LAZERIA MERVIN
Mableton
Summary
Experienced Quality and Compliance Specialist with expertise in AML, KYC, KYB, Enhanced Due Diligence, and Customer Due Diligence. Skilled in Salesforce, data entry, and compliance operations, with a strong background in risk analysis, compliance projects, loan origination, and loss mitigation. Proficient in maintaining quality standards, internal controls, and regulatory guidelines.
Overview
14
14
years of professional experience
Work History
Quality Specialist
Eisman & Russo
11.2024 - 07.2025
- Monitor and evaluate products, services, and processes to ensure compliance with quality standards and regulations
- Conduct quality audits, inspections, and reviews of procedures and documentation
- Identify quality issues, root causes, and trends; recommend corrective and preventive actions (CAPA)
- Maintain and update quality records, reports, and documentation
- Support development, implementation, and maintenance of quality management systems (QMS)
- Collaborate with cross-functional teams to improve efficiency and quality performance
- Ensure compliance with internal policies, customer requirements, and applicable regulations
- Assist with training staff on quality standards, procedures, and best practices
- Participate in continuous improvement initiatives and process optimization projects
CTR/AML/KYC Analyst
Wipro (TD Bank)
07.2024 - 11.2024
- Monitored transactions using Actimize/MANTAS/NICE, identifying unusual patterns.
- Investigated and filed SARs for potential money laundering cases.
- Created detailed reports of investigations to include actions taken and results, including completing Currency Transaction Reports (CTRs) when appropriate.
- Ensured compliance with BSA, USA PATRIOT Act, and FATF guidelines.
- Analyzed high-risk customers and identify potential money laundering or fraud risks.
- Ensure compliance with regulatory requirements (e.g., USA PATRIOT Act, BSA, FinCEN, FATF
- EU AML Directives).
- Performed transaction monitoring to detect suspicious activities and escalate alerts.
- Stay updated on AML regulations, sanctions lists (OFAC, UN, EU), and industry best practices.
- Prepare and file Suspicious Activity Reports (SARs) and other regulatory reports.
- Review and verify KYC documents (IDs, financial statements, ownership structures, etc.)
Risk Analyst
Silverton Mortgage
03.2023 - 07.2024
- Analyzed data, financial reports, and market trends to identify potential risks.
- Prepared reports, presenting findings and communication risk assessments to stakeholders.
- Developed and implements plans to minimize the impact of identified risks.
- Created contingency plans, adjusted processes, or recommending policy changes.
- Analyzed continuously monitor risks, track potential impact and reports findings.
- Worked with various departments to ensure risk management strategies are understood and integrated.
AML/KYC Analyst
Silverton Mortgage
07.2019 - 03.2023
- Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) on new and existing customers, including individuals and businesses.
- Maintain knowledge of all current government regulations and changes in regulations.
- Investigated and filed SARs for potential money laundering cases.
- Maintain up-to-date knowledge of regulatory requirements and industry trends related to AML/KYC.
- Utilize systems like Salesforce, LexisNexis, Oracle, and internal case management tools for investigations and reporting.
- Prepared detailed, well-documented risk assessment narratives and provide risk recommendations to support decision-making for senior management and regulators.
- Review and verify KYC documents (IDs, financial statements, ownership structures, etc.).
- Analyze individual loan files and adhere to compliance guidelines.
Compliance Specialist
Angel Oak Mortgage
01.2015 - 03.2019
- Reviewed and research initial disclosures for compliance and accuracy.
- Responsible for various aspects of risk and control, include but are not limited to Information Security, Continuation of Business and Records Management.
- Review and complete Compliance projects on a weekly/monthly basis to meet specific requirements.
- Conduct analysis of risk and associated controls to identify root cause and collaborate with peers and management to report findings with solutions to mitigate risk/control issues.
- Disclose and re-disclose loans in accordance with state and regulatory guidelines.
- Input loan origination data into Encompass, Maintain company-defined quality and quantity standards.
- Partner with peers and management on various activities, including developing and executing business plans within area of responsibility, developing compliance guidelines and completing monthly, quarterly, and other periodic risk & control reporting to be used for various forums.
