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.
