Aria L.

Experience

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  Barclays Bank PLC

  Aug 1994 - Mar 1999

  Customer Service Officer/Data Processing

  Provided teller services in a demanding, service-driven environment. Audited night safe banking operations; handled, audited and reported large sums of money for businesses; provided foreign-currency exchange services, data processing services; opened personal and corporate accounts; performed client requested research and conducted marketing.

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  Government of Belize

  Apr 1999 - Jan 2001

  Civilian Prosecutor

  Reported to the Office of Public Prosecutions; researched relevant laws for case preparations; participated in interviewing of witnesses and court presentations; introduced evidence in courts; examined witnesses and cross-examined defendants, presented testimonials from medical doctors, accountants and police officers; prosecuted sensitive cases, such as victims of sexual assault and minors; supervised and trained police officers in orderly court procedures.

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  Law Office of Daniel Consuegra

  Jan 2004 - Jan 2005

  Para-Legal

  I assisted Attorney Jennifer Sesta, Esquire. I prepared, drafted and filed defaults; final judgments; affidavits and garnishment requests; scheduled and confirmed court hearings; researched defendants employment for garnishments; mediated cases with defendants and clients regarding garnishments; disbursed funds to clients; checked taxes for properties undergoing foreclosure; retrieved and delivered titles for mobile home foreclosure to clients.

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  Florida Default Law Group

  Aug 2007 - Oct 2008

  Portfolio Manager/Foreclosure Specialist

  Managed a portfolio of files through the entire foreclosure process from the service stage to the foreclosure sale stage. Worked on the Motions and Judgment teams. Prepared legal documents; adhered to legal requirements and civil procedures; I consistently exceeded monthly goals; gained superior technical skills with client systems such as LPS, VendorScape, LenStar and utilized several software and database programs such as Perfect Practice, MS Office Suite: Word, Excel and PowerPoint.

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  Albertelli Law

  Nov 2008 - May 2010

  Sales Paralegal and Legal Assistant

  As Sales Paralegal: I prepared legal sales packages; bidding instructions; post-judgment affidavits; monitored sales for bankruptcy and client cancellations; responded to telephone and electronic inquiries from attorneys and clients; worked with court clerks on sales cancellations; I drafted, prepared and proofread legal documents for attorneys; gained technical knowledge with LPS and VendorScape; managed post-sales protocols; researched sales issues related to the foreclosure process. As Legal Assistant: I transcribed and processed various litigation correspondence; drafted attorney’s letters; coordinated and scheduled appointments, meetings, hearings, mediations and depositions; maintained attorney’s calendar and information protocols, including billing and litigated files; responded to telephone and electronic inquiries from opposing counsels, clients, staff, judges and judicial assistants; provided daily electronic status updates to clients on each file via LPS and VendorScape. Show less

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  American Bar Association Rule of Law Initiative

  Jul 2011 - Jul 2011

  Intern

  As an intern with the American Bar Association’s Rule of Law Initiative, I assisted with prosecutorial training concerning areas of ethics to combat corruption in order to promote legal reform in Belize.

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  Twocanview.com

  Dec 2011 - now

  Owner/writer/small business owner Twocanview LLC

  writer

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  Bank of America

  Jul 2012 - Jan 2013

  Independent Claims Researcher III

  I researched, analyzed, and provided recommendations on default mortgage loans on the IndependentForeclosure Review (IFR) to determine if all required loss mitigation activities were handled anddocumented in compliance with regulations (O.C.C., Dodd–Frank Act, SCRA, U.S. Bankruptcy Code).I completed six-weeks of intensive training in: financial auditing, loss mitigation eligibility, underwriting, loss mitigation timeline compliance.I audited loss mitigation underwriting and special forbearance plans; I reviewed loan modifications of securitized, asset such as FHLMC, FNMA, VA, FHA and NON-GSE Loan specializing in FHA and VA modification review; and also audited bankruptcy servicing, regulatory compliance, fraud, fair lending, and mortgageI audited loan files from 26 computer systems, compiled from financial statements, appraisals, BPOs,AVMs, Titles, mortgages/deeds of trust, court pleadings, and borrower correspondence to collectivelyverify information used to make the loss mitigation decision.I calculated and analyzed DTI, Loan-to-Value ratios, NPV inputs to verify income, underwriting, etc.I identified transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve all identified issues and responsible for notifying management of all violations or potential violations that could potentially cause the bank financial harm in the future. At the end of the review I submitted my observations and evaluations about processes to be further evaluated by OCC. Show less

