Summary
Overview
Work History
Education
Skills
Timeline
BusinessAnalyst

Leonard Francis II

Pearland,TX

Summary

Experienced with financial management, strategic planning, and risk assessment. Utilizes comprehensive knowledge to drive operational efficiency and support business growth. Track record of leading cross-functional teams and implementing impactful initiatives.

Overview

15
15
years of professional experience

Work History

AVP; Regulatory Data Management

Bank of America
11.2021 - Current
  • Reconcile Home Mortgage Disclosure Act (HMDA) loan data on a quarterly and annual basis and control data accuracy throughout the reporting lifecycle.
  • Write and execute SQL queries to pull monthly reports that monitor our home loans database, and identify trends and data inaccuracies.
  • Collaborate with business partners to develop and implement action plans for remediation and controls based on findings.
  • Lead project workgroups on root cause analysis, streamlining and improving workflows, and procedural gap resolution.
  • Work with Tech partners to make system modifications and enhancements through JIRA Issue & Project Tracking.
  • Ensure successful implementation of solutions through monthly User Acceptance Testing (UAT).
  • Conduct quarterly and annual submissions of HMDA data to the Consumer Financial Protection Bureau (CFPB), confirming data accuracy, preventing external audit issues and potential fines or penalties.
  • Error-free submission rate for all four quarters of 2023 and 2024.

AVP; Regulatory Support Specialist

Bank of America
07.2015 - 11.2021
  • Ensured procedures remained current and accurate based on business needs and regulatory requirements, raised awareness on system defects and issues within the bank’s procedures, and established regulatory compliance, prevented external audit issues, potential operational losses, and client dissatisfaction through business controls.
  • Monitored daily, weekly, and monthly tracking reports to analyze associate performance data and identify trends and potential issues within our processes and procedures.
  • Helped reduce employee error rate by 2% by leading regulatory, technical and how-to support, and in-person training sessions.
  • Worked with our Legal, Process Design, Sales, and Fulfillment teams to ensure the proper functionality of systems and to design and implement necessary controls and process updates.

Loan Review Analyst

Bank of America
07.2011 - 09.2015
  • Analyzed mortgage loan data to identify inaccuracies in the loan terms or fees, and ran various compliance tests to ensure our mortgage Sales and Fulfillment teams operated efficiently, accurately, and within established regulatory guidelines.
  • Analyzed mortgage loan data to identify inaccuracies in the loan terms or fees.
  • Examined test results and monthly reporting to identify trends and potential issues.
  • Improved and streamlined internal testing controls.
  • Improved and streamlined testing processes by analyzing trends and eliminating wasteful or outdated workflows.

Mortgage Analyst

CoreLogic
09.2010 - 07.2011
  • Performed detailed mortgage audits to ensure that all closing conditions were satisfied, fees were accurately charged, and the mortgage fulfillment teams were operating efficiently, accurately, and within established regulatory guidelines.

Education

Bachelor of Science - Finance

The University of North Carolina At Charlotte
Charlotte, NC

Skills

  • SQL

  • Excel functions

  • Data visualization and presentations

  • Data analysis

  • Procedure implementation

  • Database management

  • Strategic planning

  • Operations oversight

  • Report preparation

  • Performance improvement

  • Financial acumen

  • Program management

Timeline

AVP; Regulatory Data Management

Bank of America
11.2021 - Current

AVP; Regulatory Support Specialist

Bank of America
07.2015 - 11.2021

Loan Review Analyst

Bank of America
07.2011 - 09.2015

Mortgage Analyst

CoreLogic
09.2010 - 07.2011

Bachelor of Science - Finance

The University of North Carolina At Charlotte

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Leonard Francis II