Donna Moore

Accomplished Senior Mortgage Fraud Investigator and Compliance Specialist with 19+ years of elite experience driving risk management, forensic underwriting, and high-level financial crimes investigations.

Former Certified Mortgage Fraud

Examiner (CMFE) with a proven track record of uncovering complex single- and multi-family fraud schemes, protecting corporate assets, and decisively mitigating lender and investor repurchase risk.

Mortgage Fraud Investigator - Fannie Mae

(2014-05 - 2024-09)

• Executed structured, end-to-end investigations into complex single-family and multi-family mortgage fraud allegations across loan origination processing, underwriting, and servicing (including short sales, loss mitigation, and REO).
• Identified systemic fraud patterns and organized regional referrals by preparing independent, comprehensive investigative reports for corporate leadership.
• Synthesized complex data from internal and external intelligence tools (including LexisNexis, Accurint, and RealQuest) to isolate high-risk credit and servicing anomalies.
• Conducted targeted investigative interviews with employers, customers, title companies, and third-party vendors to cross-examine and verify suspect loan data.
• Mentored and guided junior compliance staff on investigative mechanics and collaborated cross-functionally with internal business units and executive management daily to deliver critical updates on active regional fraud schemes.

Mortgage Fraud Investigator - Citibank - Irving, TX

(2013-04 - 2014-04)

• Mitigated severe financial exposure by investigating high-risk active and closed loans for fraud, protecting the firm against investor repurchase and make-whole requests from Fannie Mae, Freddie Mac, and private mortgage insurer.
• Authored Suspicious Activity Reports (SARs) in strict compliance with federal regulatory timelines on loans with confirmed or suspected fraud.
• Uncovered complex industry fraud schemes, including straw buyers, "buy and bail" tactics, and undisclosed liabilities/assets.
• Performed forensic underwriting reviews, recalculating debt-to-income (DTI) ratios, reviewing DU/LP findings, and auditing third-party appraisal valuations.

Mortgage Fraud Investigator - Aerotek (Contractor for Fannie Mae) - Dallas, TX

(2012-08 - 2012-12)

• Managed a high-volume loan pipeline flagged for fraud indicators, focusing on internal and external errors to protect the firm from repurchase or reimbursement liabilities.
• Issued Significant Finding letters recommending compulsory loan repurchases or financial reimbursements from non-compliant lending institutions.
• Audited file credit histories, income calculations, assets, and preliminary property appraisals to verify compliance with agency benchmarks.

Loss Prevention Consultant / Mortgage Fraud Investigator - MetLife Home Loans (Division of MetLife Bank) - Irving, TX

(2008-11 - 2012-06)

• Investigated investor repurchase exposure and identified structural fraud schemes using LexisNexis and FraudGuard.
• Spearheaded initiatives and authored comprehensive technical training plans covering complex investigative workflow mechanics for incoming personnel.
• Constructed independent risk assessments to isolate lender errors and successfully reduce financial exposure.

Commercial Real Estate Closer Coordinator - Countrywide Commercial Real Estate - Plano, TX

(2007-02 - 2008-05)

• Processed high-value commercial assets in accordance with Conduit and Advantage guidelines.
• Analyzed credit worthiness metrics, verifying multi-tenant leases, operating statements, and balance sheets.

Associate Underwriter - Aerotek (Contractor for Bank of America) - Dallas, TX

(2006-06 - 2007-02)

• Processed high-value commercial assets in accordance with Conduit and Advantage guidelines while verifying multi-tenant leases, operating statements, and balance sheets.
• Exercised credit sign-off authority to review, clear, and add complex conditions regarding borrower income and titles.

Compliance / Quality Control Lead - PrimeLending (A PlainsCapital Company) - Dallas, TX

(2001-05 - 2006-05)

• Coordinated and built the Quality Control division from the ground up, establishing formal, step-by-step training manuals and mentoring a high-performing compliance team.
• Audited over 100 loans concurrently to enforce compliance with internal standards and HMDA reporting requirements.

Bachelor of Science - Criminal Justice - Sam Houston State University