Rosa Chavez
Tolleson,AZ
Summary
Results-driven Compliance and Risk professional, specializing in mortgage consumer lending, equipped with extensive experience in developing and implementing effective compliance strategies. Proven track record in identifying risks within lending operations and proactively addressing them through strategic measures. Strong analytical skills facilitate the breakdown of complex regulatory environments into actionable insights, leading to streamlined processes and improved operational integrity. A collaborative approach fosters strong relationships with stakeholders, promoting a culture of compliance and transparency. Committed to navigating the evolving challenges of the mortgage industry while safeguarding organizational interests and maintaining high standards of accountability.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Underwriting Manager
Wells Fargo Bank
Tempe, USA
08.2021 - 06.2024
- Provided leadership and guidance to a team of 14 compliance audit underwriters, effectively navigating intricate risk assessments and enabling informed policy decision-making.
- Oversaw underwriting process to assess risk accurately and ensure compliance with company policies and industry regulations
- Optimized accountability by mitigating risks and ensuring efficient management of assigned initiatives.
- Collaborating closely with fraud prevention team to address and resolve fraudulent matters
- Developed and created risk exposure data visualizations for customer impact assessment.
- Reviewed and confirmed specialized functions adhered to regulatory standards, enhancing risk management practices and ensuring ongoing compliance
- Recognized opportunities for enhancing processes and successfully executed recommendations that fortified internal controls and increased overall efficiency.
- Attained operational excellence by providing guidance in management principles, industry practices, and company procedures to direct reports through mentoring and training.
- Oversaw compliance audit engagements, ensuring risk-based actions and adherence to Wells Fargo Audit Services policies and guidance.
Loan Administration Manager II
Wells Fargo Bank
Tempe, USA
07.2012 - 08.2021
- Effectively oversaw a high-performing team of 16 senior home lending processors and 2 work directors, maintaining consistent success in meeting monthly and quarterly production goals while processing an average of $24 million in new home lending loans.
- Achieved outstanding levels of customer satisfaction, resulting in the receipt of multiple awards and recognition.
- Implemented effective risk mitigation strategies along with comprehensive fraud prevention measures to uphold a strong risk management framework.
- Led a team of processing staff through hiring, training, and performance evaluations, promoting collaboration and productivity.
- Identified potential signs of fraud and money laundering through initial review of atypical activities
- Identified opportunities for improvement through data-informed decision-making
- Coordinated cross-functional teams to guarantee smooth processing function integration with other departments
- Managed budgets and resources for the processing department, optimizing cost control measures and maximizing operational efficiency.
- Served as a subject matter authority to evaluate the effectiveness of internal controls for mitigating risk in key processes
- Prepared and delivered important information related to strategic objectives, organizational changes, and performance metrics at town hall meetings.
- Implemented effective resolution strategies to address escalated issues and customer complaints in loan processing, resulting in improved customer satisfaction.
- Developed and implemented training programs for compliance, customer service, and goal achievement based on daily report analysis to enhance operational efficiency.
- Facilitated monthly meetings with managers, covering topics including anti-money laundering, fraud risk, financial compliance, and legal obligations such as ADA.
Work Director
Wells Fargo Bank
Tempe, USA
09.2011 - 07.2012
- Led development and implementation of work strategies to ensure organizational goals were met.
- Collaborated with leaders, senior leaders, and cross-functional teams to enhance operational excellence.
- Resolved intricate loan processing problems with speed and accuracy
- Formulated and implemented streamlined procedures to optimize document management and process adherence within teams
- Conducted training programs for over 100 new team members
- Cultivated and maintained productive internal and external business relationships.
- Ensured seamless operations and provided excellent customer service as a support member of the mortgage processing team
Education
High School Diploma -
Robert Elliott High School
Skills
- Decision-Making
- Interpersonal Communication
- Relationship Building
- Analytical Thinking
- Public Speaking
- Effective Communication
- Fraud Detection
- Banking ethics knowledge
- Root Cause Analysis
- Active Listening
- Internal Controls
- Risk Assessment
- Time management abilities
- Customer Communication
- Professionalism
- Process Mapping
- Risk Management
- Trend modeling
- Regulatory Compliance
Certification
- Wells Fargo Trust Certification, 01/01/13 - 12/31/22
- Texas Law Home Lending, 01/01/10 - 12/31/22
- Nationwide Mortgage Licensing, 01/01/11 - 12/31/23
- Fannie Mae Tax Return Certified, 01/01/09
Languages
English
Native/ Bilingual
Spanish
Professional
Affiliations
Volunteer Builder, Playground Project for Autism School
Participated in the construction of an accessible playground, promoting inclusivity for children with autism. Actively encouraged community members to volunteer, fostering teamwork and engagement in the build process.
Team Captain, Climb to Conquer Cancer
Led a team for the American Cancer Society’s hiking event over several years, emphasizing the importance of cancer awareness and research. Coordinated event details and inspired team members to actively raise funds, fostering a strong community dedicated to supporting those affected by cancer.
Volunteer, Christmas Angel Toy Event, Salvation Army
Dedicated several years to distributing toys to children and families in need during the holiday season. Provided heartfelt support and care, ensuring that each family felt valued and uplifted during a challenging time, while bringing smiles to the faces of children.
Fundraising Leader, Wells Fargo Partner- United Way
Led fundraising initiatives to support United Way’s mission, encouraging employee participation and contributions through various events that strengthened United Way's global support for healthcare, education, and disaster relief efforts.
Timeline
Underwriting Manager
Wells Fargo Bank
08.2021 - 06.2024
Loan Administration Manager II
Wells Fargo Bank
07.2012 - 08.2021
Work Director
Wells Fargo Bank
09.2011 - 07.2012
High School Diploma -
Robert Elliott High School
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