Tracy Williams
Fayetteville,GA
Overview
9
9
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer NMLS # 2312561
Simplicity Mortgage Solutions
06.2023 - Current
- Analyzed applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans
- Revolve concerns and answered questions for parties involved with each transaction to promote successful outcomes
- Educate customers on a variety of loan products and available credit options to promote valuable decision-making
- Adhere to federal and state compliance guidelines relative to retail mortgage lending
- Provide expert financial advice on mortgages and both educational and personal loans
- Listen carefully to customer complaints and swiftly resolve issues by taking appropriate action.
Case Investigator
ARC-Remote
02.2024 - 06.2024
- Reviewing SAR and No SAR submissions by FIU Investigators for validity, accuracy, and adherence with FIU Procedures including filing SARs directly with the Financial Crimes Enforcement Network (FinCEN) and/or additional global regulatory bodies
- Conduct regular reviews of financial transactions to identify and investigate potential instances of money laundering
- Generate reports on suspicious activities and collaborate with AML analysts for further investigation.
Project Consultant
MMC Capital
08.2023 - 02.2024
- Inventory documentation in collateral and credit files to identify any missing documents
- Participated in the closing of an institution with 110.4 billion dollars in assets and 88.6 billion in deposits
- Conducted Quality Control (QC) reviews on CRE collateral and credit loan files.
Fraud Investigation Consultant
RGP
08.2022 - 06.2023
- Performs overly complex duties and independent decision including identification, investigation, and resolution of high risk or sensitive fraud case
- Review all aspects of suspicious accounts and suspicious activity notifications before they are sent to the client.
Sr. Mortgage Underwriter
United Financial Security
04.2021 - 04.2023
- Review all loan files to meet standard of FHA, VA FNMA, FOHLMC to investor guidelines
- Analyzing documentation for accuracy and compliance.
Sr. Mortgage Underwriter
Network Capital - Remote
10.2021 - 04.2022
- Review all loan files to meet standard of FHA, VA FNMA, FOHLMC to investor guidelines
- Analyzing documentation for accuracy and compliance.
Due Diligence Quality Control Analyst
Consolidated Analytics
06.2021 - 04.2022
- Perform due diligence quality control review of mortgage loan files for adherence to specific lender guidelines with an emphasis on pre- and post-closing audits, compliance, and other client required service quality levels.
Business Underwriter
Small Business Administration
05.2021 - 01.2022
- Investigated, reviewed loan package and legal document to determine SBA requirement for (EDIL) Economic Disaster injury loans.
SR. Mortgage Due Diligence Underwriter
Evolve Mortgage
04.2020 - 05.2021
- Reviewing all loan files to meet Standards of FNMA, FHLMC, to investor guidelines
- Analyzing documentation for accuracy and compliance.
Client On-boarding Consultant
Rose International
04.2019 - 04.2020
- Perform onboarding activity and provide Subject Matter Expertise on AML/KYC, perform reviews of AML/KYC activities.
Investigator
MBO Partners
- 03.2019
- Analyze alerts and investigate transactional activities to detect any suspicious of money laundering or terrorist financing activity.
Trade Finance Analyst Consultant
Level Up
01.2018 - 07.2018
- Trade Finance-Document Specialist for Export and Import /KYC Analyst (KYC Remediation Project) Cash Management.
Trade Finance Analyst
BAWLA Inc.
07.2017 - 12.2017
- Responsible for Analyst QA and their deliverable of Know-Your Customer KYC CDD, and EDD profiles for high -quality standards.
Sr. BSA Analyst (Consultant)
Apple One
02.2017 - 07.2017
- Assess and mitigate risk associated with suspicious activity identification to ensure compliance with Federal and State laws and regulations.
Sr. Compliance Analyst
AgreeYa Solutions
02.2016 - 12.2016
- Investigate client/transaction activity, and document investigation steps.
Forensic Underwriter
Mission Capital Bank
07.2015 - 01.2016
- Performed post-closing quality control analysis of residential loan files for completeness and accuracy analyzing credit documents.
Education
BS -
Fort Valley State University
Skills
- General investment/industry knowledge of Real Estate as an asset class
- Excellent organizational and verbal and written communications skills
- Command of real estate operational analysis and valuations
- Able to assimilate new experiences and learn very quickly
- Adept at working at varying levels and under timeframes pressure, while maintaining extremely high levels of standards
- Highly detail-oriented, with attention to detail and excellent follow-through
- Microsoft Office Suite
- Team Collaboration
- Sales Development
- Negotiation Tactics
- Bankruptcy processes
- Relationship selling
- Data Interpretation
- Credit evaluation
- Licensed Mortgage Loan Originator
- Financial Analysis
- Desktop Underwriter expert
- Regulatory Compliance
- Document analysis
- Document Review
- Credit check knowledge
- Goal-Oriented
Certification
- ACAM Member, 2022
- Certificate AML Risk Analysis
- Consumer Credit & Mortgage Lending Certificate
- CPFB Certificate
- NMLS, 2312561
Functionalexperience
- Regulatory Compliance
- Data Analysis
- Anti-Money Laundering
- Know Your Customer
- Quality Assurance Compliance
- Financial Analysis
- Risk Mitigation
- Fraud Detection
- Bank Secrecy Act
- USA Patriot Act
- Office of Foreign Assets Control
Relevantbusinessexperience - Summary
Compliance professional with 20+ years of experience in the financial industry. Strong background in developing and implementing compliance policies and risk management strategies. Proven expertise in regulatory compliance management and a comprehensive understanding of financial regulations. Skilled in conducting risk assessments, developing compliance strategies, and implementing effective compliance programs. Proficient in analyzing complex regulatory guidelines and providing practical solutions to ensure full compliance.
Timeline
Case Investigator
ARC-Remote
02.2024 - 06.2024
Project Consultant
MMC Capital
08.2023 - 02.2024
Mortgage Loan Officer NMLS # 2312561
Simplicity Mortgage Solutions
06.2023 - Current
Fraud Investigation Consultant
RGP
08.2022 - 06.2023
Sr. Mortgage Underwriter
Network Capital - Remote
10.2021 - 04.2022
Due Diligence Quality Control Analyst
Consolidated Analytics
06.2021 - 04.2022
Business Underwriter
Small Business Administration
05.2021 - 01.2022
Sr. Mortgage Underwriter
United Financial Security
04.2021 - 04.2023
SR. Mortgage Due Diligence Underwriter
Evolve Mortgage
04.2020 - 05.2021
Client On-boarding Consultant
Rose International
04.2019 - 04.2020
Trade Finance Analyst Consultant
Level Up
01.2018 - 07.2018
Trade Finance Analyst
BAWLA Inc.
07.2017 - 12.2017
Sr. BSA Analyst (Consultant)
Apple One
02.2017 - 07.2017
Sr. Compliance Analyst
AgreeYa Solutions
02.2016 - 12.2016
Forensic Underwriter
Mission Capital Bank
07.2015 - 01.2016
Investigator
MBO Partners
- 03.2019
BS -
Fort Valley State University
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