Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
AccountManager

SOULETTE ROBERTS-CHANCE

Lauderhill,FL

Summary

A dynamic individual with more than 24 years of corporate experience. Strong background and experience in compliance, audits, and regulatory analysis. Exemplary knowledge of in contract interpretation, and creation of policies and standard operating procedures. Background in project management, customer service and financial services. Strong leader and professional, who will listen, observe, and execute. Leader by example with the intention to motivate. Seeks opportunities to better the business and make process improvements. Easily adapts to change and always eager to learn. An exceptional team collaborator driven to make the Business and Customer experience the best it can be.

CAREER COMPENTENCIES:

CORPORATE COMPLIANCE ∎ REGULATORY COMPLIANCE ∎ MEDICAL COMPLIANCE ∎ AUDIT ∎ QUALITY CONTROL ∎ BUSINESS ANALYSIS ∎ POLICY & PEOCEDURE WRITING ∎ CUSTOMER SERVICE ∎ FINANCIAL SERVICES ∎ MORTGAGE ∎ PROJECT MANAGEMENT ∎ CONTRACT REVIEW ∎ TRAINING ∎ MANAGEMENT ∎ PRIVACY ∎ BANKING ∎ CARD SERVICING ∎ PCI ∎ FINTECH ∎ RISK & CONTROL ∎ FAIR LENDING


Overview

28
28
years of professional experience

Work History

Senior-Regulatory Compliance Analyst

Traditional Mortgage Acceptance Corp./Goodlife Home Loans
04.2022 - 07.2022
  • Assists in mitigation of lending compliance risk by performing periodic reviews of disclosures, operation files and forms
  • Provide recommendations, action items and written reports for senior leadership/board of directors as applicable
  • Assisted with in submission of HMDA LAR
  • Performs management and monitoring of Quality Control reviews
  • Oversight of Partner Approval Program
  • Researched and provided management responses to quality control findings
  • Performed compliance audits/reviews
  • Reviewed procedures, policies, advertisement materials, and website content, assessing compliance with regulations and preparing written report of findings for management
  • Responded to lending related complaints regarding lending products, services, disclosures, experiences to ensure compliance with regulations as well as applicable state/federal law
  • Supported compliance governance program as needed
  • Assist in Loan On-Boarding inquiries and guidance regarding applicable lending laws/regulations
  • Review/Respond to Partner/Vendor Regulatory Compliance Alerts, due to misconduct, expired licenses, sanctions, fraud, and suspensions
  • Directed activities of workers searching records and provided technical guidance as necessary.
  • Collected detailed notes on investigations and other communication to adhere to legal requirements and enhance recordkeeping.
  • Evaluated and monitored vendor and partner relationships to support compliance.
  • Conducted periodic compliance audits and reviews to identify areas of improvement.
  • Identified gaps in existing compliance processes and recommended updates.

Compliance Analyst

Hamilton Home Loans
10.2020 - 03.2022
  • Reviewed loan files for Compliance to ascertain if the work product was completed to client guidelines and specifications
  • Reviewed loan application for data integrity and HMDA compliance
  • Examined all initial disclosures and re-disclosures to ensure compliance with RESPA/STATE/Federal and investor requirements
  • Determined and documented loan conditions, communicated requirements, and/or decisioned Loan for next steps in approval process.
  • Examined loan files for completeness and accuracy prior to closing
  • Prepared, review,d and analyzed new disclosures required by the new TRID regulation .
  • Ensured timelines disclosures were sent and met appropriate timelines
  • Evaluated the disclosure process to ensure required verbiage, execution, and completeness of all State and Federal documentation
  • Review Loan Estimates, Change in Circumstance situations, to ensure they are updates are completed and proper accounting for changes during the origination process are captured and communicated
  • Applied investor/lender policies and procedures, Federal, State, and/or municipal laws and regulations
  • Identify, record, and prepare trending reports for loan inaccuracies and/or missing items
  • Apply knowledge of current mortgage and compliance laws and regulations
  • Verify NMLS License statuses every loan originator
  • Review Flood Certification
  • Review Fraud Manager QC report and Mavent Compliance Reports
  • Ability to review and understand mortgage contracts, along with ability to interpret to others
  • Thorough knowledge of the encompass system.

