Summary
Overview
Work History
Education
Skills
Websites
Certification
Timeline
Generic

ROBIN M. LAFAYETTE

South Portland,ME

Summary

Well-organized and detail-oriented Compliance Officer with key experience in processing and analysis of Community Reinvestment Act (CRA), Home Mortgage Disclosure Act (HMDA), Fair Lending and Small Business Lending Rule data. Over ten (10) years of hands-on experience with multiple RiskExec modules. Focused on maintaining consistence, quality and compliance in all areas.

Overview

21
21
years of professional experience
1
1
Certification

Work History

Compliance Officer I

Camden National Bank
Portland, ME
05.2021 - 01.2024
  • Developed '1st line of defense' monthly Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) Compliance data integrity monitoring processes to analyze data quality,
  • Trained line of business (LOB) personnel to perform '1st line of defense' analysis so that Compliance could perform '2nd line of defense' responsibilities.
  • Responsible for all aspects of the CRA performance evaluation, including Community Development Loans, Volunteer Hours, and Investments.
  • Compliance contact for various External Audits and OCC Exams
  • One of three (3) Compliance representatives in a chartered cross-functional Fair Lending governance project
  • Represent Compliance in multiple ongoing oversight committee meetings
  • Developed and maintained the Fannie Mae PostFunding QC Review process, including creating procedures and proving training.
  • Developed and implemented policies and procedures to ensure compliance with applicable laws, regulations, standards, and best practices.
  • Assisted with the development of training materials and provided training for employees regarding compliance requirements.
  • Provided guidance on complex regulatory issues to senior management and other departments.
  • Conducted internal audits to identify areas of non-compliance and recommend corrective actions.
  • Stayed up to date on company requirements and related legal standards like for the Community Reinvestment Act New Rule 2023 and Dodd Frank section 1071.

Fair Lending & HMDA Compliance Analyst

Residential Mortgage Services, Inc.
South Portland, ME
01.2019 - 05.2021
  • Created Fair Lending reports, presentations, and other documentation for senior and executive management.
  • Spearheaded the creation of a Diversity & Inclusion group
  • Co-managed an electronic 'Compliance mailbox', where company-wide compliance questions were sent.
  • Collaborated with cross-functional teams on projects related to analytics initiatives.
  • Developed dashboards to track productivity and expedite remediation of issues.
  • Monitored industry news to stay informed of new developments in the field.

Fair Lending & HMDA Compliance Manager

Residential Mortgage Services, Inc.
South Portland, ME
01.2017 - 01.2019
  • Created and performed Fair Lending Redlining and Peer Analysis on historical company HMDA data
  • Coached, mentored and trained team members in order to improve their job performance.
  • Designed and facilitated compliance training for lending operations and sales
  • Created and facilitated the process management for the 2018 HMDA changes within all levels of operations and provided training to operations and sales.
  • Managed vendor relationships by negotiating contracts and ensuring timely delivery of goods and services.

HMDA / NMLS Reporting Manager

Residential Mortgage Services, Inc.
South Portland, ME
01.2014 - 01.2017
  • Collaborated with IT to evaluate and update existing LOS and reporting systems for HMDA accuracy and efficiencies. Contributed to drafting of the company HMDA policy and procedures.
  • Created a HMDA program and staffed / trained a new department, which contributed to the annual HMDA error rate decreasing from 90% in 2012 to 60% in 2014 and 6% in 2016.
  • Successfully integrated a new software vendor for HMDA data capture and submission.

Consumer Compliance Specialist II/III

TD Bank, N.A.
Williston, VT
01.2003 - 01.2014
  • Performed quarterly data integrity reviews on Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) data. Collaborated with respective line of business (LOB) to determine the source of any errors noted for remediation.
  • Communicated the HMDA and CRA findings to senior management for Risk Assessment.
  • Performed the annual HMDA Loan Application Register (LAR) and CRA Loan Register (LR) data submissions.
  • Created and managed compliance training for Federal Regulation C (HMDA) and Regulation BB (CRA) for all relevant lines of business.
  • Performed HMDA and CRA data review as part of due diligence on potential bank acquisitions.
  • Facilitated the HMDA and / or CRA data and systems integrations on mergers & acquisitions. Submitted final LAR / LR data on behalf of bank's that were acquired.

Education

B.S Business Administration with Accounting Concentration -

University of Vermont
01.1996

Skills

  • Internal Controls
  • Controls Tests
  • Reporting Requirements
  • Compliance Reviews
  • Regulatory Knowledge
  • Document Review
  • Policy Analysis
  • Project Coordination
  • Controls Evaluations
  • Compliance Monitoring

Certification

  • Certified Regulatory Compliance Manager (CRCM), American Bankers Association, 2011
  • Certified Mortgage Compliance Professional (CMCP) - Level 1, Mortgage Bankers Association, 2019

Timeline

Compliance Officer I

Camden National Bank
05.2021 - 01.2024

Fair Lending & HMDA Compliance Analyst

Residential Mortgage Services, Inc.
01.2019 - 05.2021

Fair Lending & HMDA Compliance Manager

Residential Mortgage Services, Inc.
01.2017 - 01.2019

HMDA / NMLS Reporting Manager

Residential Mortgage Services, Inc.
01.2014 - 01.2017

Consumer Compliance Specialist II/III

TD Bank, N.A.
01.2003 - 01.2014

B.S Business Administration with Accounting Concentration -

University of Vermont

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ROBIN M. LAFAYETTE