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  Clayton

  Feb 2013 - Sept 2013

  QC Analyst

  I worked on many special projects to ensure legal compliance with state and federal laws for personal and business mortgage loans. Additionally I reviewed complaints from borrowers who requested loss mitigation and loan modifications during the foreclosure process. I evaluated underwriters’ workflow and test for adherence to ensure policies, procedures and banking rules for modification programs were in compliance with government, investors, banking regulations and procedures before final submission to client. I audited underwriter’s reviews of loan modifications of securitized assets for FHLMC, FNMA, VA and Proprietary loss mitigation and modification programs. I audited, rated scorecards, and provided recommendations and feedback to underwriters. Prepared compliance related reports and implemented remedial or corrective actions. Provided oversight and guidance to loss mitigation servicing areas namely compliance risk management systems including policies, procedures, practices, and internal controls.Managed/Trained a team of 7 members. Show less

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  Federal Deposit Insurance Corporation

  Jun 2013 - May 2014

  General Contractor

  FDIC contractor at Clayton Inc.

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  JC III & Associates

  Nov 2013 - Jan 2014

  Due Diligence Underwriter

  I provide forensic auditing of performing and non-performing loan pools to ensure that pertinent materials and pay history information are discovered summarized and reported accurately to potential investors.

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  Charles Rutenberg

  May 2015 - now

  Realtor/ License 3323695

  Real Estate -InvestmentREOListing Agent

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  Prime Asset Fund

  Jun 2015 - now

  Neuberger Pool- Team LeadOctober 2014- PresentI manage a team of 5 with 700 + assets consisting of performing loans, collection loans, foreclosing assets and REO assets. The portfolio consists primarily of single and multi family residential assets.Asset Manager-Nomura I Pool -NY, NJ, CA, FL, DC, TX, SC, TN, AL, ME, OH, LA, MO, UT, AZ, ID Feb 2014- September 2014Monitored monthly payments of performing mortgage loans; bankruptcy plans and modification plans.Monitoring Servicers and Attorneys for strict timelines on defaulting mortgage loans.Monitor and pay all taxes, liens and encumbrances.Assign, monitor and direct eviction action on all occupied assets. Coordinate cash for keys, early move-outand any other resolutions with Realtor, Attorney and Occupant(s)Manage all property preservation activities on REO and/or assets designated for rentals.Review all forms of Asset Valuation (BPO, Appraisal, etc.) and determine Reconciled Market ValueReview bids and prepares ROI analysis to determine ‘Repaired’ vs. ‘As Is’ sales strategyPrepare REO Marketing Plan and Recommended Marketing Strategy for approvalReview agent status reports and update marketing strategy while property remains on the market and unsoldNegotiate all offers (highest and best) and present to management for final approval.Review the Purchase and Sale agreements to ensure terms are defined as negotiated: Price, Concessions,Deposits, Closing Date, Financing Terms, Execution of Addendum(s), etc.Ensure proper execution of all closing documents, review and approve Hud-1’s, track proceeds andmanagement fees to ensure receiptResponsible for system data integrityMaintain accurate asset status and detailed notes on assigned portfolioProvide support and assistance to entire teamHire qualified real estate agents.Manage and oversee the performance of a network of attorneys, servicers, real estate agents and vendors on assigned portfolioAssist with training of new hire staff. Show less

  • Team Lead

    Feb 2015 - now

  • Team Lead/ Sr. Asset Manager

    Feb 2014 - now

  • Loss Mitigation Manager

    Jun 2015 - Dec 2023
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  State of Florida

  Apr 2018 - Jan 2018

  Certified Notary Public, State of Florida

  Provides notary services