Lori Gensler
Gainesville,TX
Summary
Dynamic Director oversees production with strong project management and decision-making skills. Brings comprehensive knowledge of regulatory compliance, planning and operations. Skilled at coordinating production plans and personnel resources to complete work under tight deadlines.
Overview
34
34
years of professional experience
Work History
Director
Real Estate USAA
10.2022 - Current
- Partner with Business, Legal, and Risk to assess, measure and report on compliance related matters
- Track, review and monitor issues and action plans to ensure tactical and strategic solutions are in compliance with regulations and appropriate controls are in place
- Coordinate oversight activities with Subservicer
- Conduct SLOD targeted monitoring and oversight of Subservicer to ensure adequacy of their control environment
- Review and advise on various documents such as Risk Assessments, regulator responses, policies and procedures, servicing agreements and addendum's
- Prepare and analysis of recurring and ad-hock metrics reporting use within the team and senior management
- Build and oversee team of Risk Managers for assigned functions through on going development, retention, coaching and support
- Restructured a risk based control testing unit, supervise team's execution of oversight testing of in-house and third party activities
- Collaborate with others to remediate any non-compliance with policies, procedures and regulatory requirements
- Involvement in internal and external audits, Compliance and Risk review
- Evaluated company documentation to verify alignment with regulatory requirements.
- Remained composed and highly professional in fast-paced and constantly changing environment, effectively handling challenging situations and difficult individuals to achieve objectives.
Vice President
J P Morgan Chase
01.2013 - 01.2017
- Certified by Institute of Certified Bankers as a CRCM
- Ensure development and maintenance of strong compliance culture by identifying, measuring, and monitoring compliance with applicable laws, regulations and rules that govern business globally
- Work closely with Line of Business, Legal, Risk, and Audit to provide expertise on regulatory compliance matters
- Assess, measure and report on compliance related risks; monitoring and testing the adequacy of firm's compliance control environment; including training and awareness
- Evaluate Mortgage Banking Servicers for their ability to effectively service, subservice and purchase pools of loans; via due diligence and monitoring activities
- Vendor Oversight to include on-boarding, steady state, disengagement and dormant monitoring and assessment
- Primary Regulations of support: SCRA, RESPA, TILA, FCRA, False Claims Act, UDAAP and Fair Lending
- FNMA/FHLMC/GNMA Serving Guideline and FHA/VA Requirements
Vice President
Butler And Hosch
01.2012 - 01.2013
- Responsible for managing regulatory and investor guidelines including timelines of foreclosure process
- Manage team of liaisons to help facilitate status updates, followups and actions for foreclosure, bankruptcy and litigated cases for seven states on a variety of client systems such as LPSD, Vendorscape, Lenstar and Clarifier
- Work directly with attorneys, mortgage servicers, vendors and operations to keep file progressing through legal process
- Oversight to ensure timelines are met to comply with GSE, Government, CFPB requirements and servicer expectations
- Oversight for title, assignment of mortgage, service of process and review of legal documents
- Manage relationships with clients and vendors to ensure timely completion of foreclosure process, adhere to policies designated by each client
- Conduct reoccurring meetings to provide a comfort level of performance and desired outcome
Vice President
Homeward Residential, Inc
01.2005 - 01.2012
- Responsible for 40-60 associates (stateside and off-shore) to process all monetary transactions including ACH, modifications, default payments, REO, charge off's, short sales, DIL, foreclosure sales and payoffs
- Managed in-house lockbox processing for reject processing– 3- 7780's , sorters, imaging equipment, robust software program (Wausau) including an outsource lockbox processing site in Dallas
- Reconciliation and Investor Reporting to assist in outstanding reconciliation item
- Managed suspense funds daily (MSP and LSAMS)
- Responsible for loan review and approval to Charge off remaining balances on default loans
- Developed tracking system for payments on loans sold to investors – tracking includes detailed report, reconciliation and automated update to loan
- Created monthly reporting for Investors, SOX, Fitch, S&P and FNMA review
- Regulatory oversight for internal processing and liaison for GSE scorecard adherence
Manager
Beal Bank
01.2002 - 01.2005
- Process all proceeds from foreclosure sale - including follow up on redemptions and reimbursements
- Managed Accounts Payable, Payoff and Reinstatement quotes
- Managed all new loan setup for Acquisitions and Originations, Charge - off deficiency balances, Judgment's, process Modifications and other loan adjustments
- Responsible for all monies received via direct mail, lockbox ACH, Wire and DDA Accounts for Beal Bank and Beal Savings Bank - Including payment application on defaulted loans based on foreclosure state guideline
- Reported all 1099 A and C to borrowers
Assistant Vice President
CitiCapital A Subsidiary Of Citi FKA Associates
01.1990 - 01.2002
- Assisted in development and implementation of branch consolidation for Commercial Loan Servicing Center; hired, trained and developed 25 employees, for fleet and end users in Transportation Finance Division
- Managed Acquisitions Cash Processing for 500K loan pool (AMCO)
- Responsible for Loan Administration for Associates Home Equity to include Payment Processing, Payoffs, ACH, Customer Service and Customer Resolution - 60 employees
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Established performance goals for department and provided methods for reaching milestones.
- Communicated with leadership teams to assist with administrative initiatives and decisions and attended weekly meetings to support policy changes.
Skills
- Certified by Institute of Certified Bankers - CRCM
- Verbal and Written Communication
- People Management
- Budget Management
- Rules and Regulations
- Strategic Planning
- Regulatory and Legal Compliance
- Contract and Vendor Management
Timeline
Director
Real Estate USAA
10.2022 - Current
Vice President
J P Morgan Chase
01.2013 - 01.2017
Vice President
Butler And Hosch
01.2012 - 01.2013
Vice President
Homeward Residential, Inc
01.2005 - 01.2012
Manager
Beal Bank
01.2002 - 01.2005
Assistant Vice President
CitiCapital A Subsidiary Of Citi FKA Associates
01.1990 - 01.2002
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