Tyra Leake
Glendale,CA
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
15
15
years of professional experience
1
1
Certificate
Work History
Contract Level 2 Fraud Investigator
MBO Partners
01.2024 - Current
- Performed risk assessments to determine the level of fraud risk and prioritize investigations.
- Summarized all key information regarding the investigation into a detailed report for delivery to FinCEN
- Conducted investigations of Fraud cases, documenting investigative findings, and determining whether the case should be escalated/referred for further review or action.
- Analyzed transactional data and conducted internal and external research on subjects using a variety of research tools
- Identified scenarios that merit a suspicious activity report (“SAR”) to be filed
- Accurately and thoroughly gathering necessary artifacts for SAR development
- Drafted SARs to be filed to FinCEN
- Maintained a strong level of independence and time management skills
- Maintained high attention to detail
- Met production targets and quality standards
Contract Billing Specialist
Adecco/RXO
08.2023 - 12.2023
- Collaborate effectively with internal and external stakeholders to swiftly resolve any invoicing issues, ensuring a seamless & efficient billing process
- Process chargebacks and ensure accurate billing for contract services
- Conduct thorough pre-invoice audits for precise order validation, aiming to maximize billing accuracy and elevate client satisfaction
- Oversee weekly billing in the TMS system, ensuring a balanced approach to speed, quality, and meeting deadlines
- Strive for excellence across the entire billing cycle
- Actively contribute to detailed financial report preparation, aiding the accounting department in achieving accuracy and completeness in financial documentation
- Improve billing efficiency and accuracy by evaluating and refining processes
- Identify opportunities for streamlined workflows and implement best practices to enhance overall operational effectiveness.
DPA/Bond Specialist
Ameris Bank Mortgage
07.2019 - 03.2022
- Ensured completeness and accuracy of program approval forms, with meticulous attention to detail
- Contributed to program success by collaborating with the Homebuyer Assistance Programs Committee (HAP) on parameter discussions and thorough vetting pre-approval
- Teamed up with Secondary and Mortgage Platforms to enhance approved programs, demonstrating a collaborative approach to achieve business goals
- Coordinated training for Operations and loan officers, showcasing excellent communication via a Newsflash on new homebuyer assistance programs.
Bond Purchase Clearing Specialist
Supreme Lending
02.2021 - 01.2022
- Requested and obtained necessary documents from investors, bond agencies, and services to facilitate bond purchases
- Organized documents from various sources into Encompass software, ensuring streamlined and effective document management
- Liaised with underwriters, closers, and investors to ensure timely and accurate completion of bond purchases
- Managed a large loan pipeline, achieving a monthly success rate of 96% in clearing post-purchase deficiencies.
Contract Core Investigations Mortgage Underwriter
Headway Workforce Solutions Inc
07.2020 - 08.2021
- Reviewed pre-claim delinquent loans for underwriting compliance.
- Led credit origination investigations, identifying "red flags" in documentation.
- Prioritized and expedited pre-claim investigations for efficient settlements.
- Managed document verification for accuracy and compliance.
Senior Fraud Investigator
Fidelity Bank
11.2015 - 07.2019
- Reviewed and investigated customer profile information (PII, email, phone, etc)
- Reviewed transactions and receipts to identify any suspicious activity.
- Contacted customers directly to notify them of fraudulent activity and minimize impacts.
- Analyzed financial statements to identify discrepancies, irregularities, and fraudulent activity.
- Drafted SARs to be filed to FinCEN
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Increased team productivity with the implementation of time-saving investigative tools and software solutions.
QA Underwriter
Covius
11.2012 - 11.2015
- Examined closed loan files and documents to assess completeness and accuracy as well as compliance with the appropriate guidelines.
- Full re-underwriting of complete closed loan files and/or review and response to specific allegations of deficiencies.
- Performed a forensic overview on mortgage loans inclusive of reconciliation and recalculation of income, debt to ratio income, collateral review and verification of employment.
- Quality control and manually underwrite to determine if the loan was correctly underwritten at the time of origination regarding lender- investor guidelines.
- Utilize and reference the most recent policies and procedures as applicable from the origination to the funding process.
Consumer Loan Underwriter
Wells Fargo Home Mortgage
12.2010 - 11.2012
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
HSS - Level 1 Underwriter
Bank of America
05.2009 - 11.2010
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Determined and documented loan conditions and communicated requirements and decisions.
Due Diligence Underwriter
Open Systems Solutions/Fannie Mae
10.2008 - 05.2009
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Due Diligence underwriting for portfolio of mortgage loans capturing data, attributes, and all documentation review as required by the new servicer after the acquisition of the servicing rights
Education
Master of Business Administration - Administration & Operations Management
Shorter College
Rome, GA01.2012
Bachelor of Business Administration - Business Administration
Clayton State University
Atlanta, GA01.2010
Skills
- MS Office (Word, Excel, PowerPoint, MS Access)
- Smart Link/ Lexis Nexis
- E-CAMS
- IMMADMIN
- THEA
- OFAC
- TALON
- FNMA Guidelines
- FHLMC Guidelines
- Debt-to-Income Ratios
Timeline
Contract Level 2 Fraud Investigator
MBO Partners
01.2024 - Current
Contract Billing Specialist
Adecco/RXO
08.2023 - 12.2023
Bond Purchase Clearing Specialist
Supreme Lending
02.2021 - 01.2022
Contract Core Investigations Mortgage Underwriter
Headway Workforce Solutions Inc
07.2020 - 08.2021
DPA/Bond Specialist
Ameris Bank Mortgage
07.2019 - 03.2022
Senior Fraud Investigator
Fidelity Bank
11.2015 - 07.2019
QA Underwriter
Covius
11.2012 - 11.2015
Consumer Loan Underwriter
Wells Fargo Home Mortgage
12.2010 - 11.2012
HSS - Level 1 Underwriter
Bank of America
05.2009 - 11.2010
Due Diligence Underwriter
Open Systems Solutions/Fannie Mae
10.2008 - 05.2009
Master of Business Administration - Administration & Operations Management
Shorter College
Bachelor of Business Administration - Business Administration
Clayton State University
Certification
- NUC Quality Assurance Underwriting Certification | 2012
- Certified Notary Public | 2012
- Paralegal Certificate | 2002
- FL Claims Adjusters License | 2023
- GA Real Estate License | 2019
References
Available Upon Request
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