YAHAIRA RENOVALES MERCADO
Titusville
Summary
Dedicated Senior Compliance Risk Manager with over 12 years of experience spearheading comprehensive compliance programs for leading financial institutions. Adept at navigating complex regulatory landscapes and ensuring organizational adherence to the highest standards of compliance. Proven track record of enhancing regulatory risk management, streamlining processes, and driving positive audit outcomes.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Compliance Officer
GO Mortgage, LLC
Remote
01.2021 - Current
- Designed and executed mortgage-specific risk management frameworks.
- Executed comprehensive risk assessments and provided IT governance oversight.
- Directed compliance review processes, audits, and training initiatives to ensure regulatory adherence.
- Directed compliance initiatives across broker wholesale and retail channels.
Compliance Risk Manager
Wells Fargo
01.2020 - 01.2020
- Conducted risk assessments and root cause analysis
- Provided regulatory guidance (Reg B, UDAAP, RESPA, TILA)
- Managed BSA/AML/OFAC compliance functions
- Supported audits and fraud detection initiatives
Senior Compliance Analyst
FIS
01.2016 - 01.2020
- Managed OFAC sanctions program and regulatory reviews
- Provided compliance oversight for lending products
- Automated compliance processes and reporting
- Collaborated across business units for regulatory alignment
Audit Compliance Analyst
Oriental Financial Bank
01.2011 - 01.2016
- Conducted compliance audits and risk assessments
- Reviewed loan files and regulatory adherence
- Supported internal control improvements and reporting
Education
Master of Arts - Criminology
Inter American University of PR
Bachelor of Arts - Political Science
University of Puerto Rico
Skills
- Consumer Lending
- Policy Development and Implementation
- Risk Assessment and Mitigation
- Regulatory Compliance: ECOA, UDAAP, TILA, FCRA, FDCPA, MLA/SCRA, TCPA, GLBA, EFTA, ESIGN, Flood, CRA, HMDA, CAN-SPAM
- Bilingual: English and Spanish
- Stakeholder Collaboration
- Audit Investigations
- Mortgage Banking Products
- Technology Integration – IT Risk, Security
- Training and Education
- Strategic Leadership
Certification
- CRCMP - MBA
- Risk Assessment Certification
- ACES QMS Certification
- Florida Notary / Closing Agent Certification
- Compliance Certification of Cornell Law University
Languages
Spanish
Full Professional
English
Full Professional
Timeline
Compliance Officer
GO Mortgage, LLC
01.2021 - Current
Compliance Risk Manager
Wells Fargo
01.2020 - 01.2020
Senior Compliance Analyst
FIS
01.2016 - 01.2020
Audit Compliance Analyst
Oriental Financial Bank
01.2011 - 01.2016
Bachelor of Arts - Political Science
University of Puerto Rico
Master of Arts - Criminology
Inter American University of PR