LASHANDA DEMERY
Dallas,TX
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Focused Fraud Analyst with highly developed skills that truly shine when identifying anomalies and teaming up with staff members for brainstorming purposes. A valuable and committed professional with dynamic communication and interpersonal skills. Ready to take on a new role with a company where a strong work ethic and calm demeanor will be appreciated.
Overview
10
10
years of professional experience
Work History
Loan Officer
Small Business Adminstration
Dallas, TX
11.2016 - 10.2024
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Developed and maintained relationships with potential customers to increase loan business.
- Delivered high levels of customer service to facilitate smooth processes.
- Reviewed loan agreements to confirm completeness and accuracy.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Verified accuracy of loan documents prior to approval.
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Approved or denied loan applications based on established guidelines.
- Performed daily maintenance of loan applicant database.
- Provided customer service support throughout the entire process from application through closing.
- Explained various types of loans available to customers and their associated terms and conditions.
- Approved loan within specified limits or referred to appropriate approval level.
- Analyzed financial data to determine the feasibility of granting loans.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
- Met with applicants to obtain information for loan applications and answer questions about process.
Senior Fraud Analyst
LIKEWIZE
Dallas, TX
03.2021 - 12.2023
- Assessed customer and client data to detect potential fraud risks.
- Investigated cases of suspected fraudulent activities, including tracing money trails and analyzing documents.
- Performed detailed analysis of financial transactions to identify suspicious activity.
- Utilized specialized software tools designed for detecting patterns associated with fraudulent activity.
- Documented all investigative findings in a clear, concise manner for senior management review.
- Monitored real-time queues and analyzed high-risk transactions from specified points of sale within business portfolio.
- Provided training and guidance on best practices in fraud detection and prevention.
- Collaborated with other departments on investigations as needed to review evidence, analyze data, and prepare reports for management.
- Maintained up-to-date knowledge of relevant federal laws regarding fraud prevention.
- Developed procedures for the prevention, detection, investigation, and reporting of fraudulent activities.
- Documented investigative findings in reports. Saved company over $14,000,000 in canceled fraud attempts
Mortgage Underwriter
• Digital Risk
Dallas, TX
08.2020 - 11.2021
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Communicated with applicants and internal team members to discuss identified conditions needed for approval.
- Prepared detailed reports on underwriting findings and recommendations.
- Researched any discrepancies between application information supplied by applicants versus third-party sources.
- Ensured compliance with all federal, state, and local regulations related to mortgage lending practices.
- Generated letters of denial or commitment based on approved and declined decisions.
- Assessed financial information to determine borrower's making of future payments.
- Attended seminars and workshops in order to stay informed about new developments within the mortgage industry.
- Requested additional information and documents from borrower to help determine loan risk
- Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
- Evaluated mortgage loan risk based on sound underwriting decisions.
- Performed quality control review of completed loans prior to funding approval.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer, or denial.
- Reviewed appraisals to ensure accuracy and compliance with company standards.
- Evaluated loan applications and creditworthiness of potential borrowers.
Mortgage Underwriter
GENEPACT
RICHARDSON, TX
06.2018 - 07.2020
- Issued clear written conditions for approval of mortgage loans.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Verified employment history and income of applicants.
- Assessed risk levels associated with each loan application based on established criteria.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Requested additional information for applications and documents when necessary.
- Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
- Reviewed and evaluated loan applications and supporting documents.
- Collaborated with cross-functional teams on special projects involving underwriting initiatives.
- Maintained compliance with company and regulatory policies.
- Conducted due diligence reviews of loans prior to closing.
- Determined loan eligibility and approved or rejected applications.
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Prepared detailed underwriting reports for management review.
- Provided feedback and guidance to borrowers throughout the approval process.
- Interpreted results from automated underwriting systems.
- Calculated debt-to-income ratios to ensure compliance with industry standards.
- Consulted with other departments regarding complex loan applications.
AML Compliance Analyst
VACO STAFFING/CAPITOL ONE
Plano, TX
10.2017 - 06.2018
- Performed regular reviews of customer accounts for any unusual or suspicious activity.
- Investigated complex cases involving financial fraud or other criminal activities related to money laundering schemes.
- Analyzed transactional data using advanced analytics tools to identify patterns indicative of potential money laundering activities.
