Senior Independent Testing and Validation Specialist at Wells Fargo (2022-10 – 2026-03)
Led end-to-end development of complex regulatory documentation, including scope statements, control assessments, and validation reports. Collaborated extensively with Legal, Compliance, Operational Risk, and business partners to clarify requirements and ensure documentation accuracy.
- Led end-to-end development of complex regulatory documentation, including scope statements, control assessments, and validation reports, ensuring alignment with enterprise standards and regulatory expectations.
- Collaborated extensively with Legal, Compliance, Operational Risk, and business partners to clarify requirements, resolve ambiguities, and ensure documentation accurately reflected regulatory obligations — directly transferable to drafting and refining GIAs, FCAs, and MPFCAs.
- Facilitated structured information exchange across multiple service lines, ensuring all stakeholders had accurate, timely updates on documentation status, risks, and required actions.
- Produced precise, defensible workpapers that clearly articulated procedures performed, evidence reviewed, and conclusions reached, supporting audit, regulatory, and governance needs.
- Exercised independent judgment to identify regulatory requirements, interpret policy impacts, and recommend solutions consistent with standards, procedures, and applicable laws.
- Managed multiple concurrent projects in a fast-paced environment, consistently delivering high-quality documentation on schedule.
- Conducted deep-dive process walkthroughs to understand operational practices, system interactions, and control environments — experience directly applicable to understanding interconnection processes and drafting related agreements.
- Strengthened organizational transparency through proactive communication, status reporting, and stakeholder engagement.
Compliance Generalist at V.I.P. Mortgage (2020-09 – 2022-10)
Researched and maintained federal flood-insurance compliance requirements. Built Excel-based tools for reporting and analysis. Identified process improvements and developed internal documentation tools.
- Researched federal flood-insurance requirements using federal databases to determine regulatory applicability.
- Maintained investor-guideline spreadsheets for detached structures in flood zones, minimizing regulatory and financial impact.
- Launched an internal FAQ database that reduced repetitive inquiries and improved operational efficiency.
- Built Excel-based tools for mortgage-insurance premium reporting and scenario comparison using dynamic dropdown logic and Selenium.
- Identified ineffective processes and recommended improvements using Excel, PowerPoint, and data-driven analysis.
- Conducted flood-insurance due diligence using public and proprietary data sources.
- Created Minnesota loan-activity reporting tools for instant visibility into origination trends.
- Developed Excel-based job aids to determine document eligibility for borrower delivery.
- Interpreted state regulations using online databases and provided guidance to employees on flood-insurance scenarios.
Compliance Analyst at Home Point Financial (2019-07 – 2020-09)
Strengthened regulatory compliance accuracy through ad-hoc Excel analytics. Served as primary reviewer for Power-of-Attorney requests. Supported enterprise-wide risk reduction and compliance initiatives.
- Strengthened regulatory compliance accuracy by designing ad-hoc Excel analytics to measure adherence to Virginia's lender-compensation requirements, enabling precise identification of exceptions and trends.
- Served as the primary reviewer for Power-of-Attorney (POA) requests, conducting detailed research and approvals to ensure all documentation met federal, state, and investor standards.
- Supported enterprise-wide risk reduction by joining a specialized task force dedicated to clearing the backlog of VA loans, accelerating throughput while maintaining strict compliance controls.
- Developed a comprehensive, company-wide state-disclosure matrix, consolidating regulatory requirements from multiple sources into a single authoritative reference with embedded links to official rules and statutes.
- Conducted California licensing validation to confirm loan officers were properly licensed and authorized to originate loans, reducing exposure to regulatory penalties and investor scrutiny.
- Enhanced operational consistency by identifying documentation gaps, clarifying regulatory expectations, and supporting teams with clear, actionable compliance guidance.
Operational Compliance Analyst at Loan Depot (2012-09 – 2019-02)
Executed compliance tests to evaluate policies and identify issues. Designed Excel-based reporting tools. Maintained compliance with mortgage-specific regulatory requirements including ECOA, Fair Lending, and UDAAP.
- Executed tests to evaluate policies, identify issues and recurring patterns within specific departments.
- Designed and implemented a new Excel-based monthly branch scorecard, cutting reporting effort by 80%.
- Created and maintained Excel spreadsheet showing email activity displaying critical metrics used to regulate allocation of company personnel.
- Performed target testing to reduce error rates related to mortgage specific regulations. Report deficiencies to upper management for proper handling and training corrections.
- Maintained compliance with regulatory requirements such as Right of Rescission (ROR), Equal Credit Opportunity Act (ECOA), Fair Lending, UDAAP.
- Process to monitor loans that were ready for initial disclosures. Processes ensured adherence to company and federal regulations as well as avoidance of fines of $3,000 per loan.
- Developed documentation for new procedures for the Compliance team.
- Scheduled audits to ensure capture of deficiencies in an efficient manner.
- Drafted new process/procedures updates to departments and had them published in our online database system.
- Lead team in state reviews of specific files to ensure adherence to state or federal regulation.
- Utilized Excel to store and efficiently organized a database of over 6,000 employees to track mandated training program ensuring compliance with investors for training.
