Rene R. Roman
Summary
Dedicated professional with over 12 years of compliance and audit expertise, eager to secure a pivotal role within a vibrant, people-focused organization. I thrive in collaborative environments, bringing a proven track record of partnering with teams across all levels to propel organizational success and meet strategic objectives. Committed to upholding regulatory standards and implementing effective internal controls. Skilled in analyzing complex data to identify opportunities for improvement, leading to enhanced operational efficiency and risk mitigation.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Transaction Coordinator
On Pace TC LLC (Self-Employed)
09.2024 - Current
- Expert in Subject To Transactions
- Skilled in facilitating real estate deals where properties are acquired subject to existing financing, ensuring seamless transfers while maintaining compliance with lender requirements and local regulations
- Managed end-to-end transaction processes, including contract preparation, due diligence, title searches, and closing coordination, ensuring accuracy and efficiency in deal execution
- Structured deals using innovative financing strategies, such as wraparound mortgages, and seller financing, to maximize investment potential and minimize risk
- Collaborated with title companies, attorneys, and escrow officers to resolve title issues, verify lien status, and ensure clear property transfers
- Acted as the main point of contact between buyers, sellers, private lenders, and investors, negotiating favorable terms and facilitating a smooth closing process
- Ensured all transaction documents—purchase agreements, deeds, disclosure forms, and trust agreements were correctly drafted, reviewed, and executed per legal and ethical standards
- Conducted comprehensive property research, including loan balance verification, insurance compliance, and market analysis, to mitigate potential risks in Subject To transactions
- Provided strategic guidance to real estate investors and buyers on leveraging creative financing techniques to expand their portfolios while minimizing upfront capital investment
Real Estate Investor
YEAR Enterprise LLC (Self-Employed)
10.2021 - Current
- Successfully managed and operate short-term rental property, leveraging keen market insights and strategic marketing to maximize occupancy rates and rental income
- Demonstrated expertise in property analysis and acquisition, identifying lucrative investment opportunities, and executing profitable deals within competitive markets
- Utilized data-driven approaches to optimize pricing strategies, resulting in increased rental revenue and outperforming market average rental rates
- Implemented effective property management practices, ensuring exceptional guest experiences and positive reviews, leading to a consistent influx of bookings and repeat clientele
- Maintained meticulous financial records and performed comprehensive performance analysis to track ROI, making data-backed decisions to enhance overall profitability
- Proactively identified and resolved operational challenges, such as property maintenance and guest issues, ensuring minimal downtime and seamless guest stays
- Established and maintained strong relationships with local service providers, contractors, and vendors, negotiating favorable terms and streamlining property management processes
- Actively stayed up-to-date with industry trends, regulations, and technology advancements, continuously adapting strategies to stay competitive in a dynamic short-term rental market
Compliance Analyst II
Plains Capital Bank
09.2013 - 10.2021
- Executed risk-based compliance reviews to assess the effectiveness of bank operations, ensuring adherence to federal and state regulatory requirements, internal controls, and company policies including but not limited to: TILA, ECOA, FCRA, SCRA/MLA, RESPA, Dodd Frank Act, FDPA
- Led comprehensive compliance audits across various bank departments, applying critical thinking, data analysis, and risk assessment techniques to identify gaps and ensure regulatory alignment
- Conducted interviews with business units to evaluate policies and procedures, ensuring alignment with audit objectives and regulatory expectations
- Served as the Subject Matter Expert (SME) on Flood Regulation and Compliance process, providing guidance for all levels of bank compliance review
- Provided in-depth Fair Lending risk assessments, analyzing trends and data to ensure compliance with fair lending principles and mitigate potential risks
- Oversaw and implemented a Fair Lending program to ensure equitable treatment of all credit applicants and ensure regulatory compliance
- Managed all data collection efforts for Fair Lending compliance, overseeing statistical analysis reviews and ensuring the integrity and accuracy of data used in regulatory assessments
- Performed Fair Lending reviews to focus on regulatory risks such as: disparities in bank underwriting and pricing standards, matched pairs reviews to identify and address compliance concerns, and redlining
- Ensured the timely and accurate filing of compliance reports, communicated key findings to senior leadership, and provided actionable recommendations to enhance compliance frameworks
- Coordinated and actively contributed to quarterly regulatory compliance committee meetings, fostering cross-departmental collaboration and strategic compliance initiatives
- Served as a Compliance Project Manager Consultant for new consumer loan software implementations, ensuring regulatory adherence and seamless integration with financial laws and company policies
- Designed and delivered targeted compliance training programs, equipping business units with the knowledge to navigate evolving regulatory requirements effectively
- Operated with a high level of autonomy, providing compliance guidance to various departments while ensuring adherence to industry best practices and regulatory mandates
Compliance Officer
First National Bank
06.2013 - 09.2013
- Supported the leadership of the Compliance Department, ensuring adherence to consumer protection laws, financial regulations, and company policies including but not limited to CRA, HMDA, lending and deposit regulations
- Monitored changes in banking laws and regulations interpreting their impact on the bank, and advising management on necessary adjustments
- Performed Bank wide Risk Assessments to identify, analyze, and evaluate potential risks, aiming to develop strategies for managing and mitigating those risks to ensure stability and protect stakeholders
- Conducted in-depth compliance reviews and monitoring across multiple business units, collaborating with management and staff at all levels to identify and mitigate risks
- Prepared detailed compliance review reports and developed high-impact presentations for the Audit Committee, highlighting key findings, regulatory trends, and action plans
- Led and supervised compliance review assignments, managing team workflows and ensuring timely completion of compliance assessments
- Mentor junior compliance analysts, fostering their professional development and enhancing team capabilities.