- Documented all research findings in a timely manner and maintained accurate records of transactions.
- Identified areas where additional resources are needed for improved detection of money laundering activities.
- Created detailed reports summarizing audit results and recommendations for corrective actions.
- Participated in industry forums discussing best practices regarding AML regulations.
- Assessed customer risk profiles to determine the appropriate level of due diligence required.
- Responded promptly and accurately to inquiries from regulators concerning AML matters.
- Reviewed customer identification documents for accuracy, completeness, and authenticity.
- Conducted periodic reviews of customer accounts to ensure compliance with AML regulations.
- Conducted periodic audits of internal systems used for monitoring suspicious transactions.
- Assisted in developing strategies for enhancing existing anti-money laundering controls.
- Monitored and analyzed suspicious activities, identified potential money laundering activities, and reported the findings to management.
- Provided training on AML compliance topics to internal staff members.
- Developed policies and procedures for AML compliance processes.
- Investigated fraud referrals and researched to minimize risk and resolve inquiries.
- Identified potential threats, vulnerabilities and suspicious behavior patterns and recommended mitigation measures.
- Reviewed compliance publications and websites and participated in conferences and other training events to stay apprised of regulatory matters and developments.
- Liaised with leadership to discuss customer activities and trends that implicated potential money laundering or terrorist financing.
- Provided regulatory compliance training to employees.
- Produced in-depth reports outlining findings and recommendations for improvement.
- Verified and inspected cash reserves and assigned collateral and bank-owned securities to check internal control procedures.
- Researched economic data and reviewed records to assess adequacy of institution's operations in relation to established structure.
Senior Compliance Analyst
NTT Data
Dallas, TX
01.2015 - 11.2016
- Attended training seminars or workshops related to regulatory matters.
- Researched complex issues pertaining to government regulations, industry standards, or other relevant topics.
- Reviewed financial statements for accuracy and completeness of disclosure.
- Prepared periodic summaries of audit results for senior management review.
- Developed training materials regarding legal and regulatory requirements for staff members.
- Monitored internal processes to ensure compliance with applicable rules and regulations.
- Identified potential areas of non-compliance based on analysis of data collected from multiple sources.
- Conducted risk assessments to identify areas of non-compliance with regulatory standards.
- Drafted reports detailing findings from compliance reviews.
- Coordinated with external auditors during annual audits to provide information as required.
- Interpreted federal and state statutes, rules, regulations, ordinances, codes as they relate to organizational operations.
- Provided guidance and support to junior compliance analysts on regulatory requirements.
- Assisted in the investigation of allegations of violations or irregularities in accordance with established procedures.
- Participated in the development of corporate policies related to legal and regulatory matters.
- Developed and implemented strategies to ensure adherence to applicable laws, regulations, and policies.
- Responded promptly and accurately to inquiries from clients concerning legal or regulatory matters.
- Provided advice on how best to address identified deficiencies in order to maintain compliance status.
- Evaluated existing systems for adequacy and effectiveness relative to established guidelines.
- Planned and executed compliance audits to check company policies, procedures and controls.
- Established working relationships with regulatory agencies.
- Organized training programs to educate company staff on benefits and consequences of complying or defying regulations.
- Maintained and revised policy procedures for general operation of compliance program.
- Facilitated adherence to safety and regulatory objectives and managed client-specific projects, training programs and personnel background checks.
- Performed testing to evaluate processes, enhance test scripts and analyze results.
- Monitored regulatory developments to communicate risks or opportunities to relevant groups.
- Verified documentation against compliance standards and communicated deficiencies to resolve issues.
- Produced reports outlining assessments completed and follow-up recommendations.
- Evaluated applications and associated documentation to determine eligibility.
Education
High School Diploma -
Skyline High School
Dallas, TX06-1988
Timeline
Senior Fraud Analyst
LIKEWIZE
03.2021 - 12.2023
Mortgage Underwriter
• Digital Risk
08.2020 - 11.2021
Mortgage Underwriter
GENEPACT
06.2018 - 07.2020
AML Compliance Analyst
VACO STAFFING/CAPITOL ONE
10.2017 - 06.2018
Loan Officer
Small Business Adminstration
11.2016 - 10.2024
Senior Compliance Analyst
NTT Data
01.2015 - 11.2016
High School Diploma -
Skyline High School