- Audits assessing risks, evaluating internal controls, and ensuring compliance with laws and regulations.
- Delivering scoping memos, designing effective test plans.
- Analyze suspicious transactions. Reviewed AML/KYC documents.
- Conducting due diligence or customers to assess potential risk. Monitoring transactions and detecting suspicious activities.
- Reviewed and verified customer identification and documentation.
- Generating comprehensive reports detailing KYC findings and risk assessments.
- Deliver training to new employees and provides subject matter expertise support.
Closing Disclosure Analyst
Crescent Mortgage
01.2014 - 12.2015
- Ensure all compliance guidelines and regulations are met at time of mortgage loan origination and submission.
- Ensure all data entered in loan origination system is accurate and verified.
- Review and audit early disclosures, review and approve HUD-1 Settlement Statements
- Process HIGH-cost test, manual tolerance test, and gather snapshots to ensure closing legal limit thresholds are met RESPA.
- Review and ensure state and federal regulations are within compliance for FHA, VA, USDA, Conventional, refinance and purchase loans.
- Escalate and report deficiencies identified to brokers and management team.
- Process and submit preliminary and final closing disclosures in a secure delivery method to TPO, brokers, and contract processing parties.
- Input data to generate upfront compliance disclosures, Send disclosure packages to investors
Front-End Forensic Underwriter
Crescent Mortgage
01.2012 - 12.2014
- Review employment documentation and re-calculate income documentation for completeness and accuracy per guidelines.
- Review title commitments and policies, appraisal for guidelines and USPAP compliance.
- Review and analyze borrower's mortgage applications, credit reports and related documents.
- Review and analyze real estate purchase contracts.
- Review state and federal disclosures for compliance, verify proper licensing of parties to loans being reviewed.
- Analyze individual loan files and determine compliance with applicable lender guidelines.
- Perform in-depth research to document critical credit documentation is accurate income, employment, occupancy, credit, assets, valuation, contract, HUD-1, interested party involvement
Loss Mitigation Underwriter/Quality Assurance
Digital Risk
01.2012 - 12.2012
- Review employment documentation and re-calculate income documentation for completeness and accuracy per guideline requirements.
- Maintain quality rating of 98%
- Promoted to Standalone Underwriter, responsible for reviewing and quality controlling files.
- Assess borrower's loan application factors such as employment, income, credit, collateral, and assets.
- Conduct precise calculations for various mortgage metrics.
- Guided various mortgage loan transactions like purchase, refinance, etc., using FNMA/FHLMC reference guidelines.
- Inspect title commitments and policies.
- Review and provide Quality Assurance feedback on loan file reviews completed by internal staff.
- Ensure compliance with work scopes by following quality assurance protocols.
- Provide precise and constructive feedback to the Loan Review team.
- Inspect title commitments and policies.
Education
Florida Community College At Jacksonville
01-2003
High School Diploma -
William M. Raines High School
01.1998
Skills
- Quality Assurance & Quality Control (QA/QC)
- AML, KYC, KYB Compliance
- Customer Due Diligence (CDD) & Enhanced Due Diligence (EDD)
- Regulatory Standards & Mortgage Servicing Compliance
- Operational Risk Assessment & Issue Identification
- External Audit Support & Quality Reviews
- Underwriting File Review & Accuracy Checks
- Salesforce (CRM) & Quality Tracking
- Data Entry Validation & Documentation Control
Timeline
Quality Specialist
Eisman & Russo
11.2024 - 07.2025
CTR/AML/KYC Analyst
Wipro (TD Bank)
07.2024 - 11.2024
Risk Analyst
Silverton Mortgage
03.2023 - 07.2024
AML/KYC Analyst
Silverton Mortgage
07.2019 - 03.2023
Compliance Specialist
Angel Oak Mortgage
01.2015 - 03.2019
Closing Disclosure Analyst
Crescent Mortgage
01.2014 - 12.2015
Front-End Forensic Underwriter
Crescent Mortgage
01.2012 - 12.2014
Loss Mitigation Underwriter/Quality Assurance
Digital Risk
01.2012 - 12.2012
Florida Community College At Jacksonville
High School Diploma -
William M. Raines High School