Renetrist Roberson
Rosenberg,TX
Summary
Knowledgeable Risk Management Professional that establishes strong and successful policies to mitigate risk at each level and establish clear procedures for assessments, prevention and containment. Results-driven with proven skills in administering risk management programs. Effective in training team members to proactively identify and highlight potential risks. Dedicated to long-term risk management by building strong internal protocols and instilling culture of responsibility and attentiveness. Methodical and meticulous in projecting potential losses and making recommendations to limit risk.
Overview
15
15
years of professional experience
Work History
Sr. Risk and Compliance Analyst
Fastrac Energy Services
03.2022 - 06.2023
- Responsible for working closely with lenders to comply with funding requirements, completing project files, and closing out projects for the accountant
- Mitigated the risk of lender net funding in excess of $70,000,000
- Requested and tracked funding from our lenders used in the financing of solar projects in Texas, California, Nevada, Arkansas, and Louisiana
- Completed loan and project audits from our network of lenders
- Acted as a liaison between lenders, Fastrac Energy Services while resolving customer and compliance related complaints
- Analyzed compliance data reporting and identify and trends
- Maintained files and reports to support compliance reporting
- Identified and reported on key risk metrics for organization
- Confirmed all purchase orders/ bills are closed in QuickBooks for each project
- Managed and tracked all incoming and outgoing legal correspondence
- Prepared documents and maintained cases that were to be transferred to our Attorney
- Prepared case files for arbitration
- Assisted with locating customers that became unresponsive or defaulted on their loan
- Processed Home Improvement Contract cancellation requests
- Received funds on cancellation invoices via QuickBooks
- Completed review of Home Improvement contracts, permits, designs and other construction documents for accuracy.
- Investigated allegations to check validity and recommend actions to minimize risk.
- Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation.
- Collaborated on implementation of collection strategies with upper management
Sr. Risk & Compliance Specialist
Smart Financial Credit Union
09.2017 - 01.2022
- Assisted Chief Risk Officer in ensuring department activities run smoothly and efficiently by providing leadership and training within department
- Reviewed alerts generated from complex monitoring systems to research, analyze and evaluate possible suspicious transaction activity as part of the due diligence process utilizing databases, financial statements, and AML software
- Partnered with other Financial Institutions, Law Enforcement Agencies and Adult Protective Services to exchange information and coordinate case investigation collaborations on identified organized crime rings, public corruption, financial crimes, elderly abuse, and other violations of federal or state statutes
- Analyzed alerts received via fraud systems as well as daily, weekly, and monthly reports designed to detect suspicious activity
- Identified trends, patterns, and unusual activity, and escalate activity deemed suspicious to case status for further investigation
- Conducts investigation for escalated alerts
- Initiated return request through Federal Reserve
- Conducted external investigations or complex problems or situations and provided recommendations and/or solutions
- Evaluated cases of suspected fraud and making recommendations to mitigate risk or losses
- Acted as primary contact for reporting of fraud or suspected fraud for organization
- Developed, maintained and implemented policies and procedures to detect and prevent the occurrence of fraudulent activity.
- Executed analysis of risks and identified risk mitigation strategies.
Deposit Operations Specialist
Smart Financial Credit Union
08.2015 - 09.2017
- Performed daily settlement of ACH activity, processing of ACH exceptions and returns, originations, death notifications and reclamations, and internal and external transfers initiated through online banking
- Performed various Wire Transfer functions including entering, verifying, and/or transmitting outgoing and incoming domestic and foreign wires
- Performed processing of daily Share Draft clearing and returns, Overdraft Privilege monitoring, and charge off processing and recoveries
- Completed Error Resolution functions including tracking and processing of all ATM/Debit/ACH claims, chargeback processing
- Performed various Remote Deposit Capture functions including daily review of RDC items for acceptance, deposit postings, holds, and limit increase requests
- Performed various IRA functions including daily/monthly/annual review and processing of IRA transactions in Ascensus
- Processed Returned Deposited Items, member account research and adjustments, foreign check collection processing, legal order fulfillment, stop payments on bank checks, fee cap reporting, handling of incoming and/or returned mail, and processing of Verification of Deposit requests
- Processed Negative Balance Report, made decisions for Courtesy Pay and returned items
- Smart Financial Credit Union— Loan Closer
- Processed levies, bankruptcy and garnishment requests.
- Processed and monitored lock box items and new account documents.
- Processed foreign items and returned mail.
- Maintained confidentiality of bank's customers and adhered to all regulatory requirements.
Loan Closer/Funder
Smart Financial Credit Union
05.2014 - 08.2015
- Performed all duties pertaining to Commercial, Consumer, Mortgage, and Installment Loans
- Examined loan documents for accuracy and compliance prior to funding
- Monitored specific queues within various Credit Union systems to perform necessary actions
- Prepared title transfer and CU lien documents
- Assisted members with minor loan adjustments post-closing
- Ensured timely scanning of all loan documents into electronic scanning system
- Mailed payoffs, drafts, and checks for various loan products
- Followed all internal audit procedures to ensure loan files were complete and scanned into electronic scanning system
- Provided prompt, courteous, and excellent service to internal and external customers at all times
- Assisted other support operation departments to ensure timely processing
- Maintained checklists of required documentation and open issues affecting closings.
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
Loan Officer II
Memorial Credit Union
09.2008 - 03.2014
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Calculated, analyzed, and made decisions on credit, income, assets and risk for consumer applications
- Evaluated consumer consumer loan application within lending authority to mitigate risk
- Cross-sold related insurance products for various loan types
- Prepared title transfer and CU lien documents
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Examined customer loan applications for loan approvals and denials.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Education
Some College (No Degree) - Business Administration And Management
University of Houston - Downtown
Houston, TXHigh School Diploma -
Sharpstown High School
05.2004
Skills
- Risk Analysis
- Internal Audit
- Compliance Risk Management
- Lender Compliance
- LexisNexis Accurint
- Collection Processes
Additional Information
- AWARDS, WE ARE SMART Award Winner Q3- Chief of Education 2017WE ARE SMART Award Winner Q1- Chief of Relating 2019Represented Smart Financial CU at Houston Chronicle Top Work Places 2021
Timeline
Sr. Risk and Compliance Analyst
Fastrac Energy Services
03.2022 - 06.2023
Sr. Risk & Compliance Specialist
Smart Financial Credit Union
09.2017 - 01.2022
Deposit Operations Specialist
Smart Financial Credit Union
08.2015 - 09.2017
Loan Closer/Funder
Smart Financial Credit Union
05.2014 - 08.2015
Loan Officer II
Memorial Credit Union
09.2008 - 03.2014
Some College (No Degree) - Business Administration And Management
University of Houston - Downtown
High School Diploma -
Sharpstown High School
Similar Profiles
Lara KillenLara Killen
Manager at Fastrac MarketsManager at Fastrac Markets
Kirsty HairKirsty Hair
Customer Service/Administrative Officer/Accounts at Fastrac Foodservice Pty LtdCustomer Service/Administrative Officer/Accounts at Fastrac Foodservice Pty Ltd
DeOntae SpearmanDeOntae Spearman
Assistant Manager of Operations at FastracAssistant Manager of Operations at Fastrac
Bethany straderBethany strader
Children's Ministry at Allison HoeferChildren's Ministry at Allison Hoefer
Toinette LeeToinette Lee
Care Giver at Independent ContractorCare Giver at Independent Contractor