Moe Mansaray
Corona
Summary
Eager to contribute academic credentials and talents in Regulatory Compliance and Risk Management toward supporting the employer by monitoring and mitigating operational and regulatory risks.
Seasoned background in financial services with proficiency in regulatory compliance, risk management, internal controls, audits, gap/trend analysis, account reviews, investigations, and report preparation. Excel in researching, uncovering and analyzing complex data, choosing appropriate course of action, and reporting findings to top-level leadership and government authorities. Possess sound knowledge of Consumer Financial Protection Bureau (CFPB) guidelines.
Overview
15
15
years of professional experience
Work History
Compliance Risk Manager
Clarity Debt Resolution Inc/Palisade Law Group
Irvine
04.2023 - Current
- Design and implement internal and external policies to meet all applicable Statutory and Federal rules and Regulations
- Researches all applicable laws and regulations, including but not limited to; The Telemarketing Sales Rule(TSR),The Telephone Consumer Protection Act Policy (TCPA), The Fair Debt Collection Practices Act (FDCPA) and The Unfair Deceptive or Abusive Acts or Practices(UDAAP).
- Perform comprehensive analysis of Statutory and processed the applications to ensure full licensure and registrations for the organization.
- Conduct an annual Risk Assessments to determine the organization’s overall risk level and investigate and implement controls to minimize compliance and operational risk.
- Develop, implement, and train employees on a risk-based Compliance Program to ensure full compliance within the organization both in the USA and our overseas locations.
Compliance Analyst
Servicing Solutions LLC
Anaheim
11.2021 - 01.2023
- As a third party Consumer loan servicer, while working closely with other department heads, I record violations and implement training to make sure that all departments are in Compliance.
- Overall, my job is to ensure business units conform to internal policy and procedures, federal/state/local government requirements, investor criteria, and product-specific guidelines.
- Weekly meetings with Chief Compliance Officer to discuss and analyze legal or regulatory requirements for our clients line of business.
- And also, to make sure our business operational licenses are current or renewed in all 50 states.
- Maintains legal and regulatory compliance by testing and monitoring all aspect of our line of business.
- Plays a vital role in company compliance audits and analyzing compliance program effectiveness.
Compliance Auditor / Risk Management
Carrington Mortgage Services Holding LLC
Aliso Viejo
06.2019 - 11.2021
- Methodically conduct monthly and quarterly audits to ensure business units conform to internal policy and procedures, federal/state/local government requirements, investor criteria, and product-specific guidelines.
- Work closely with upper management to monitor and enforce rigorous compliance with federal regulations such as FDCPA, UDAAP, ECOA, RESPA, and SCRA.
- Effectively plan, schedule, coordinate, and execute audit assignments, and maintain precise documentation for all audit findings and approaches.
- Analyze and update existing compliance policies and related documentation.
- Actively support risk management by identifying and investigating potential OFAC matches.
- Leverage LexisNexis software to verify loan applicants are not on OFAC SDN (Specially Designated Nationals) and Blocked Persons List.
Loan Servicing Quality Assurance Representative
Rushmore Loan Management Servicing
Irvine
07.2014 - 11.2019
- Assessed accounts handled by servicing agents to ensure precise alignment with company’s policies and procedures, and diligently ensured receivables were collected by investors.
- Notified management as needed regarding agents’ compliance with FDCPA, UDAAP and other major financial regulatory requirements such as Reg X (RESPA) and Reg B (Equal Credit Opportunity).
- Verified CFPB requirement specific to mortgage loan servicing in Dodd-Frank Regulatory Reform Act was implemented during customer communications.
Risk Management / Compliance Officer
Promontory Financial Group / Robert Half International
Irvine
01.2011 - 12.2013
- Managed and maintained pipeline of primarily Fannie Mae investor loans.
- Reviewed files from modified and foreclosed loans to ensure conformance to HAMP guidelines, analyzed data to identify trends, and examined income calculation and debt ratio to identify harm or error.
- Assembled comprehensive loan histories to determine validity for foreclosure decision, and re-wrote files to determine errors made in underwriting decision.
- Joined forces with senior management, US regulators and foreign regulators to collectively monitor and ensure compliance with AML and OFAC requirements.
- Meticulously completed claim review and harm evaluations according to Promontory/OCC definitions.
- Ascertained financial injury and associated amounts, held accountability for final determination of harm, and documented findings.
- Standardized, implemented, and continually enhanced risk assessment processes and practices.
Education
L.L.M. - Compliance & Risk Management
Thomas Jefferson School of Law
B.A. - Economics and Finance
Kean University of New Jersey
Skills
- Loss Mitigation
- Project & Team Leadership
- Underwriting
- Internal Controls
- Quality Assurance
- Asset Management
Timeline
Compliance Risk Manager
Clarity Debt Resolution Inc/Palisade Law Group
04.2023 - Current
Compliance Analyst
Servicing Solutions LLC
11.2021 - 01.2023
Compliance Auditor / Risk Management
Carrington Mortgage Services Holding LLC
06.2019 - 11.2021
Loan Servicing Quality Assurance Representative
Rushmore Loan Management Servicing
07.2014 - 11.2019
Risk Management / Compliance Officer
Promontory Financial Group / Robert Half International
01.2011 - 12.2013
L.L.M. - Compliance & Risk Management
Thomas Jefferson School of Law
B.A. - Economics and Finance
Kean University of New Jersey
Similar Profiles
Joseph Richard O. Jr. Potvin TisolJoseph Richard O. Jr. Potvin Tisol
Quality Assurance Analyst at CLARITY DEBT RESOLUTIONQuality Assurance Analyst at CLARITY DEBT RESOLUTION
Samuel RoqueSamuel Roque
Negotiator Specialist at Clarity Debt ResolutionNegotiator Specialist at Clarity Debt Resolution
Firas Al-NathshehFiras Al-Nathsheh
Negotiator at Clarity Debt ResolutionNegotiator at Clarity Debt Resolution
Jesse SotoJesse Soto
Babysitter at Tiffany TriceBabysitter at Tiffany Trice
Daniella SuarezDaniella Suarez
Freelance Writer at Self EmployedFreelance Writer at Self Employed