Carla Gaspar

Professional with over 20 years in financial services ranging from banking to regulatory compliance and now lending.

Mortgage Loan Originator at Coast2Coast Mortgage LLC (2025-06 – Present)

• Originate, structure, and submit residential mortgage applications in compliance with FHA, VA, and conventional loan guidelines.
• Collect and validate financial documentation for pre-approval and underwriting.
• Utilize Encompass, LendingPad, Arive, and Blend LOS systems.
• Coordinate closely with processors, underwriters, title agents, and attorneys to ensure compliance, reduce processing delays, and maintain borrower satisfaction.
• Maintain current knowledge of TRID, RESPA, and QM/ATR regulations.

Mortgage Loan Originator at FLO Mortgage (2023-02 – 2025-06)

• Originated and closed residential mortgage loans in accordance with CFPB regulatory standards and lender overlays.
• Identified borrower eligibility and matched with best-fit loan products through comparative pricing tools.
• Ensured all documentation aligned with federal compliance standards, including TILA, ECOA, and HMDA.

Mortgage Loan Originator at Approved Mortgage Source, LLC (2022-05 – 2023-02)

• Managed full-cycle loan application process; cultivated relationships with realtors, builders, and attorneys.
• Interpreted AUS findings from Desktop Underwriter and Loan Product Advisor.
• Maintained high-quality pipeline accuracy with an emphasis on audit preparedness.

Mortgage Loan Originator at First Horizon Bank (2021-11 – 2022-04)

• Originated compliant residential mortgage loans while networking with strategic referral partners.

Mortgage Loan Originator at Pawtucket Credit Union (2020-06 – 2021-10)

• Closed over 130 loans totaling $30M in the first year.
• Recognized as Employee of the Quarter for exceptional performance and teamwork.
• Interfaced with loan processors and compliance staff to ensure audit readiness and regulatory adherence.

Compliance Coordinator at Pawtucket Credit Union (2018-05 – 2020-05)

• Led compliance risk assessments and ensured adherence to BSA, AML, OFAC, KYC/EDD, TILA, and HMDA regulations.
• Filed SARs/CTRs using Verafin; liaised with auditors and regulators
• Conducted KYC/EDD reviews of new accounts as well as continued monitoring
• Drafted and updated policies for Board review and regulatory approval.

Compliance Specialist at Navigant Credit Union (2007-02 – 2018-04)

• Investigated 300+ monthly transactions for AML/fraud risk; filed reports with FinCEN.
• Conducted OFAC checks, risk assessments, and KYC/EDD reviews.
• Supported regulatory audits and coordinated with law enforcement on flagged activities.

Bachelor of Arts in Psychology – University of Rhode Island

Associate of Arts in Liberal Arts – Community College of Rhode Island