- Served as the Subject Matter Expert (SME) on Flood Regulation and Compliance process, providing guidance for all levels of bank compliance review
- Presented key compliance findings and corrective action plans in quarterly board meetings, providing strategic insights to senior leadership
- Developed and delivered compliance training programs, equipping both compliance teams and business units with the knowledge to navigate evolving regulatory requirements effectively
- Assisted both on-site and remote regulatory examinations by coordinating data collection, ensuring timely submission of required documentation, and serving as the primary liaison between examiners and internal teams to streamline the examination process.
Compliance Analyst
First National Bank
09.2012 - 06.2013
- Maintain proficient knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to, Reg E, TILA, ECOA, FCRA, SCRA/MLA, Reg CC, RESPA, Dodd Frank Act, FDPA, BSA, OFAC/AML and other federal consumer protection legislation and regulations with a focus on consumer and commercial lending, deposits.
- Performed Bank wide risk assessments to identify, analyze, and evaluate potential risks, aiming to develop strategies for managing and mitigating those risks to ensure stability and protect stakeholders
- Facilitated interviews and meetings with department heads, gaining insights into policies and procedures to evaluate compliance effectiveness and identify areas for improvement
- Performed audit planning and execution, including data collection, risk identification, control testing, and root cause analysis to ensure operational integrity and regulatory adherence
- Conducted comprehensive audits across multiple bank departments to assess compliance with regulatory requirements, internal policies, and industry best practices
- Prepared detailed audit reports outlining findings, risks, and recommendations for corrective actions on audits conducted
- Provided targeted training to business units on evolving compliance requirements
Compliance Auditor
First National Bank
09.2009 - 09.2012
- Maintain proficient knowledge of applicable federal and state laws, regulations and guidance, including, but not limited to, Reg E, TILA, ECOA, FCRA, SCRA/MLA, Reg CC, RESPA, Dodd Frank Act, FDPA, BSA, OFAC/AML and other federal consumer protection legislation and regulations with a focus on consumer and commercial lending, deposits.
- Conducted comprehensive audits across multiple bank departments to assess compliance with regulatory requirements, internal policies, and industry best practices
- Led audit planning and execution, including data collection, risk identification, control testing, and root cause analysis to ensure operational integrity and regulatory adherence
- Facilitated interviews and meetings with department heads, gaining insights into policies and procedures to evaluate compliance effectiveness and identify areas for improvement
- Collaborated with the audit team on joint audits and special projects such as Trust reviews, Reg O audit, and BSA/AML OFAC audits, providing key support to the Senior Audit Officer and AVP Compliance Officer in high-priority initiatives
- Documented audit findings in accordance with professional auditing standards, ensuring accuracy, consistency, and compliance with regulatory expectations
- Prepared detailed audit reports outlining findings, risks, and recommendations for corrective actions
Delivery Driver
Federal Express
08.2002 - 05.2007
- Transported parcels to FedEx customers in a timely manner
- Provided excellent customer relations
- Decentralized decision making provided for better customer satisfaction and service
Administrative Assistant
Corner Stone Fitness Center
09.2001 - 08.2002
- Created/Maintained customer records database
- Assisted with new employee hiring
- Supervised, manage and trained office staff
- Prepared correspondence, document invoices, including materials for payment
- Actively participated in company and corporate meetings regarding membership services, policies, and procedures
Part-time Technician
Video, Sound, and Lights (V.S.L.)
07.1999 - 08.2001
- Performed general administrative duties, such as filing, faxing, copying, inventory management
- Process and assigned work duties
- Installed new hardware equipment on City, State, and Federal Law Enforcement vehicles, such as emergency lighting, and communication equipment
- Installed communication equipment in new/old facilities
- Participated in public relation activities for municipalities, such as parades, social functions regarding emergency equipment, and community awareness programs
Education
Bachelors - Business Administration, Major in Finance
University of Texas Pan American
Edinburg, Texas05.2009
Associates of Business - Business
South Texas College
McAllen, Texas12.2007
Skills
- Office 2003/2007
- Statistical Analysis Using IDEA
- Experience with TeamMate Auditing Tools
- JHA Silverlake
- Synergy
- Calyx Point
- CRA Wiz
- Fair Lending
- Marquis CenTrax HMDA
- Cypress Mark IV
- FIS Origenate
- SharePoint
- Power BI
- Monday Work Management
Continuous Education
- Texas Bankers Association Compliance School, 2010
- PBS Compliance Update School, 2011
- BSA/AML Top Gun Conference, 2011 & 2012
- Compliance Update School, 2012
- ABA The Interagency Appraisal and Evaluation Guidelines - Does your residential Appraisal Process Measure Up?, 2012
- ABA Intermediate Compliance School, 2013
- Marquis National Conference, 2014
- DACA Compliance Conference, 2019
- ABA On-going Compliance Training, 2019-2020
Certification
FCRA Certified Program for Data Furnishers, 2020-2022
Timeline
Transaction Coordinator
On Pace TC LLC (Self-Employed)
09.2024 - Current
Real Estate Investor
YEAR Enterprise LLC (Self-Employed)
10.2021 - Current
Compliance Analyst II
Plains Capital Bank
09.2013 - 10.2021
Compliance Officer
First National Bank
06.2013 - 09.2013
Compliance Analyst
First National Bank
09.2012 - 06.2013
Compliance Auditor
First National Bank
09.2009 - 09.2012
Delivery Driver
Federal Express
08.2002 - 05.2007
Administrative Assistant
Corner Stone Fitness Center
09.2001 - 08.2002
Part-time Technician
Video, Sound, and Lights (V.S.L.)
07.1999 - 08.2001
Bachelors - Business Administration, Major in Finance
University of Texas Pan American
Associates of Business - Business
South Texas College
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