Tiffany Polk
Charlotte,NC
Summary
Quarter 3 2024 Wow-star
Traing new hires
Assisting with writing policy and procedures
Point of contact for teams escalations and bump ups
Overview
12
12
years of professional experience
Work History
Fraud Agent II
TD Bank
05.2022 - Current
- Analyzed chargeback claims for legitimacy before processing refunds or adjustments, safeguarding company assets from misuse or abuse.
- Conducted regular audits of transactional data to monitor for suspicious activity, mitigating the risk of undetected fraud incidents.
- Monitored high-risk accounts for unusual activity patterns that may indicate fraudulent behavior or identity theft attempts.
- Established strong communication channels with banks and credit card companies to report fraudulent transactions promptly, minimizing financial impacts on both parties involved.
Fraud Prevention Specialist
Well Fargo
08.2022 - 05.2023
Underwriting Department
Cherry Creek Mortgage
03.2021 - 07.2022
- Documenting and effectively communicating reasons for the approval/rejection of loans
- Authorizing and underwriting loans
- Analyzing loan risk and requesting additional information as necessary
- Preparing reports on assessment findings
- Reviewing and specifying loan conditions as necessary
- Ensuring compliance with regulatory standards
- Ensuring compliance with company policies and guidelines
- Review basic issues, policies, or procedures for which answers can be quickly obtained, related to low to medium risk tasks and deliverables
- Underwrite loans with aggregate credit exposure based upon approved credit authority limit
- Investigate credit standards and determine credit worthiness of high-net-worth loans
- Receive direction from supervisor and exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements
Sr. loan processor
Wyndham Capital mortgage
10.2019 - 06.2020
- Extensive knowledge of FHA and VA and Conventional products and guidelines with processing and refinancing
- Income calculation
- Encompass 360 Banker Edition and Leads 360 Experience a plus
- Responded to routine customer inquiries; coding and renewal processing; preparing and submitting documents, data and records according to department procedures and government regulation provide required support to internal and external customers to build a partnership promoting positive team environment
- Verifies the completeness of documentation
- Ordering mortgage Insurance and determine the correct calculation for mortgage Insurance and terms
Sr. Loan processor
Consumer Direct Mortgage/ FirstBank
03.2015 - 10.2019
- Work as a team with sales and processing teams to ensure the loans on my pipeline are being processed with attention to detail, accuracy, and within compliance of corporate policies
- Encompass 360 Banker Edition and Leads 360 Experience a plus
- Submit AUS finding and LP
- Great knowledge of TRID guidelines
- Processing VA, FHA, Conventional Loan for refinances and Purchase
- Extensive knowledge of FHA and VHA products and guidelines with processing and refinancing
- Income calculation
- Meet monthly goals with great customer service standards
Team Lead Loan processor
Round point Mortgage Company
04.2013 - 03.2015
- Currently Top Performer for loan processing
- New hire coach training
- Create procedure and processing flow for new processor
- Verifies, compiles, and Reviews residential loan application file to verify that application data is complete and meets establishment standards
- Escrow/ Impounds, Du Finding, Mortgage Insurance
- Credit Reports, Subordination, Liens, Judgments
- Income Calculation
- Submitted mortgage loan application files for underwriting approval
- Submitted approved mortgage loan file to mortgage loan closer
- Organized closings with borrower, lender and Title Company
- Complete Flood certification, title orders, Mortgage Insurance
- Fannie Mae and Freddie Mac loan products
- Sent closing numbers to lenders and checks settlement statements for accuracy
- Work as part of a team to ensure loans are serviced in a timely manner
Education
High School - undefined
Olympic High School
Charlotte, NCSkills
- Compliance & Regulation, Risk assessment, HMDA, TRID, RESPA, TILA
- OFAC Sanction
- Fraud Detection/Prevention
- Anti-Money laundering
- Analyze Assets/Financial Statements
- Analyze credit report, Title, liens, Judgements
- As400, Encompass
- Analyze Income, tax returns, Self-employment return {1065, 1120, 1120S} Cash flow Analysis, Profit & Loss statement
- Microsoft Outlook, Word, Excel, Power point
Timeline
Fraud Prevention Specialist
Well Fargo
08.2022 - 05.2023
Fraud Agent II
TD Bank
05.2022 - Current
Underwriting Department
Cherry Creek Mortgage
03.2021 - 07.2022
Sr. loan processor
Wyndham Capital mortgage
10.2019 - 06.2020
Sr. Loan processor
Consumer Direct Mortgage/ FirstBank
03.2015 - 10.2019
Team Lead Loan processor
Round point Mortgage Company
04.2013 - 03.2015
High School - undefined
Olympic High School