Hi, I’m
Yamileth Amador
San Antonio,TX
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
15
years of professional experience
Work History
Wells Fargo
Senior Compliance Specialist-Contract
12.2022 - Current
Job overview
- Review a list of MCR’s (Major compliance Requirements) under the Consumer Small and Business Banking ComplianceTeam and identify risks to the bank
- Verify the risks involved and programs to drive compliance with federal, state, agency, legal and regulatory and Corporate Policy requirements
- Work closely with senior leaders of any issues related to the current major compliance requirements and their applicability to the citations
- Document all the information including any applicability related to the review and update with the why this can be an issue to the business
- Provide compliance risk insight and support projects and initiatives with low to moderate risk for a business line or functional area
- Interact with team to support runs oversight and monitoring
- Manage and ensure accuracy of data
- Meet deadlines established by management and present any issues with current review to senior leaders
- Interpret policies, procedures and compliance requirements
- Review direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements.
Freedom Mortgage
Government Mortgage Underwriter (Chums Certified)
04.2020 - 08.2022
Job overview
- Controlled risk by reviewing all documentation received in the loan package (appraisal, income (wage earners and self-employed) title, insurance, and all disclosures
- Reviewed reporting and risk trends daily to maintain high quality set by risk management
- Primary resource to loan officer to help keep them informed of regulatory and business changes
- Maintained communication with cross function team members to problem solve issues identified with loan submissions
- Performed training to team when updates to policies, standards and procedures were implemented.
KPMG
Financial Remediation Analyst (Contract Role)
07.2019 - 04.2020
Job overview
- Compliance tester performing complex assessments to determine the efficacy of a product or service in the consumer and mortgage lending departments
- Responsible for first line of defense risk mitigation by reviewing issues identified during regulatory testing and preparing reports to coordinate remediation efforts
- Followed risk framework developed for Real Estate Mortgage and Consumer lending to ensure proper compliance with processes and standards
- Communicate audit findings and issues to senior management to assist in report to key stakeholders
- Mitigated risk by validating trends found during review RESPA, HMDA, UDAAP, TRID and TILA business processes.
American Mortgage Consultants
Compliance Analyst (Contract Role)
08.2018 - 09.2019
Job overview
- Performed due diligence work assigned from different companies to inspect for compliance to federal and state regulations including AML, US Patriot Act, Bank Secrecy Act (BSA) fair Credit reporting Act, Dodd-Frank, Fair housing act, Fair debt collection practices Act (FDCPA), Telephone Consumers Protection Act (TCPA)
- Support KYC processes for global transactions banking, covering institutional clients
- Responsible for assisting in detecting problem and risk associated with processes and make appropriate recommendations to improve quality of KYC files
- Analyzing credit documents, including applications, credit history, income documents, title documents, appraisals, and all applicable compliance documents
- Reviewed escalated files for fraud exposure by investigating any suspicious activity that may require additional monitoring
- Maintained knowledge of all applicable Reg C, Reg 7 and Reg standards to ensure accuracy of product performance
- Reviewed cases for adherence with bank policies and procedures.
Member First Mortgage, LLC
Mortgage Underwriter
09.2016 - 11.2017
Job overview
- Responsible for reviewing, analyzing, and underwriting individual mortgage loan applications under USDA(GUS), Fannie Mae (DU) and Freddie Mac (LP) investor guidelines
- Prepared and cleared loans within 30 days for closing including (jumbo, 1st and 2nd liens, land/lots, and manufacture loans) analyzed credit, reviewed loan application, appraisals, title, flood, loan disclosures and MI if applicable
- Provided support to closing department by reviewing disclosures for tolerance threshold and reviewed loans for 3-day TRID compliance
- Communicated with all parties involved (loan officers, processors, closers) to ensure process was complete and loans closed within the expectations.
Security Service Federal Credit Union
Mortgage Underwriter II
05.2015 - 06.2016
Job overview
- Reviewed Fannie Mae products and made credit decisions based on DU
- Reviewed complex files which included million dollars jumbo and correspondence loans which was then presented to board of directors/lending committee for approval
- Exceeded expectations reviewing over 20 loans a day with an average quality of 98%
- Conducted training to our closing department to assist in preparing them for the new TRID regulations that amended in 2015
- Reviewed final title policy, HUD, TIL, GFE, Right of Rescission and insurance binder prior to loan closing.
Wells Fargo
Research Remediation Analyst III
05.2011 - 05.2015
Job overview
- Designed and implemented procedures and standards for business control to mitigate risk and requirements
- Managed reputational risk and financial risk by providing proactive research and testing on business processes
- Reviewed regulatory changes with CFPB and validated current understanding of risk were up to date
- Provided training for new hires and supporting teams
- Assisted with solutions that supported business functions to prevent risk.
USAA
Consumer Loan Underwriter (contract)
01.2011 - 01.2011
Job overview
- Reviewed residential mortgage applications within banks guidelines and evaluate loans to maximize organizational profit and minimize risk or loss
- Served as a lead to employees to review and sign off on underwriting submission packages
- Followed risk and compliance policies, standards and procedures to support loan decision
- Review complex loans and verified accuracy of collateral details, employment profile, credit strength and all other pertinent loan documentation and information
- Holistic knowledge in cash-flow analysis of individuals, business for self, rental properties, and trust
- Achieved above standard turnaround times at 100% quality and exceeding productions standards.
USAA
Mortgage Loan Underwriter (contract)
01.2009 - 01.2009
Job overview
- Reviewed residential mortgage applications within banks guidelines and evaluate loans to maximize organizational profit and minimize risk or loss
- Served as a lead to employees to review and sign off on underwriting submission packages
- Followed risk and compliance policies, standards and procedures to support loan decision
- Review complex loans and verified accuracy of collateral details, employment profile, credit strength and all other pertinent loan documentation and information
- Holistic knowledge in cash-flow analysis of individuals, business for self, rental properties, and trust
- Achieved above standard turnaround times at 100% quality and exceeding productions standards.
Education
Virginia Allred Stacey High School
Skills
- 20 years of business analytical and problem solving
- 15 years of quality assurance and risk management with federal and state regulations
- 15 years of policy, standards and process improvement
- 15 years Second Level Review / Peer Review
- 14 years of underwriting and audit reporting experience
- 10 years of crucial communications skills
- 2 years of banking escalation and dispute resolution
- MS Office/Windows Operating: (Word/ Excel/OneNote)
- Black Knight/Fidelity
- Salesforce/Box/SharePoint
- Mortgagebot/Cadence/AUS/ DU/LP Citrix
- Portal/Client Relationship Management tool (CRM)
Languages
Spanish
Native/ Bilingual
Timeline
Senior Compliance Specialist-Contract
Wells Fargo
12.2022 - Current
Government Mortgage Underwriter (Chums Certified)
Freedom Mortgage
04.2020 - 08.2022
Financial Remediation Analyst (Contract Role)
KPMG
07.2019 - 04.2020
Compliance Analyst (Contract Role)
American Mortgage Consultants
08.2018 - 09.2019
Mortgage Underwriter
Member First Mortgage, LLC
09.2016 - 11.2017
Mortgage Underwriter II
Security Service Federal Credit Union
05.2015 - 06.2016
Research Remediation Analyst III
Wells Fargo
05.2011 - 05.2015
Consumer Loan Underwriter (contract)
USAA
01.2011 - 01.2011
Mortgage Loan Underwriter (contract)
USAA
01.2009 - 01.2009
Virginia Allred Stacey High School
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