Brittany S.

Experience

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  Navy Federal Credit Union

  Oct 2009 - May 2012

  Mortgage Processor/Closer
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  USAA

  Jun 2012 - Dec 2012

  Mortgage Processor II
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  Clayton

  Aug 2013 - Dec 2013

  Data Entry/Closer
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  FIS

  Apr 2014 - Mar 2015

  QC Compliance Analyst II

  • Conducted Quality Control reviews of mortgage loans, for compliance with the Good Faith Estimate (GFE) and Settlement Statement (HUD-1/HUD-1 A) requirements of RESPA regulations.• Conducted remediation of findings relating to RESPA tolerance errors, including possible re-disclosure and calculation of any necessary restitution. • Performed Home Mortgage Disclosure Act (HMDA) reviews for residential purchases and refinance Conventional, VA, and Home Equity Loans.

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  Clayton

  May 2015 - Oct 2015

  Due diligence Underwriter/Mortgage Closer

  • Promoted to Quality Control with minimal supervision required.• Performed due diligence underwriting to mitigate loss.• Prepared closing packages, and approved Settlement Statements for Suncoast Credit Union.

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  FIS

  Oct 2015 - Jul 2016

  QC Compliance Analyst

  • Researched, analyzed, and performed a comprehensive review of loan file data, information, and documents, assessing the client’s compliance with state and federal regulations.• Prepared reports, exhibits, and other supporting documents detailing compliance with laws and regulations; recommended solutions to questionable transactions and procedures.• Directed and participated in formal and informal meetings with senior management and outside counsel, to gather information and discuss findings. Show less

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  Universal American Mortgage Company

  Nov 2016 - Feb 2017

  Mortgage Audit Coordinator

  • Developed and utilized the internal audit tool for the department to evaluate, track and monitor deficient and high-risk loans more efficiently. • Performed quality control audits and effectively communicated the results with Senior Management.• Assessed policies, procedures, and controls through gap analysis, addressing internal control weaknesses, ensuring appropriate training in place, and recommending corrective actions.

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  BayFirst

  Feb 2017 - now

  Responsible for coordinating with all outsourced internal audit firms to ensure audit requests are completed timely, proper communication occurs with bank department and senior leaders, and audit reports are delivered timely to the Audit Committee of the Board of Directors. In addition, assists in performing moderately complex audits and assessments of Bank’s risk and control environments in coordination with the Audit team.• Recognized as one of the top five corporate employees entrusted with a new role following the closure of the Residential Mortgage Department, showcasing adaptability and leadership.• Coordinates with outsourced internal audit firms for timely completion of audit requests, resulting in a 25% reduction in audit cycle time. • Leads and manages audits, with a 15% increase in audit efficiency, and consistently meets audit report delivery deadlines.• Oversees the seamless integration of new products into the bank's Fraud Control environment, enhancing the bank's product portfolio and security measures.• Performing ongoing risk assessments• Proactively monitors emerging threats, conducts root cause analysis, and recommends solutions, leading to a reduction in vulnerabilities and risk exposure. Show less • Promoted to AVP for successfully developing and maintaining the Company's Fraud and Quality Control programs, resulting in a 25% reduction in fraud-related incidents and a 15% increase in overall quality control efficiency.• Consistently exceeded department productivity expectations, achieving a 95% positive investigation results rate.• Implemented a new fraud prevention policy that led to a significant 30% reduction in fraudulent loans, enhancing the bank's security and saving approximately $20 million annually.• Mentored and trained a team of 3 junior fraud analysts, resulting in a 20% reduction in false positives and enhancing the team's efficiency.• Conducted fact-finding investigations on various matters, collaborating with Risk Operations, IT, Finance, Compliance, and BSA/AML. Show less

  • AVP, Internal Audit Coordinator/Risk Analyst

    Dec 2022 - now

  • AVP, Residential QC/Fraud Manager

    Feb 2017 - Dec 2022
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  Greater Fort Myers Chapter of the ACFE

  Jan 2023 - now

  Membership And Publications Director-Greater Fort Myers Chapter of the ACFE Board

  Membership And Publications Director