Marnecia Hargraves
Henderson,NV
Summary
Dynamic Risk and Compliance Analyst with a proven track record at MR. COOPER, adept in legal research and project management. Excelled in enhancing compliance processes and mitigating risks, showcasing a blend of analytical prowess and strategic thinking. Demonstrated excellence in fraud investigation and fostering corporate governance, driving significant process improvements.
Overview
15
15
years of professional experience
Work History
Risk and Compliance Analyst
MR. COOPER
Irving, TX
03.2022 - Current
- Examine risks that could cause a possible consequence of a potential change to a business
- Collecting, analyzing, and reporting on data related to program operations and using results to draft process improvement recommendations to management
- Experience creating projects and written presentations for process improvement recommendations to management or other internal stakeholders
- Developed policies and procedures for AML compliance processes.
- Identified potential threats, vulnerabilities and suspicious behavior patterns and recommended mitigation measures.
- Ensured compliance with company policies, procedures, and safety regulations in the workplace.
- Developed processes for identifying, assessing and mitigating compliance risk throughout the organization.
Customer Relations Specialist II
MR. COOPER
Irving, TX
10.2015 - 03.2022
- Participated in team meetings to share best practices regarding customer relations management.
- Ensured that each complaint is documented and researched completely and staying within compliance
- Resolved customer complaints promptly and efficiently.
- Experience in operations, internal compliance, monitoring, and assuring overall compliance with federal/state laws and regulations as well as policies and procedures
- Knowledge of compliance regulations such as TRID, RESPA and TILA, and other regulatory developments related to consumer protection laws
- Thoroughly researched accounts that include complaints related to Escrow, Modification Denial Appeals, Payment Processing, Fraud Complaints, Active and Discharged Bankruptcy, Better Business Bureau, Consumer Financial Protection Bureau (CFPB) and Legal Litigation
- Reviewed customer identification documents for accuracy, completeness, and authenticity.
- Analyzed results of complex investigations and delivered concise written conclusions to management.
Senior Loan Modification Specialist/Underwriter
NATIONSTAR MORTGAGE
Lewisville, TX
01.2013 - 09.2015
- Responsibilities include documenting income calculation methodology in a clear and concise manner, making sure that all income calculations are correct
- Responsible for detecting fraud with good business judgment and document perfection
- Approve or decline Home Affordable Modification Program (HAMP) submissions based on a strong understanding of Treasury, investor, and internal guidelines, directives, policies and procedures
- Making sure that all documents are with a 90 day time limit upon submission
- Ordering and obtaining legal fees from attorneys on accounts that are in foreclosure
- Managing Daily Production Reports, to ensure daily production goals are being met
Loan Modification Specialist
NATIONSTAR MORTGAGE
Lewisville, TX
07.2011 - 12.2012
- Responsibilities include converting loans with validated HAMP trial plans to final HAMP modification when second to last payment has been posted
- Evaluate when GSE loans require investor reclass and ensure reclass is complete prior to booking
- Validate accuracy of modification documents prior to vendor shipping
- Contact customer to follow up on return of signed modification documents, closing stipulations and final payment posted prior to booking
- Validate accuracy of modification documents once received from the customer
- Accurately close out cases in internal systems prior to end of current month
Default Servicing Collector
BANK OF AMERICA
Plano, TX
03.2010 - 06.2011
- Responsibilities include resolving late stage delinquencies on home loans through both inbound and outbound collections calls
- Work with customers to help them understand their mortgage terms, review delinquency patterns and negotiate payment arrangements
- Duties also include processing transactions on delinquent accounts and also current as well
- Provide debt counseling when needed to homeowners who do no pre-qualify for loan modifications, and prequalify mortgagors for loan modifications such as Home Affordable Modification Program and Making Homes Affordable
- Systems used but not limited to are LAFA, AS400, Microsoft Word, Excel and Outlook
Education
Bachelor of Arts - Liberal and Communication Arts
WILLIAMS BAPTIST COLLEGE
Walnut Ridge, ARSkills
- Proficient in Microsoft Word
- Proficient in Salesforce
- Proficient in SharePoint
- Proficent in Microsoft Office Applications
- Compliance
- Project management
- Legal research
- Internal auditing
- Compliance monitoring
- Fraud investigation
- Corporate governance
- Vulnerability examination
References
Available upon request.
Timeline
Risk and Compliance Analyst
MR. COOPER
03.2022 - Current
Customer Relations Specialist II
MR. COOPER
10.2015 - 03.2022
Senior Loan Modification Specialist/Underwriter
NATIONSTAR MORTGAGE
01.2013 - 09.2015
Loan Modification Specialist
NATIONSTAR MORTGAGE
07.2011 - 12.2012
Default Servicing Collector
BANK OF AMERICA
03.2010 - 06.2011
Bachelor of Arts - Liberal and Communication Arts
WILLIAMS BAPTIST COLLEGE
Similar Profiles
Sara RobinsonSara Robinson
Mortgage Professional at Mr. CooperMortgage Professional at Mr. Cooper
Drew DemickDrew Demick
Escalation Specialist at Mr. CooperEscalation Specialist at Mr. Cooper
Michelle LeeMichelle Lee
Learning Sales Specialist II at Mr. CooperLearning Sales Specialist II at Mr. Cooper
Jamie BarillasJamie Barillas
Assistant Vice President, Sales at Mr. CooperAssistant Vice President, Sales at Mr. Cooper
Brenna WilliamsBrenna Williams
Assistant Director at La Petite Academy Inc.Assistant Director at La Petite Academy Inc.