Experience

• 

  Kern Federal Credit Union

  • United States
  • Financial Services
  • 1 - 100 Employee

  • Compliance/BSA/Internal Audit Officer

    • Mar 2006 - May 2015

    I established the current Internal Audit Program and was instrumental in establishing the current Bank Secrecy Act Protocols. Other duties included keeping the Standard Procedure Manual current, working directly with with Supervisory Committee, external auditors and the regulators.

  • Compliance/BSA/Internal Audit Officer

    • 2006 - 2015

    Establishing an audit program to cover production aspects of the the CU, assuring the sales staff were following the procedures established by the board approved policies.Monitoring the Bank Secrecy Act program for the CU, creating an environment of awareness for AML/OFAC compliance.Reporting to the CEO and Supervisory Committee all audit reports and documenting compliance with recommendations made by the Regulatory Agencies as well as outside audit firms, as necessary.

• 

  American Financial Services

  • Bakersfield, California Area

  • Operations Manager

    • Apr 2000 - Mar 2006
    • Bakersfield, California Area

    Originated, processed and submitted residential mortgage loan applications to various investors. General office management, including staff management.

• 

  North American Mortgage

  • Bakersfield, California Area

  • Operations Manager

    • Jan 1996 - Feb 2000
    • Bakersfield, California Area

    Started as a Sr. Underwriter on residential mortgages, worked up to Operations Manager. I was responsible for up to 40 employees, all operations staff.

• 

  American City Mortgage

  • Bakersfield, - home office was Century City , CA

  • Corporate Underwriter

    • Dec 1992 - Jan 1996
    • Bakersfield, - home office was Century City , CA

    Underwrote residential mortgage loan applications, originated in California, FHA/VA/Conventional and some non-conforming. Trained employees on FHA 203k Rehabilitation Loan and Underwriters on the FNMA Automated Underwriting System. Traveled as back up underwriter for various branches of the company from San Jose to Irvine, CA.