Maria Rivera
Compliance Manager
Fort Worth,TX
Summary
Detail-oriented Compliance Manager offering years of expertise in risk management, policy development and strategic planning. Advanced knowledge of regulatory compliance with proven track record of partnering with executives and business leaders to identify vulnerabilities and create corrective actions. Collaborative and team-oriented with excellent communication and interpersonal skills to foster strategic partnerships and promote company reputation.
Overview
14
14
years of professional experience
Work History
Compliance Manager-Fair Housing & Fair Lending
NationStar Mortgage-Mr. Cooper
10.2016 - Current
- Provides Compliance oversight and support for Fair Housing and Fair Lending functions
- Collaborate with other internal areas including Legal, Operations, Business Management, and Risk to address compliance issues which may impact the supported business
- Assist with regulatory inquiries and/or examinations for CFPB
- Review complaints for Fair Lending and unfair, deceptive, or abusive acts for financial products or services offered to our consumers
- Serves as the Privacy Analyst to review possible breach of information incidents and receives direction from legal counsel to proceed accordingly
- Perform call monitoring for quality assurance and speech analysis to identify overall compliance related behavior trends and communicate findings to management
- Support with the modification of policy and procedures
- Create and maintain documentation of processes, reports, and procedures as per department policy
- Assists in the development and administration of New Hire Compliance training
- Additional duties as assigned.
Senior Compliance Analyst – Licensing Compliance
NationStar Mortgage-Mr. Cooper
04.2015 - 10.2016
- Apply knowledge and expertise to determine whether established policies, procedures, and controls are effective to ensure compliance per RESPA, CFPB, and other current regulatory and investor guidelines
- Corresponds with state regulators to ensure proper licensing procedures are adhered to and ensures compliance review procedures are conducted accordingly
- Perform individual on-site branch audits, monitoring for the proper display of approved licensure to conduct ethical business
- Prepare new company license applications and renewals, along with preparing amendment documentation for existing licensing entities
- Responsible for ordering and monitoring all required state and federal Origination Professionals education
- Process, submit and track license submissions and renewals within the NMLS System and state regulator websites to ensure proper licensing is in place
- Maintains Origination Professional’s, Branch and Company licenses within the Compliance License Tracker (CLT) and Encompass Data Bases to ensure accurate information is captured
- Reconciles and submits payment requests for surety bond and licensing expenses through the Concur payment center and TRIMS systems.
Client Relationship Manager –Correspondent Channel
NationStar Mortgage-Mr. Cooper
04.2013 - 04.2015
- Direct point of contact for assigned investors, included managing pipelines, emails, and inbound calls
- Quality review (QC) of each loan to ensure the loan is purchasable per RESPA, CFPB, and other current regulatory and investor guidelines
- Maintained daily tracking reports of production, quality control, and response times and delivered results to management
- Added necessary conditions in loan file to ensure loan was eligible for purchase, also documented reasons loans were ineligible for purchase if applicable
- Review and clear outstanding conditions per documentation received from the investor with applied knowledge in FHA, USDA, VA, and Conventional guidelines
- Completed Compliance Ease reports, review and resolve any unknown issues
- Ensured collateral and wiring instructions were received by the warehouse bank prior to purchasing the loan.
Relationship Manager
GMAC ResCap
07.2011 - 04.2013
- Directly contact customers in my assigned portfolio in the foreclosure process, establish a relationship with the customer and provide the homeowner with detailed options in home retention and non-foreclosure liquidation processes
- Accurately pre-qualify customers for modification programs, identify missing documents and request additional documents needed to continue review
- Provided detailed explanations regarding reasons for modification approval or denial and provided additional options available per the final decision given.
Operations Consultant
Bank of America
04.2011 - 06.2011
- Responsible for the day-to-day resolution of complex problems and the execution of complex transactions for a single site/business unit or smaller business unit(s), including research, providing in-depth resolutions to avoid further legal escalation
- Detailed response and correspondence provided on behalf of the CEO and President, response given to various parties including the consumer, third party advocate, Attorney General Office, public officials, and/or Office of the Comptroller of the Currency (OCC).
Home Service Specialist II (Processor)
Bank of America
11.2010 - 04.2011
- Responsible for processing of loans approved by an Underwriter or automated decision system
- Clear conditions and issue changes to the terms on previously approved loans and verifying conditions of approval which may include customer income/assets documentation, adhering to laws and regulations and company policy and procedures
- In addition, resolve routine title issues including vesting issues, child support liens, judgments, and mechanic liens
- Processes subordinations, resolve appraisal disputes, and coordinate closing activities
- Maintain a high level of customer service by being proactive in communication with customers, may include banking center associates, realtors, etc.
FCL Servicing Team Manager
Bank of America
03.2010 - 11.2010
- Managed a team of 10 - 20 servicing associates and was responsible for day-to-day supervision and coaching of the team along with completing performance evaluations and salary reviews
- Ensured the team efficiently completed transactions and milestones for the assigned portfolio; conducted daily reports and logs to effectively meet sale dates
- Maintain relationships with investors and portfolio managers to ensure deliverable quality of service.
Education
High School Diploma -
North Side High School
Fort Worth, TXSkills
- Encompass
- RATA
- CFPB
- Compliance Laws
- TRIMS
- Archer/NMLS
- RESPA/ECOA
- FDCPA/FCRA
- Verint
- Dynamics 365
- HMDA
- UDAAP
- Share Point
- Fair Lending
- MS Office Applications
- OFAC
- SCRA
- Regulatory Documentation
- Compliance Documentation
- Regulatory Examinations
- Regulatory Standards
- Industry Knowledge
- Incident Response
- Compliance Monitoring
Accomplishments
- Top Producer Award-Bank of America: Platinum Club 2006
- Top Producer Award-Bank of America: President’s Club 2007
Languages
Spanish
Native or Bilingual
Timeline
Compliance Manager-Fair Housing & Fair Lending
NationStar Mortgage-Mr. Cooper
10.2016 - Current
Senior Compliance Analyst – Licensing Compliance
NationStar Mortgage-Mr. Cooper
04.2015 - 10.2016
Client Relationship Manager –Correspondent Channel
NationStar Mortgage-Mr. Cooper
04.2013 - 04.2015
Relationship Manager
GMAC ResCap
07.2011 - 04.2013
Operations Consultant
Bank of America
04.2011 - 06.2011
Home Service Specialist II (Processor)
Bank of America
11.2010 - 04.2011
FCL Servicing Team Manager
Bank of America
03.2010 - 11.2010
High School Diploma -
North Side High School
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