoing compliance support to management and staff, ensuring regulatory best practices.
- Developed and implemented additional risk controls to address internal audit findings.
Sr. Lead Compliance Officer (Consultant/Contract)
Wells Fargo Bank, NA
12.2022 - 09.2023
- Supported the Compliance Strategy and Operations Team, ensuring adherence to regulatory requirements in consumer lending.
- Analyzed law and rule citations within regulatory inventories to determine applicability to consumer lending operations.
- Guided business units in developing corrective action plans and managing regulatory changes effectively.
- Collaborated with legal teams to analyze major compliance requirements and provide strategic insights.
- Ensured compliance with UDAAP, RESPA, ECOA, and Fair Lending regulations.
- Developed and implemented policies and procedures related to compliance and loan origination.
- Applied expertise in regulatory compliance functions within the banking and lending industry.
Regulatory Compliance Officer (Consultant/Contract)
American Advisors Group (AAG)
03.2022 - 11.2022
- Developed, implemented, and maintained compliance policies and procedures in alignment with state and federal regulations.
- Researched compliance-related issues, recommending actions to ensure regulatory conformity.
- Provided guidance on origination, marketing, privacy, disclosures, policies, procedures, and training.
- Advised business leaders on state and federal regulatory requirements and industry best practices.
- Managed complaint handling, overseeing reviews and responses.
- Ensured compliance training materials remained current and aligned with evolving regulations.
- Designed and conducted compliance training sessions to strengthen staff expertise.
Director of Compliance
Ark Mortgage, Inc
10.2021 - 03.2022
- Partnered with senior management and key stakeholders to address compliance matters and mitigate risk.
- Conducted internal compliance reviews to identify and resolve regulatory risks.
- Prepared and executed regulatory exams and audits to uphold compliance standards.
- Managed HMDA audit processes and ensured timely submission of annual reports.
- Kept the business informed on regulatory changes and industry updates.
- Led internal and external audits, ensuring operational and regulatory compliance.
- Reviewed operational and servicing processes to ensure Fair Lending and banking compliance.
Director of Compliance
Family First Funding LLC
01.2020 - 10.2021
- Provided guidance on compliance-related inquiries, assisting staff with regulatory concerns.
- Established and managed the Adverse Action Desk to address compliance issues effectively.
- Developed, trained, and maintained operational processes and procedures to support regulatory adherence.
- Led internal and external audits, ensuring compliance reviews were completed accurately.
- Assisted operations teams in resolving compliance concerns outlined in the Mavent Compliance Report.
- Supervised the QC Team and Marketing Compliance Team, ensuring alignment with regulatory standards.
- Managed quarterly and annual MCR and HMDA reporting processes, ensuring accurate submissions.
Originations Compliance Manager
Reverse Mortgage Funding LLC
12.2015 - 01.2020
- Conducted quarterly HMDA reviews and annual LAR submissions to ensure regulatory compliance.
- Led internal and external audits, compliance reviews, and risk assessments.
- Developed and implemented procedures for HMDA and Fair Lending compliance policies.
- Provided regulatory updates and conducted training sessions for staff on compliance requirements.
- Managed complaint handling, including tracking and resolving consumer inquiries.
- Collaborated on monthly QC findings, identifying and implementing corrective actions.
Sr. Associate Regulatory Compliance/Project Approval Coordinator
Home Point Financial fka Maverick Funding Corp
11.2011 - 11.2015
- Conducted quarterly HMDA reviews and annual LAR submissions to FFIEC to ensure regulatory compliance.
- Ensured loan origination adhered to RESPA, ECOA, and Fair Lending guidelines.
- Led internal compliance reviews to assess regulatory adherence and mitigate risks.
- Assisted with audits and compliance reviews, ensuring thorough documentation and corrective actions.
- Developed and implemented procedures for HMDA and Fair Lending compliance policies.
- Organized on-site training for new hires, ensuring a comprehensive understanding of compliance policies.
- Created training manuals and job aids to support regulatory education.
- Oversaw the condo/co-op review and approval process, ensuring compliance with agency requirements.
- Maintained expertise in FNMA, FHLMC, FHA, VA, and USDA project approval requirements.
Skills
Compliance management
Integrity-driven leadership
New Jersey notary public
AllRegs compliance knowledge
Quantum Reverse
Mavent
Reverse Vision
Encompass
Microsoft Office
HMDA compliance expertise
Risk mitigation strategies
Compliance management
Ethical leadership
Compliance monitoring
Legal research
Wolters Kluwer
AllRegs compliance knowledge
Proficient in FNMA DU/CPM
NMLS certification
New Jersey notary public
Regulatory compliance training
Employee training
Integrity-driven leadership
Regulatory knowledge
Timeline
Chief Compliance Officer
Atlantic Avenue Mortgage
07.2024 - Current
VP Compliance Officer (Consultant/Contract)
Woori America Bank
12.2023 - 03.2024
Sr. Lead Compliance Officer (Consultant/Contract)
Wells Fargo Bank, NA
12.2022 - 09.2023
Regulatory Compliance Officer (Consultant/Contract)
American Advisors Group (AAG)
03.2022 - 11.2022
Director of Compliance
Ark Mortgage, Inc
10.2021 - 03.2022
Director of Compliance
Family First Funding LLC
01.2020 - 10.2021
Originations Compliance Manager
Reverse Mortgage Funding LLC
12.2015 - 01.2020
Sr. Associate Regulatory Compliance/Project Approval Coordinator
Home Point Financial fka Maverick Funding Corp
11.2011 - 11.2015