Marquez Mervin

Detail-oriented and results-driven financial professional with over 7 years of experience in compliance, fraud detection, mortgage operations, and customer service. Proven ability to investigate suspicious financial activities, compile and analyze data, and ensure compliance with federal and state regulations. Skilled in conducting investigations, monitoring timelines, and creating detailed reports for internal audits and regulatory agencies.

Seeking to leverage my expertise in compliance and financial analysis to excel as a Financial Intelligence Analyst within a dynamic financial center.

MEMBER SERVICE REPRESENTATIVE II - NAVY FEDERAL CREDIT UNION - JACKSONVILLE, FL - REMOTE

(2024-02)

• Analyze, research, and resolve member issues with a high degree of accuracy, ensuring exceptional member satisfaction.
• Assist members with basic account transactions and loan applications for vehicles, boats, motorcycles, and personal expense loans while adhering to policies and procedures.
• Knowledgeable of Navy Federal products, services, programs, policies and procedures.
• Stay up to date with evolving regulations and internal policies, effectively applying them to daily tasks.
• Effective skill exercising initiative and using good judgement to make sound decisions.
• Safeguard member identity by verifying callers, reviewing alerts, and addressing account irregularities.
• Take action and respond to situations/patterns of activity indicating potential fraud or abuse.
• Initiate fee adjustments and/or other monetary incentives for members within scope of authority.
• Work and participate in cross-functional, multi-dimensional teams and projects.

COMPLIANCE SPECIALIST - ANGEL OAK COMPANIES - ATLANTA, GA - REMOTE

(2019-05 - 2023-06)

• Conducted daily compliance reviews and managed multi-dimensional workflows for loan disclosures, adhering to state and federal guidelines.
• Audit file for completeness and accuracy to ensure compliance before sending out initial disclosures and loan estimate.
• Collaborated with cross-functional teams to meet compliance goals, ensuring timely redisclosures and accurate change of circumstance requests.
• Maintain knowledge of all current government regulations and changes in regulations.
• Identified and validate change of circumstances.
• Monitor Change of Circumstance requests and ensure re-disclosures and COC notices are in compliance and issued within required timeframe
• Analyze individual loan files and adhere to compliance guidelines.

LOSS MITIGATION UNDERWRITER

• Maintained exceptional organizational skills to manage a high-volume pipeline, meeting strict deadlines and regulatory requirements.
• Reviewed "Complete" package to determine if additional documents are required
• Ordered credit reports, title reports, PV, broker price opinions or appraisals.
• Responsible for documenting the servicing system, generate appropriate letters and or tasks, as well as adding documentation to SAGENT to substantiate the Loss Mitigation Decision made for each account.
• Calculated modification principal balance capitalization for approved retention options, considering past due interest, escrow, and 3rd party advances.
• Supported BSA/AML operations by reviewing borrowers’ financial documents (tax returns, credit reports, bank statements) for potential fraud or irregularities.
• Notified designated Single Point of Account if documents are missing or if additional documents are required.

CLOSING DISCLOSURE ANALYST – TRID - BANK OF AMERICA - ATLANTA, GA

(2016-10 - 2019-04)

• Ensure compliance, law regulations, rules and guidelines are met at time of mortgage loan origination and submission.
• Recognized for organizational skills in managing multiple tasks simultaneously, consistently meeting performance goals
• Prepared and audited Closing Disclosures, ensuring compliance with state and federal regulations and TRID guidelines.
• Delivered group presentations on regulatory updates and operational changes to team members.

TELLER/RELATIONSHIP BANKER

• Monitored transactions for suspicious activities, including structuring, money laundering, or potential fraud.
• Assist with opening and closing procedures, including vault and ATM balancing.
• Process deposits, withdrawals, transfers, and payments accurately and efficiently.
• Completed Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs) when required.
• Identified customer needs and recommend appropriate banking products and services, such as credit cards, loans, and savings accounts.
• Maintained records for compliance with federal/state laws, such as Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations.
• Actively participated in team meetings and projects to enhance branch performance and compliance standards.
• Provided excellent customer service by assisting customers with inquiries and resolving discrepancies.
• Verified cash, checks, and negotiable instruments to prevent fraud or counterfeit activity.

HIGH SCHOOL DIPLOMA - OAKLEAF HIGH SCHOOL ORANGE PARK, FL