Natalia Gutierrez
East Boston,MA
Summary
Seasoned professional with experience in finance and legal services, specializing in structured finance and compliance. Expertise in managing complex transactions, ensuring regulatory adherence, and conducting in-depth legal research. Seeking an Internal Audit Manager role to leverage extensive background in financial document analysis, risk mitigation, and audit reporting.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Department Attorney
Nixon Peabody LLP
01.2023 - Current
- Represented leading financial institutions and trust companies in trustee, custodian, administrator, and agent roles, actively participating new and refinancing transactions per month
- Conducted in-depth legal research and drafted critical transaction documents to support senior attorneys, ensuring precise and timely delivery of legal services to clients
- Managed complex transaction files and facilitated continuous client communication, driving efficient service delivery and seamless transaction execution
- Leveraged expertise in the Uniform Commercial Code (UCC) to establish and perfect security interests, ensuring compliance and risk mitigation in financial transactions
- Reviewed and analyzed key financial documents—such as indentures, trust agreements, and fiscal agency agreements—ensuring accuracy, compliance with legal standards, and alignment with client objectives
Relationship Manager, Vice President, Collateralized Debt Obligation (CDO)
U.S. Bank Trust National Association
01.2014 - 01.2023
- Company Overview: Wealth Management
- Assessed system and transaction compliance with internal and external regulations, ensuring alignment with AML and KYC standards
- Validated waterfall models to confirm precise allocation of funds and adherence to investor agreements
- Conducted reconciliation of transaction documentation with internal systems, upholding data accuracy and consistency
- Collaborated with legal counsel and clients to align trustee and agent duties with contractual commitments
- Managed stakeholder relationships, including trustees and collateral custodians, and interfaced with Asset Managers, Investment Banks, and Rating Agencies
- Generated detailed audit reports to highlight findings, irregularities, and recommended corrective measures
- Worked closely with legal, risk, and operations departments to rectify issues, enhance compliance protocols, and maintain regulatory compliance
- Oversaw asset cash flows, performed portfolio compliance tests, and managed payment distributions for CDO and CLO transactions
- Engaged in committee work to bolster system upgrades and streamline the account onboarding process
- Wealth Management
Relationship Manager, Assistant Vice President, Structured Finance Services (SFS)
U.S. Bank Trust National Association
01.2013 - 01.2014
- Analyzed and interpreted governing documents to manage cash and asset flow for key structured finance transactions, ensuring compliance with financial and legal regulations
- Oversaw cash and collateral operations, including the investment of balances exceeding $15 billion, while diligently monitoring for trigger events and executing remedial actions to maintain account integrity
- Collaborated with cross-functional teams to develop and deliver comprehensive financial reporting tools, enhancing the efficiency of cash and asset management processes
Account Administrator, Trust Officer, Structured Finance Services (SFS)
U.S. Bank Trust National Association
01.2008 - 01.2013
- Assisted in the execution of 10 to 15 monthly mortgage-backed securities closings, ensuring accurate and timely processing for a Fannie Mae Paying Agent relationship
- Facilitated communication and coordinated activities among various stakeholders including investors, legal counsel, loan servicers, and government agencies to support transactional integrity
- Managed $15 billion in custody accounts for the HFA New Issue Bond Program, ensuring compliance and diligent oversight for a network comprising over 100 participants nationwide
Set-Up Group Team Leader, Structured Finance Services (SFS)
U.S. Bank Trust National Association
01.2007 - 01.2008
- Managed a team of three to efficiently delegate daily tasks, aligning assignments with individual strengths and workload, ensuring operational consistency
- Coordinated departmental projects, including system maintenance and updates, and addressed challenges resulting from the Lehman bankruptcy, enhancing process efficiency
Assistant to Loan Processor Officers
Reliant Mortgage
01.2004 - 01.2005
- Collaborated with clients to compile and prepare mortgage application documentation for Account Officers' evaluation
- Coordinated policy arrangements between clients and insurance companies for new lending agreements
Legal Assistant
Thornton & Naumes, LLP
01.2003 - 01.2004
- Conducted thorough research on insurance policies in relation to workers' compensation, ensuring accurate case status information was communicated to clients and legal professionals
- Supported attorneys by drafting critical legal documents, meticulously completing required forms, and maintaining organized case files for efficient information retrieval
Education
Juris Doctor - Business and Financial Services Concentration
Suffolk University School of Law
Boston, MA05.2016
Bachelor of Science - International Management, Economics Minor
University of Massachusetts Boston
Boston, MA05.2007
Skills
- Risk Assessment
- Analytical Thinking
- Communication
- Internal Controls
- Problem Solving
- Financial Reporting
- Regulatory Compliance
- Project Management
Certification
- Management Accelerator part of Hispanic & Latino Leadership Academy, 01/01/22
- Bar Admission, Commonwealth of Massachusetts, 01/01/16
- Certificate, Mediation, 01/01/16
- Certificate, International Relations
Hobbies and Interests
- Passionate about reading
- Cherish quality time and strong connections with family
- Passionate about discovering new places and immersing myself in different cultures
- A dog lover at heart, happiest around four-legged friends
- Enjoy socializing, forming new connections, and building lasting friendships
Timeline
Department Attorney
Nixon Peabody LLP
01.2023 - Current
Relationship Manager, Vice President, Collateralized Debt Obligation (CDO)
U.S. Bank Trust National Association
01.2014 - 01.2023
Relationship Manager, Assistant Vice President, Structured Finance Services (SFS)
U.S. Bank Trust National Association
01.2013 - 01.2014
Account Administrator, Trust Officer, Structured Finance Services (SFS)
U.S. Bank Trust National Association
01.2008 - 01.2013
Set-Up Group Team Leader, Structured Finance Services (SFS)
U.S. Bank Trust National Association
01.2007 - 01.2008
Assistant to Loan Processor Officers
Reliant Mortgage
01.2004 - 01.2005
Legal Assistant
Thornton & Naumes, LLP
01.2003 - 01.2004
Bachelor of Science - International Management, Economics Minor
University of Massachusetts Boston
- Management Accelerator part of Hispanic & Latino Leadership Academy, 01/01/22
- Bar Admission, Commonwealth of Massachusetts, 01/01/16
- Certificate, Mediation, 01/01/16
- Certificate, International Relations
Juris Doctor - Business and Financial Services Concentration
Suffolk University School of Law
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