Compliance and Oversight Associate

Bayview Loan Servicing
01.2016 - 03.2020
  • Communicates and assists business staff with ongoing interpretation of compliance regulation as it relates to operational policy and processes
  • Communicates with BLS Compliance & Oversight Management and Team to ensure alignment of testing protocols and BLS interpretations of compliance related requirements
  • Interprets new mortgage servicing legislation and work with other available resources to design testing of business
  • Participates in risk assessments and mapping sessions with internal business units to ensure accuracy of proposed test criteria and scenarios
  • Performs loan level testing in accordance with all internal Key Performance Indicators and established quality standards
  • Analyze and Identifies trends in test results and communicates business impacts to Compliance Management
  • Regulatory Compliance Training including: Security Awareness, Unfair and Deceptive Act and Practices (UDAP), Anti-Money Laundering (AML) Training, Bank Secrecy Act, Fair Credit Reporting Act (FCRA), Truth in Lending (TILA), Fair Credit Balance Refund (FCBR), Know Your Customer (KYC), Consumer Financial Protection Bureau (CFBP), Equality ECOA, RESPA, TILA.
  • Worked well in a team setting, providing support and guidance
  • Strengthened communication skills through regular interactions with others
  • Passionate about learning and committed to continual improvement
  • Worked flexible hours across night, weekend and holiday shifts

Remediation Compliance Analyst

Bayview Loan Servicing
07.2014 - 12.2015
  • Works on remediation activities as assigned by Compliance Manager-Servicing
  • Works with Operations Analysts to follow up on and evaluate business unit responses to Corrective Action Requests before submission to AVP for approval to close
  • Tests final remediation plans submitted by business units before final submission to internal audit or external audit agencies to prove submitted remediation plans will be sufficient
  • Follows up with business unit management and Subject Matter Experts to ensure that all remediation activities are progressing, and twill be complete by project deadline
  • Works on special projects as assigned
  • Give weekly Status Report to Compliance Manager-Servicing.

Corporate Compliance Specialist – Auditor

Managed Care of North America, MCNA, Dental
11.2013 - 07.2014
  • Reports directly to the Chief Compliance Officer to ensure MCNA complies the company's Honesty Compliance Program by directing and assisting operational departments with the implementation, monitoring, and maintenance of regulatory and contractual requirements
  • Assists in implementing and maintaining MCNA's Honesty Compliance program to ensure conformity and adherence with all applicable state and federal laws and regulations
  • Collaborates with other departments to direct compliance issues to appropriate channels for investigation and resolution
  • Ensure operations follow applicable state and federal regulations and contractual requirements
  • Interacts with all departments, management, and employees regarding compliance issues
  • Participates in the ongoing development of educational and training tools for the Compliance Program that seeks to ensure all employees are knowledgeable of and comply with pertinent Federal and State laws and regulations
  • Conducts monitoring and auditing activities to identify non-compliance
  • Receives and investigates reports of MCNA compliance violations and communicates this information to the Chief Compliance Officer
  • Provides feedback on the results of auditing and monitoring activities to Chief Compliance Officer and department directors
  • Assists in overseeing corrective action plans
  • Investigate compliance violations to identify potential areas of compliance vulnerability and risk
  • Manages Compliance hotline and internal incidents log
  • Compiles quarterly statistics, data trending analysis, research common trends and other associated tasks as directed by the Compliance Director
  • Recommends disciplinary action for violation of the compliance program, the organization's standards of conduct, policies, and procedures to the Chief Compliance Officer
  • Ensures the appropriate dissemination and communication of all regulation, policy, and guideline changes to affected personnel.

