Resume
Experience
2023 - Present
STRATEGIC CONSULTANT - COMPLIANCE & OPS RISK
Compliant Mortgage Solutions
Remote
• Provided expert consulting to mortgage lenders, driving enterprise risk management, regulatory compliance, and governance initiatives.
• Led fair lending programs (regression, redlining, steering, match pair analyses), CAPD reviews, and regulatory filings (NMLS, MCR, HMDA LAR), achieving 29% improvement in compliance outcomes.
• Designed controls to address operational gaps, reducing compliance failures by 63% and enhancing monitoring for call centers, social media, and cybersecurity risks.
• Developed advanced analytics, business intelligence, and GRC systems, improving risk visibility and decision-making.
• Streamlined state licensing and exam management processes and achieved 42% faster regulatory reporting.
• Built statistical sampling methodologies for quality control, optimizing risk assessment accuracy.
Key Achievements:
• Reduced operational risk exposure by 48% through predictive analytics.
• Enhanced client compliance programs, improving audit pass rates by 53%.
• Deployed GRC platforms, cutting compliance costs by 68%.
2017 - 2023
DIRECTOR GOVERNANCE & REPORTING
American Advisors Group
Irvine, CA
• Served as a key member of the Risk, Compliance, and Legal Senior Leadership Team, reporting to the Chief Risk and Chief Legal Officers, overseeing enterprise-wide risk governance.
• Chaired the Operations Risk and Technology Committee, driving strategic risk mitigation and operational efficiencies in collaboration with C-suite executives.
• Led mortgage licensing, vendor risk management (TPRM), third-party origination (TPO), GRC system development and Policies and Procedures ensuring robust compliance and risk oversight.
• Designed innovative tools and processes, achieving a 47% increase in risk and compliance efficiency, with SLAs met using 47% fewer employee hours and a 17% reduction in error rates.
• Directed quantitative risk analytics, fair lending, and business continuity planning, strengthening organizational resilience.
• Oversaw regulatory reporting (NMLS, MCR, MBFRF) and quality control sampling, ensuring accuracy and timeliness.
• Collaborated with executives to develop new revenue streams, aligning risk management with business growth.
Key Achievements:
• Transformed risk organization from reactive to proactive, reducing issue resolution time by 36%.
• Implemented GRC systems that saved 72% in compliance-related costs.
• Mitigated vendor-related risks by 53% through strengthened third-party risk frameworks.
2014 - 2017
DIRECTOR COMPLIANCE INITIATIVES & ANALYTICS
Prospect Mortgage (Homebridge Financial Services)
Dallas, TX & Sherman Oaks, CA
• Served as the primary compliance contact, reporting to the General Counsel and Chief Compliance Officer, leading the development of GRC systems, regulatory reporting, and social media monitoring for the Compliance Division.
• Built and enhanced regulatory databases and processes, including a Home Mortgage Disclosure Act (HMDA) review system and a mainframe for tracking, analyzing, and reporting regulatory examination findings, improving compliance accuracy by 84%.
• Coordinated with the Chief Fair Lending Officer and third-party vendors to conduct statistical analyses and report on fair lending compliance, including regression, redlining, and steering reviews.
• Developed a systematic approach for the Licensing Department to manage non-licensable activities and oversee NMLS, MBFRF, and state quarterly reporting, reducing filing errors by 39%.
• Maintained and updated quality control systems for loan production and servicing, implementing statistical sampling methodologies to report monthly loan-level findings.
• Led special projects to support corporate objectives, reducing compliance risks by 27% through innovative analytics and process improvements.
Key Achievements:
• Designed HMDA review system, streamlining compliance reporting and cutting processing time by 67%.
• Enhanced GRC systems, improving risk visibility and reducing compliance costs by 32%.
• Strengthened fair lending programs, achieving 68% improvement in audit outcomes.
2011 - 2014
SENIOR ANALYST (MGR), PORTFOLIO RISK - ASSET MANAGEMENT & OPS ANALYTICS (COMPLIANCE & SERVICING)
Vericrest Financial (Caliber Home Loans)
Dallas, TX
• Served as a senior member of the Portfolio Risk and Analytics Management Team, overseeing production and maintenance of monthly reports and risk models for asset management.
• Instituted a holistic reporting approach to quantify risk metrics, recommend workflow changes, and improve operational efficiency across multiple business units.
• Developed key data structures, including call history for the ASPECT dialer system, investor data reporting for S&P and Moody’s surveys, and standardized metrics for regulatory agencies and GSEs.
• Created the Portfolio Risk monthly reporting package, boosting operational consistency and transparency while providing actionable insights to the executive team.
• Delivered portfolio and business analytics, documenting workflows and processes to enhance risk management.
• Supported mortgage state licensing efforts, ensuring compliance with regulatory requirements.
Key Achievements:
• Improved operational efficiency by 36% through streamlined portfolio risk reporting.
• Reduced reporting errors by 71% with standardized metrics and data structures.
• Enhanced executive decision-making with actionable portfolio risk insights, contributing to 49% cost savings.
Education
2004 - 2006
UNIVERSITY OF SOUTH FLORIDA
Coursework in Biology & Biomedical Engineering
Biology (Pre-Med) & Engineering
Tampa, FL
2007 - 2009
FLORIDA INTERNATIONAL UNIVERSITY
Management Information Systems & Engineering
Coursework in Management Information Systems & Mechanical Engineering
Miami, FL
Professional skillset
Entrepreneurial Mindset
Go-to-Market Planning
Application Development
Teamwork & Collaboration
Analytics
Quantitative Risk
Qualitative Research
Enterprise Risk Management
Risk Governance
Regulatory Compliance
Third Party Risk (TPRM)
Regulatory Affairs
Statistical Analysis & Modeling
Business Intelligence
Mortgage Lending Knowledge
Mortgage Licensing
AML/BSA
Vendor Risk Management
Counterparty Risk
Regulatory Reporting
HMDA
Fair Lending
Policy & Procedures
Portfolio Risk
Loss Mitigation
Servicing Risk
Risk Governance
Technical Acumen
T-SQL
SSMS - Management Studio
SSRS - Reporting Services
SSIS - Integration Services
CogentQC
ACES
E360 - Encompass
Mortgage Cadence
SharePoint
R Studio
Power BI
QuickBase
Certifications
GRCP - GRC Professional Certification
CRVPM III - Certified Regulatory Vendor Program Manager
CRISC - Certified in Risk and Information Systems Control
CISM - Certified Information Security Manager
Certified BlockChain Expert
MCSE Business Intelligence
EMCDSA Data Science Associate
FMVA - Certified Financial Modeling & Valuation Analyst
Six sigma Green Belt Certification
LPEC - Leadership Professional in Ethics and Compliance
CCP - Certified Compliance Professional
CIPP - Certified Information Privacy Professional
Languages
English (native)
French (proficient)
Spanish (proficient)