SHEILA D. MILLERChicago, IL 60629

Phone: (773) 698-4026 ~ Email: trocksheila@gmail.com

COMPLIANCE ANALYSTIndustry-focused and solutions-driven compliance professional possessing a breadth of expertise in leading all areas including mortgage compliance, Risk Management, AML/BSA Due Diligence, CFPB/RESPA/ HMDA, Quality control audit, , loan origination and servicing, foreclosure review, data analysis, data management, quality control management, banking and financial product sales, team management and client services within the financial services and banking industries. Adept in leading all aspects of underwriting, risk management, compliance and due diligence processes from evaluation and verification through final approval or denial. Expertise in Conducting regulatory audits covering AML, BSA, TILA, GFE, HUD-1 and HMDA, RESPA and other Consumer State and Federal Regulations, performing summaries, repurchase letters and rebuttals, rendering decisions on applications, underwriting mortgage commitments, and the verification of supporting documentation.

Compliance HMDA RESPA CFPB Front-End & Back-End

Audit Mortgage Compliance

AML/BSA Risk Management Regulatory Audit Foreclosure Review Collateral Analysis Data Management

Loss Mitigation Internal Audit Quality Control

Audit

AREAS OF EXPERTISE

Reviewing/analyzing GFE, TIL SCRA files, loans and HUD-1 for compliance; RESPA CRA & HMDA CFPB

Reviews loan application data and credit files on a monthly basis for accuracy in reporting consistent with the requirements of HMDA.

Reports any potential concerns about non-compliance with HMDA RESPA CRA CFPB regulatory requirements

Gather and review financial data Review account reconciliations Leading detailed reviews of closed loans; re-underwriting credit, appraisal

analysis, re-verification of loan documents, analyzing credit documents, and ensuring loans meet the terms of insurance policies.

Managing the review and analysis of loan file information, identify issues and take appropriate action to resolve deficiencies; request missing documentation, utilize online research tools, and determine alternative options.

Identifying suspicious activities in order to provide prompt recommendations and reports to management.

Creating and submitting SAR reports on all suspicious activities and potential financial-related crimes.

Analyzing documents, including mortgage applications, credit history and income documents, debt ratio, loan-to-value ratios, credit scores, property valuations, title documents, and all compliance documents.

Determining and documenting loan conditions, managing approval or denial decisions, and communicating requirements and decisions. 

Conducting escrow account analysis and disbursement investigations. Review account reconciliations Perform Quality Control reviews to ensure accuracy of data analysis Provide feedback to management to enhance level of service provided to client

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Partnering with various departments in the design, development, and implementation of products, programs, initiatives, policies, procedures and guidelines.

Acting as primary contact regarding underwriting issues, while providing input in the development of best practices; facilitating Web-Ex training and development of staff.

PROFESSIONAL EXPERIENCECOMPLIANCE ANALYST Crosscheck Compliance

2015-PresentCOLLATERAL REVIEW SPECIALIST Mission Capital Advisors

2014-2015REMOTE FORENSIC UNDERWRITER Digital Underwriter-AMC 2013 - 2014COMPLIANCE ANALYST SVS Group-New Oak Capital 2013-2013SR. ANALYST/TEAM LEAD Promontory Financial c/o Solomon Edwards Group 2011 - 2013Independent Foreclosure Review-OCC Consent OrderCOMPLIANCE ANALYST AMC Mortgage Consultants, Libertyville, IL 2010 - 2011SUPPORT ANALYST Opus Capital Markets LLC, Lincolnshire, IL

2010ORDER ENTRY CLERK NTI Internal Revenue Service, Chicago, IL

2007 - 2009SALES ASSOCIATE Budget Rental/Thrifty Dollar Auto

2007 - 2009COMPLIANCE ANALYST Ocwen Loan Fulfillment, Downers Grove, IL

2005 - 2007QUALITY ASSURANCE UNDERWRITERUNDERWRITER Washington Mutual, Downers Grove, IL

2005 - 2006LOAN PROCESSOR United Buying Services, Chicago, IL

2003 - 2004AUDITOR/BANK LOAN PROCESSOR Hinsdale Bank, Chicago, IL 2002 - 2003LOAN ORIGINATOR United Companies/UC Lending

1996 – 1998PERSONAL BANKER/TELLER Harris Trust & Savings Bank

1976 - 1996

EDUCATION & CERTIFICATIONS

BUSINESS BANKING CERTIFICATION ~ American Institute of Banking, Chicago, ILEmphasis: Bookkeeping, Economics & Principals of Banking OperationsHOUSING SPECIALIST & INSPECTOR CERTIFICATION ~ Department of HUD (Housing Quality Standards)

AML & BSA CERTIFICATION – Harris Trust & Savings Bank/Bank of AmericaReal Estate Coursework ~ Truman College, Chicago, ILSoftware: Windows, Tigre Loan Reporting Systems, MS Office (Word, Excel, PowerPoint and Outlook), Casetracker, Outlook, LPS, Aacer, GWIM systems, MERS, AS400, Equator, Lexis Nexis, Lamp, Homesaver, Homebase, Iportal, Tracksource, Accurint, DU/LP, Clues, Calyx Point, Mavent

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