Compliance/Business Analyst

American Express
01.2006 - 03.2013
  • Partner with Payment Research and Account Services Department Subject Matter Experts & Customer Care Professional Trainers to review and update procedures
  • Assigned as Assistant Compliance Manager of 3 Teams of 10-12 employees
  • Recommend and implement new procedures in conjunction with Policy and Procedures Liaisons and Payment Research and Account Services Department Subject Matter Experts
  • Provide key input in weekly calibration meetings and monthly Compliance calls
  • Facilitated a rebuilding of relationships between the Quality Department and the Payment Research and Account Services Department through improving communications and ensuring accuracy and applicability of data
  • Created Quality Methodology for Payment Research and Account Services Department around the sampling of Inbound and Outbound Customer Calls (NICE System) and presented to Ernst Young consultants for approval

Quality Analyst

American Express
01.2003 - 01.2006
  • Maintained quality standards required by the department in ordinance with compliance and customer satisfaction standards
  • Managed daily work functions compliance with internal policies and procedures
  • Ensuring that the company is abiding by Federal and Regulatory Compliance Laws
  • Preparing reports and trends analysis to show what can improve and make suggestions on how we can implement new processes and procedures
  • Attend weekly calibration meeting

Financial Services/Account Reconciliations Analyst

American Express
01.2000 - 01.2003
  • Making financial adjustments to reconcile customer accounts and internal ledgers
  • Monitoring inventory levels and providing inventory reports
  • Researching payments and clearing unidentified financial ledger of payments
  • Researching adjustments and payments made to customer accounts by contacting banks and internal customers for information

Customer Service Representative

American Express
01.1995 - 01.2000
  • Managing incoming Customer correspondence and phone calls in accordance with established policies/procedures
  • Preparing correspondence and contacting customers to advise them of actions taken on their account
  • Identifying and researching inquiries within specified timeframes
  • ACHIEVEMENTS
  • Provided in classroom and on the job training to new hires
  • Mentored/up-trained representatives placed in re-training
  • Provide coaching and feedback to representatives and trend analysis to supervisors to show results and/or improvements
  • Documented day-to-day procedures and was responsible for implementing new procedures and updating outdated ones
  • Coordinator of Inventory and implementation of strategies to help reduce inventory and build teamwork across department
  • Worked on project team responsible for introducing inventory management to my department
  • Managed team during transition of team leaders
  • Involved with operations training in the review and updating of training materials for new hire training classes
  • Participated in Leadership Readiness process to become a manager
  • Trained teams of individuals located at the American Express India in for Business Self Testing and Regulatory Compliance India for Migration of processes
  • Compliance testing for Regulatory Compliance Issues, the NICE Call Monitoring System and Common Call BST Testing Guidelines, and Privacy
  • Trained Business Self Testers on the RECON procedural and regulatory Card Payment Guidelines

Education

Masters - Business Administrations

Nova Southeastern University

Certificate of Completion Assoc. Project Manager -

Nova Southeastern University

Bachelor of Science Degree - Business Management

University of Phoenix

Associates of Science Degree - Computer Information Systems

Keiser College

Diploma -

Dillard High School

Skills

  • Project Management
  • Quality Control Testing
  • Policy and Procedure Design and Implementation
  • Training
  • Payment Research
  • UAT Testing/Implementation Project
  • Phone Call Monitoring - Compliance
  • Account/Ledger Reconciliation
  • Dispute Handling System / Complaint Processing Rule
  • URAC Accreditation Project
  • Request for Proposal Contract Review and Implementation
  • Third Party Partner, Vendor and Broker Contract Management
  • Contract Tracking, Approval, Renewal and Alignment
  • Know Your Customer (KYC),
  • Bank Secrecy Act (BSA)
  • Anti Money Laundering (AML)
  • Office of Foreign Assets Control (OFAC)
  • Financial Industry Regulatory Authority (FINRA)
  • Consumer Financial Protection Bureau (CFPB)
  • Privacy
  • Enhanced Due Diligence (EDD)
  • Regulation E / Electronic Funds Transfer Act (EFTA)
  • Regulation Z / Truth In Lending Act (TILA)
  • Regulation B / Equal Credit Opportunity Act (ECOA)
  • Servicemembers Civil Relief Act (SCRA)
  • Unfair Deceptive Acts and Practices (UDAAP)
  • Regulation X / Real Estate Settlement Procedures Act (RESPA)
  • Ability to grasp and retain large volumes of information
  • Excellent verbal, written and telephone communication skills
  • Strong negotiation and people skills
  • Generally Accepted Accounting Principles
  • Lean Six Sigma Concepts Knowledge
  • Microsoft Office Suites
  • Google
  • Schedule Preparation
  • Active Listening
  • Document Review
  • Regulatory Research
  • Law and Statute Compliance
  • Complex Problem-Solving
  • Evidence Gathering
  • Workflow Processes
  • Procedural Guidance
  • Regulatory Processes
  • Data Presentation Skills
  • Leadership Techniques
  • Program Requirements
  • Internal Policy Implementation
  • Conflict Resolution
  • Regulatory Documentation
  • Quality Tracking

