Robert Paul Smart
Fayetteville,NC
Summary
I have over 26 years of experience in the financial industry. I have owned my own business, which gives me a unique perspective in many areas of business. I am dedicated in developing my skills and growing professionally and applying the same to advance the organization. By leveraging my experience, I am confident in my ability to bring a fresh perspective to a team and further the organizations growth.
Overview
17
17
years of professional experience
1
1
Certification
Work History
AML/BSA Compliance Quality Assurance Analyst
Key Bank
03.2022 - Current
- Collected, defined and analyzed business requirements.
- Assessed business requirements to create focused solutions.
- Created and maintained standard operating procedures governing system functions and features.
- Monitored employee tasks to gauge business functions and inefficiencies.
- Gathered, reviewed and reported on findings.
- trained investigators regarding departmental procedures.
- Analyzed customer and business activity to identify potential suspicious activity.
- Review investigations to make certain the appropriate KYC information was obtained.
- Reviewed SAR's, and case investigations for referrals to AML Analysts
Assistant Vice President Enhanced Due Diligence QA
M&T Bank
08.2013 - 08.2020
- Responsible for a team of AML/BSA Enhanced Due Diligence investigators and the respective Quality Assurance
- Communicated with leadership teams to assist with administrative initiatives and decisions and attended weekly meetings to support policy changes.
- Conducted Quality Assurance reviews of investigators case analysis, develop best practices in technical and policy matters.
- Co wrote Policy and Procedures for the current AML/BSA Enhanced Due Diligence Unit.Traveled on behalf of the organization, to train investigators and management on current policy and procedures relating to legislative/regulatory guidelines.
- Responsible to prepare and assist in internal and regulatory audits.
- Attended weekly meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.
Assistant Vice President Manager Mortgage
M&T Bank
08.2019 - 10.2019
- Attended weekly meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.
- Communicated with leadership teams to assist with administrative initiatives and decisions and attended weekly meetings to support policy changes.
- Allocated work assignments and tasks to comprehensively manage administrative projects.
- Manged a remote team of 15 , managers, processors and underwriters.
- Reviewed, identified, updated and prioritized strategic initiatives to provide comprehensive support to senior leadership.
- Identified opportunities to improve business process flows and productivity.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Collaborated with senior management to develop strategic initiatives and long term goals.
- Established performance goals for department and outlined processes for achievement.
- Established performance goals for department and provided methods for reaching milestones.
- Clarified roles, responsibilities and expectations of staff.
Independent Senior Consultant Technical Team
Promontory Financial Services
01.2012 - 01.2013
- Responsible for the auditing and review of the servicers national portfolio of mortgage loans in regard to default servicing.
- Reviewed mortgage loans for compliance to investor regulations and guidelines pertaining to government programs, HAMP, HAFA and HARP.
- Audited mortgage files with respect to fees and costs making certain all charges were compliant with investor,state and federal guidelines.
- Determined levels of remediation to the borrower based on the Office of the Comptroller of Currency guidelines.
- Reviewed historical and solicited complaints from borrowers to ascertain if the borrower had sustained any financial injury.
- Reviewed loans for compliance to the Soldiers and Sailors Relief Act.
- Reviewed foreclosure sales to make certain all levels of Loss Mitigation were exhausted per the investor or government guidelines prior to the completion of the foreclosure action. Review all rescinded foreclosure actions.
- Generated reports detailing findings and recommendations.
Loss Mitigation Operations Manager AVP
M&T Bank
11.2008 - 08.2012
- Responsible for mitigating the banks losses on a high risk portfolio of loans
- Trained, coached and mentored staff, inclusive of officers.
- Compliance and Audit preparation, adherence and implementation.
- Hiring and termination of employee, career consultations, performance management.
- Managing retention and Liquidation Units for all investors.
- Managing investor relationships.
- Manage vendor relationships.
- Respond to all Federal Regulatory Agencies Inquiries and Outreach.
- Manage analytics.
- Manager of Field Agent Operation.
- Manager of the Community Outreach Program.
- Trained personnel on security best practices, protocols and procedures.
- Developed and maintained relationships with customers, lenders and other third parties.
Loss Mitigation Manger
Bank Of America
02.2007 - 09.2008
- Managed the real estate liquidation department
- Managed a staff of 45, loss mitigation analysts
- Reached out to borrowers to discuss current status and loan workout options.
- Helped customers navigate options to maintain homeownership.
- Checked property valuations to assess foreclosure feasibility.
- Discussed property liquidation options with customers, realtors, attorney's.
- Assessed clients' financial data to determine loan suitability.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions.
- Assisted with short sales and deed in lieu processes.
- Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
- Monitor Investor Reporting
- Responsible for training , coaching and career consultation of staff. Hiring and termination of employees, career development , performance management.
- Mange responses to Senior leadership as well as managing responses to all Federal Regulatory Agencies.
Education
High School Diploma -
Silverthorn Collegiate Institute
Etobicoke, ON 06.1982
Skills
- Corporate Consulting
- Loss Mitigation
- Operations Management
- Branch Management
- Solution Implementation
Certification
Six Sigma Certified
Timeline
AML/BSA Compliance Quality Assurance Analyst
Key Bank
03.2022 - Current
Assistant Vice President Manager Mortgage
M&T Bank
08.2019 - 10.2019
Assistant Vice President Enhanced Due Diligence QA
M&T Bank
08.2013 - 08.2020
Independent Senior Consultant Technical Team
Promontory Financial Services
01.2012 - 01.2013
Loss Mitigation Operations Manager AVP
M&T Bank
11.2008 - 08.2012
Loss Mitigation Manger
Bank Of America
02.2007 - 09.2008
High School Diploma -
Silverthorn Collegiate Institute
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