Michael Zullo
Spring
Summary
Detail-oriented and analytical professional with experience supporting compliance adherence, and operational accuracy in high-volume financial and retail environments. Skilled in conducting audit-style reviews, including cash handling and safe audits, identifying discrepancies, and ensuring compliance with internal controls, policies, and procedures. Experienced in reviewing files for accuracy and completeness, validating documentation, and supporting structured workflows. Strong background in issue resolution, risk mitigation, and process improvement. Seeking to leverage transferable auditing and compliance experience in a Mortgage Quality Control Auditor role.
Overview
7
7
years of professional experience
Work History
Disclosure Desk Associate
Home American Mortgage
12.2025 - Current
- Generated and issued initial disclosures and re-disclosures, ensuring accuracy, regulatory compliance, and timely delivery in alignment with TRID and RESPA timelines.
- Perform detailed audit-style validation of loan data accuracy, including fees, loan terms, and borrower information prior to disclosures being sent.
- Monitored and prioritized high-volume disclosure request inboxes, ensuring accurate and timely manner.
Compliance Specialist
CLM Mortgage
04.2025 - 12.2025
- Reviewed loan applications for compliance with federal and state regulations, ensuring accuracy in documentation.
- Performed "Wire Approval" verification by validating funding amounts, recipient details, and closing documentation to ensure accuracy and prevent fraud.
- Processed and issued loan cancellations and denial notices in compliance with regulatory requirements and company policies.
- Collaborated with Compliance Manager to prepare regulatory reports, adhering to federal guidelines.
- Reviewed and approved marketing and advertising flyers to ensure compliance with regulatory guidelines and company policies.
Fulfillment Expert
TARGET CORPORATION
04.2020 - Current
- Maintain a high level of order accuracy and attention to detail to meet company standards and customer satisfaction.
- Work with managers to ensure all fulfillment tasks align with store goals and operational objectives.
- Assist in training new team members on fulfillment processes, equipment use, and company policies.
- Collaborated with cross-functional teams to meet daily order volume goals and ensure timely fulfillment across multiple sites.
Service Operations Assistant
Randall's
03.2019 - 02.2020
- Performed secure cash handling procedures by auditing safe and tills, identifying discrepancies and implementing corrective actions as needed.
- Supervised employees in front of store operations and customer experience.
- Assist in training and mentoring new staff, ensuring adherence to operational procedures and company policies.
- Collaborated closely with management to support daily operations and ensure team efficiency.
Education
High School Diploma -
Abeka Academy
Scottsdale, AZ05-2020
Skills
- Regulatory Compliance, Documentation Review
- Attention to Detail, Critical Thinking, Problem Solving, Process Improvement, Organizational Skills
- High-Volume Workflow Management, Deadline Management, Time Management, Multi-Tasking
- Cross-Functional Collaboration
- Microsoft Excel (Data Tracking / Reporting)
- Microsoft Outlook (High-Volume Inbox Management)
- Encompass LOS
- MeridianLink LOS
Timeline
Disclosure Desk Associate
Home American Mortgage
12.2025 - Current
Compliance Specialist
CLM Mortgage
04.2025 - 12.2025
Fulfillment Expert
TARGET CORPORATION
04.2020 - Current
Service Operations Assistant
Randall's
03.2019 - 02.2020
High School Diploma -
Abeka Academy