Accomplishments

o Provided in classroom and on the job training to new hires
o Mentored/up-trained representatives placed in re-training
o Provide coaching and feedback to representatives and trend analysis to supervisors to show results and/or improvements
o Documented day-to-day procedures and was responsible for implementing new procedures and updating outdated ones
o Implemented strategies to help reduce inventory and build teamwork across departments.
o Created project team to introduce techniques and created new inventory management program
o Managed team during transition of team leaders
o Involved with operations training in the review and updating of training materials for new hire training classes
o Participated in Leadership Readiness process to become a manager
o Trained teams of individuals located at the American Express India in for Business Self Testing and Regulatory Compliance India for Migration of processes. – Compliance testing for Regulatory Compliance Issues, the NICE Call Monitoring System and Common Call BST Testing Guidelines, and Privacy.
o Trained Business Self Testers on the RECON procedural and regulatory Card Payment Guidelines
o 2011-VP of Membership for American Express Master Communicators (TOASTMASTERS)
o Completed class to become a Certified Associate Project Manager
PROJECT INVOLVEMENT:

o Quality Control / Compliance Testing Migration to Offshore
o Regulation E – Policy and Procedure Implementation and Training Project
o Unidentified Payment Research System Update/ UAT Testing/Implementation Project
o Compliance Business Self-Assessment Testing Implementation
o Business Self-Assessment Training for AESCI
o NICE Call Recording System Implementation Project - Payment Department
o Payment Research and Accounting Services (PRAS) Customer Care Professional - Outbound Email Project
o Dispute Handling System / Complaint Processing Rules Updates for PRAS
o URAC Accreditation Project
o Louisiana Request for Proposal (RFP)/ Policy Procedures Design and Implementation
o Making Homes Affordable (MHA) Investor Reporting Remediation Project
o BANA GO GREEN – Customer Complaint/Compliance Testing Initiative
o Third Party Partner Approval and Renewal Compliance Project
o Partner Tracking and Alignment Project.

Timeline

Senior-Regulatory Compliance Analyst

Traditional Mortgage Acceptance Corp./Goodlife Home Loans
04.2022 - 07.2022

Compliance Analyst

Hamilton Home Loans
10.2020 - 03.2022

Compliance and Oversight Associate

Bayview Loan Servicing
01.2016 - 03.2020

Remediation Compliance Analyst

Bayview Loan Servicing
07.2014 - 12.2015

Corporate Compliance Specialist – Auditor

Managed Care of North America, MCNA, Dental
11.2013 - 07.2014

Compliance/Business Analyst

American Express
01.2006 - 03.2013

Quality Analyst

American Express
01.2003 - 01.2006

Financial Services/Account Reconciliations Analyst

American Express
01.2000 - 01.2003

Customer Service Representative

American Express
01.1995 - 01.2000

Masters - Business Administrations

Nova Southeastern University

Certificate of Completion Assoc. Project Manager -

Nova Southeastern University

Bachelor of Science Degree - Business Management

University of Phoenix

Associates of Science Degree - Computer Information Systems

Keiser College

Diploma -

Dillard High School
SOULETTE ROBERTS-CHANCE