Patty L. Campbell
Athens
Summary
Experienced mortgage compliance and quality control executive with over 30 years in the industry, including 10 years in senior leadership. Expertise in regulatory compliance, risk assessment, and enterprise-level policy development. Deep knowledge of TILA, RESPA, HMDA, ECOA, and MERS protocols. Skilled at building compliance frameworks, leading audits, and fostering relationships with regulators and cross-functional teams. Results-driven professional committed to organizational compliance and operational excellence.
Overview
27
27
years of professional experience
1
1
Certification
Work History
EVP Chief Compliance and Risk Officer / QC Director
Highlands Residential Mortgage, Ltd.
03.2015 - Current
- Lead enterprise-wide compliance initiatives, ensuring adherence to federal, state, and local regulations across all mortgage operations.
- Direct the Quality Control program, overseeing audit processes, root cause analysis, and departmental collaboration to improve loan accuracy and operational integrity.
- Develop and implement enterprise risk mitigation strategies to minimize financial and regulatory exposure; regularly report risk assessments to executive leadership and the board.
- Manage MERS compliance, HMDA reporting, and fair lending assessments with a focus on data integrity and regulatory accuracy.
- Act as primary liaison with regulators and external legal counsel, coordinating examination responses and guiding companywide compliance matters.
- Conduct internal training to reinforce a culture of compliance; monitor evolving regulations and adjust policies to maintain proactive alignment.
- Oversee preparation and timely submission of state call reports; previously managed corporate licensing operations.
Sr. Manager, Compliance and Quality Control Departments
NTFN, Inc.
06.2009 - 03.2015
- Developed, maintained, and enforced compliance policies and procedures to align with evolving federal and state mortgage regulations.
- Conducted regulatory audits, compliance risk assessments, and internal control evaluations across loan origination and operational processes.
- Spearheaded regulatory testing and documentation for TILA, RESPA Reform, ECOA, HMDA, MDIA, SAFE Act, and Regulation Z; collaborated with regulators including the CFPB.
- Served as BSA/AML Compliance Officer and Ombudsman under company Complaint Policy, enhancing consumer protections and internal accountability.
- Managed post-closing and prefunding quality control programs, including system oversight and implementation of auditing software systems.
- Directed appraisal operations ensuring compliance with Appraiser Independence Requirements (AIR); performed advertising and marketing compliance reviews.
- Oversaw vendor management, corporate training initiatives, and federal and state reporting obligations (e.g., HMDA, ECOA).
Operations Manager / Sr. Underwriter
Accredited
01.2006 - 01.2007
- Managed team of underwriters specializing in Alt-A mortgage products, ensuring compliance with lending guidelines and risk thresholds.
- Streamlined underwriting workflows and enhanced team communication to boost loan review efficiency and service levels.
VP of Operations / Sr. Underwriter, Correspondent Division
Quotemearate.com
01.2004 - 01.2006
- Directed daily operations for the correspondent lending division; led underwriting efforts across high-volume pipelines.
- Built cross-functional communication between sales, processing, and underwriting to ensure operational accuracy and turn time performance.
Operations Manager / Sr. Underwriter
SunTrust Mortgage
01.2002 - 01.2004
- Oversaw underwriting staff for retail loan operations, ensuring adherence to internal credit policies and investor guidelines.
- Provided performance coaching and mentoring to strengthen underwriting accuracy and consistency.
Underwriting Manager
Wells Fargo
06.2001 - 01.2002
- Managed residential underwriting operations, evaluating credit risk across a wide variety of loan products.
- Collaborated with leadership to refine underwriting standards and implement best practices across teams.
Vice President – National Underwriting Manager
Allied Mortgage
01.1998 - 01.2001
- Led a national team of underwriters, ensuring accurate credit decisions and regulatory compliance across multiple regions.
- Monitored pipeline activity and staffing to maintain service-level agreements; implemented process and system improvements to reduce error rates and enhance file quality.
Education
Bachelor of Science (BS) - Equestrian/Equine Studies with focus on Business Administration
Post University
Waterbury, CT08.2025
Bachelor of Applied Science (BASc) - Legal Studies
Berkeley College
New York, NY01.2020
Skills
- Mortgage Compliance & Risk Management
- Quality Control Program Oversight
- Regulatory Policy Development (TILA, RESPA, ECOA, HMDA, Reg Z)
- HMDA/Fair Lending/AML Audits & Reporting
- Team Leadership & Cross-Functional Collaboration
Certification
- Direct Endorsed Underwriter – Dept of Housing and Urban Development, 1998
- VA SAR & Credit Underwriter – Dept of Veterans Affairs, 1998
Additional Information
Volunteer Firefighter and Texas Certified Emergency Medical Technician – City of Kaufman and College Mound Fire Departments 2020-2023
Timeline
EVP Chief Compliance and Risk Officer / QC Director
Highlands Residential Mortgage, Ltd.
03.2015 - Current
Sr. Manager, Compliance and Quality Control Departments
NTFN, Inc.
06.2009 - 03.2015
Operations Manager / Sr. Underwriter
Accredited
01.2006 - 01.2007
VP of Operations / Sr. Underwriter, Correspondent Division
Quotemearate.com
01.2004 - 01.2006
Operations Manager / Sr. Underwriter
SunTrust Mortgage
01.2002 - 01.2004
Underwriting Manager
Wells Fargo
06.2001 - 01.2002
Vice President – National Underwriting Manager
Allied Mortgage
01.1998 - 01.2001
Bachelor of Applied Science (BASc) - Legal Studies
Berkeley College
Bachelor of Science (BS) - Equestrian/Equine Studies with focus on Business Administration
Post University
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