Michael LAROSA, MBA
Dingmans Ferry,PA
Summary
Dedicated and detail-oriented professional with extensive experience in Compliance, Legal, and Risk. Proven track record of conducting thorough risk assessments, and ensuring legal adherence across all aspects of business operations. Skilled in analyzing complex legal documents, interpreting intricate regulatory requirements, and communicating effectively with stakeholders at all levels. Seeking to leverage my expertise to drive organizational success through proactive risk management and compliance solutions.
Overview
6
6
years of professional experience
Work History
Branch Examiner
LPL Financial
01.2023 - Current
- Responsible for independently performing all functions of the branch examination, including the evaluation of branch activities to assess/monitor compliance with company policies and procedures as well as applicable federal and state laws and regulations
Adjunct Instructor
Southern New Hampshire University
08.2020 - Current
- Facilitate one to two undergraduate business courses per term
- Developed and taught undergraduate college-level business courses incorporating a variety of teaching methods to engage students and promote active learning
- Facilitated classroom discussions, graded assignments, and provided timely feedback to students to help them achieve academic success
- Collaborated with department faculty to assess student learning outcomes and make necessary adjustments to course curriculum
- Mentored and advised students on academic and career goals, providing guidance and support throughout their educational journey
- Presented at professional development workshops and conferences to enhance teaching skills and stay current on best practices in higher education
Compliance Consultant
Wolf & Company
09.2022 - 11.2022
- Responsible for independently performing all functions of the examination for consumer lending products offered by financial institutions including banks and credit unions
- Conducted thorough compliance reviews and assessments of internal policies and procedures to ensure adherence to regulatory requirements
- Developed and implemented compliance training programs for staff members to enhance understanding of regulations and promote a culture of compliance
- Collaborated cross-functionally with legal, risk management, and operational teams to address compliance issues and drive process improvements
- Prepared comprehensive compliance reports and presented findings to regulatory authorities during audits and examinations
Customer Advocate
Freedom Mortgage
09.2021 - 08.2022
- Responsible for the processing of and entering of client documentation into the CRM and underwriting system
- Ensured compliance of mortgage loan applications and timely underwriting review
- Acted as the key point of contact for customers, providing solutions to inquiries and addressing any concerns promptly
- Conducted in-depth research and analysis to understand customer needs and preferences, utilizing this information to improve overall customer satisfaction
- Collaborated with cross-functional teams to resolve complex customer issues and ensure a seamless customer experience
- Implemented customer feedback initiatives to gather insights and make data-driven decisions for continuous improvement of products and services
- Proactively identified potential issues and developed proactive strategies to enhance customer loyalty and retention efforts
Mortgage Loan Processor
Citibank
09.2018 - 09.2021
- Responsible for the processing of client documentation into the underwriting system for review and decision
- Ensured compliance of mortgage loan applications and timely underwriting review
- Thoroughly reviewed and processed mortgage applications, ensuring all required documents were accurately completed and submitted on time
- Communicated effectively with borrowers, underwriters, and loan officers to resolve any discrepancies or issues in loan applications
- Utilized industry-specific software to input and track loan information, follow up on required documentation, and update loan statuses
- Conducted detailed verification of applicant information, including employment, income, and credit history, to validate loan eligibility
- Maintained a high level of accuracy and attention to detail in reviewing and organizing loan documents to facilitate timely closing of loans
Education
Master of Business Administration -
Southern New Hampshire University
Manchester, NH01.2021
Bachelor of Arts - General Studies - Public Relations
Southern New Hampshire University
Manchester, NH12.2019
Associate of Applied Science - Visual Communications
Gibbs College
Livingston, NJ12.2004
Skills
- Financial Audits
- Risk Management
- Compliance
- Credit Risk Management
- Underwriting
- Mortgage Operations
- Client Relationship Management
- Credit Analysis
- Teaching
Websites
Timeline
Branch Examiner
LPL Financial
01.2023 - Current
Compliance Consultant
Wolf & Company
09.2022 - 11.2022
Customer Advocate
Freedom Mortgage
09.2021 - 08.2022
Adjunct Instructor
Southern New Hampshire University
08.2020 - Current
Mortgage Loan Processor
Citibank
09.2018 - 09.2021
Bachelor of Arts - General Studies - Public Relations
Southern New Hampshire University
Associate of Applied Science - Visual Communications
Gibbs College
Master of Business Administration -
Southern New Hampshire University
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