Summary
Overview
Work History
Education
Skills
Certificationandtraining
Quote
Software
Timeline
OfficeManager
LaShawn Harmon

LaShawn Harmon

Jacksonville,FL

Summary

Personable and analytical individual with knack for problem-solving and attention to detail. Familiar with mortgage and banking financial systems and capable of identifying patterns, analyzing data, and applying investigative techniques. Dedicated to protecting assets and reducing fraud occurrences through proactive measures.

Overview

12
12
years of professional experience

Work History

Fraud Investigations

BMO Financial Crimes and Investigations
05.2024 - Current
  • Investigate allegations of fraud and abuse primary related to consumer banking, consumer lending and mortgage banking
  • Conduct complex investigations of suspected suspicious activity involving consumers
  • Place hold and alerts on all banking activities restricting accounts and debit cards access while investigation is ongoing to avoid further loss to bank
  • Adhere to REG E compliance
  • Complete complex investigations report that re utilized by executive management and across business line
  • Ability to make sound decisions based on case investigation and terminate and close all accounts and terminate the banking relationship
  • Gather and maintain evidence that was used to support the case findings
  • Escalate critical findings to business partners and senior managers
  • Adherer to banking policy procedures and guidelines
  • Working with other departments to ensure account close procedure has been processed and completely within banking SLA
  • Conducted fraud investigations as needed, uncovering instances of misconduct or noncompliance within the organization.

Operations Specialist Associate/Contract

Concentrix
11.2023 - 05.2024
  • Respond to inbound client inquires with service-related request and concerns regarding account
  • Verify accuracy of information within data base and provide solutions to customer issues in a timely manner
  • Updated and maintained members personal account for accuracy and completeness
  • Contact members to verify changes and recent activity to identity any potential fraud
  • Requested account closure as related to fraud and accounts abuse
  • Providing excellent service to members as it relates to their account status
  • Boosted customer satisfaction, addressing client concerns in a timely and professional manner.

Senior Mortgage Quality Control Analyst

Digital Risk/Bank of America
04.2022 - 06.2023
  • Full in-depth review of credit worthiness and compliance of all mortgage applications originated with the mortgage department for Conventional Home Equity Loans
  • Analyze data and produce reports on findings and metrics and assist with recommendations as to appropriate corrective action or gap-related solution
  • Identify any suspected fraudulent activity detected during investigation and escalate issues to the appropriate management when necessary as well as escalate to management all unresolved issues, where appropriate
  • Maintained knowledge of guidelines and compliance as the relate to post closing and audit
  • Regular team meeting to implement new ideas of ways to improve quality of files

Jr Underwriter

Plaza Home Mortgage
03.2020 - 03.2022
  • Perform in-depth analysis of all applications for residential mortgage loans based on Conventional, FHA, VA and USDA underwriting guidelines
  • Submitted loan changes to Aus and LP engines and reconcile documentation to the results
  • Order mi for loan requiring mortgage insurance as part of the review process
  • Submitted loan changes and updates to DU/LP daily to complete the underwriting review
  • Review and calculate income for salary, commission, fixed income sources and self-employment
  • Set conditions as needed to obtain documentation when resubmission documentation is insufficient to clear and validate loan file
  • Worked suspense and counteroffer with the brokers
  • Ability to review legal documentation title reports insurance policies and flood certificates
  • Working with third parties and brokers to resolve all title issues such as additional mortgages, Hoa liens, and judgments.
  • Cleared final conditions issue clear to close to brokers, account managers and senior management
  • Responsible to mentor, coach and train new Jr Underwriters
  • Collaborated with cross-functional teams to develop comprehensive risk assessments for potential clients.
  • Made approval and denial recommendations by determining accurate risk levels.

Sr Mortgage Processor /Submission Review Processor

RP Funding Mortgage
12.2015 - 01.2020
  • Analyze and extensive review of all loan documentation 1003, income, assets, sales contract, appraisals, title work, personal/business tax returns, w2, credit reports, gift letters, letter of explanations for all loan types CONVENTIONAL, FHA and VA transactions to verify accuracy
  • Submit complete accurate file to underwriting and obtain conditions for final approval
  • Collaborated with the underwriters to expedite loan approvals, resulting in faster closings
  • Prepared file for final clear to close, completed soft credit report pull to identify if any new debt was obtained which could jeopardize final approval.
  • Managed a high-volume pipeline of loans, prioritizing tasks for optimal efficiency and client satisfaction.

Loss Mitigation Specialist

Everbank Mortgage
08.2012 - 12.2015
  • Enured compliance regulations and guideline by reviewing loss mitigation documentation and procedues.
  • Prevented unnecessary foreclosures by effectively communicating available options to borrowers and guiding them through the loss mitigation process.
  • Conducted comprehensive loan reviews, identifying opportunities for modifications and alternative repayment plan
  • Discussed property liquidation options with customers.
  • Assisted with short sales and deed in lieu processes.
  • Provided reinstatement and payoff quotes to clients.

Education

High School Diploma -

Jean Ribault High School
Jacksonville, FL

Skills

  • Analytical and Critical Thinking
  • Due Diligence Quality Review
  • Online Research and Investigations
  • Decision Making
  • Research and Investigations
  • Knowledge of BSA/AML regulations

Certificationandtraining

  • Fraud and Detection and Prevention
  • Risk Analysis
  • Suspicious Activity
  • Mortgage Underwriting and Processing
  • Bank Lending Regulations and Compliance
  • Bank Secretary Act

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

Software

Microsoft Word, Excel, Teams, Excel , CRM Systems

Timeline

Fraud Investigations

BMO Financial Crimes and Investigations
05.2024 - Current

Operations Specialist Associate/Contract

Concentrix
11.2023 - 05.2024

Senior Mortgage Quality Control Analyst

Digital Risk/Bank of America
04.2022 - 06.2023

Jr Underwriter

Plaza Home Mortgage
03.2020 - 03.2022

Sr Mortgage Processor /Submission Review Processor

RP Funding Mortgage
12.2015 - 01.2020

Loss Mitigation Specialist

Everbank Mortgage
08.2012 - 12.2015

High School Diploma -

Jean Ribault High School

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LaShawn Harmon