Customer Service Risk Management
Resume:
Niuvi M. Liriano-Rivera
I am inquiring regarding the available position your company has. After reading your job description, I am confident that my skills and desire to grow are a perfect match for the position available. I would bring to this position a broad range of skills, including:
• Banking
• Risk & Compliance
• Residential Underwriter
• Residential Mortgage Closer and Processor
• Management
• Title and Escrow Paralegal
• Management and staff supervising
• Good Customer Service Skills
• Work well with others and alone
• Hardworking professional
• Team player
I welcome the opportunity to further discuss this position with you. If you have any questions or would like to schedule an interview, please contact me by phone at 401-***-**** or by email at ad84w8@r.postjobfree.com I have enclosed my resume for your review, and I look forward to hearing from you. Very truly yours, Niuvi M. Liriano
Enclosed please find my professional resume and Community Resume Niuvi M. Liriano-Rivera
Niuvili@gmail.com401-339-7443
Education:
College Unbound -Bachelor in Organizational Leadership Objective:Detail-oriented Banking Risk & Compliance Officer with over 9 years of experience in identifying, assessing, and mitigating risks in financial services. Proven expertise in regulatory compliance, risk assessment, and developing training programs. Dedicated to fostering a culture of compliance and transparency while ensuring the organization meets all legal and regulatory standards. Passionate about enhancing operational efficiency and promoting risk-aware decision-making across teams. Risk & Compliance Specialist:Centreville Bank
July 2022 – Current
● Complies with and stays abreast of all policies and procedures, federal and state laws applicable to Business Control, Marketing, Commercial and Residential Lending
● Build, develop, and annually update training materials and visual aids Develop business or process risk assessments, in conjunction with the business unit owner, as applicable, and deploy in the Bank’s enterprise risk management system
● Review Bank process risk assessments to ensure appropriately capture the risk by business unit
● Assess business or process internal control effectiveness, through the review of internal audits, regulatory examination reports, policies and procedures, and internal monitoring to conclude and document the appropriateness of the results of the risk assessments – “effective challenge”
● Communicate with business unit managers and assist, as appropriate, in the resolution of any issues identified in the “effective challenge
● Work with managers in increasing the understanding of risk, and the risk assessment process
● Prepares enterprise risk management reports for the Risk Manager and the appropriate oversight and Board committees
● Recommends changes and assists in preparing policies, procedures, controls or actions to be implemented throughout the Bank
● Supports all activities related to the Management Risk Compliance Committee and the Executive Risk Management Committee
● Acts as a Subject Matter Expert for Enterprise Risk Assessment Software
● Develops and prepares customized reports for the Division on a recurring and needed basis
● Serves as a Product Manager for various vendors used for risk management Certified Residential Underwriter:Centreville Bank Nov 2020 – July 2022
● Evaluate the creditworthiness of borrowers and their ability to repay to render a credit decision.
● Condition loan for items needed to prove creditworthiness as well as review and satisfy conditions as they are received.
● Works with Team Managers and other underwriters to ensure proper turnaround parameters and goals are met.
● Involved in the daily management and workflow of the production pipeline. Work with and interact with processors, customer support unit and closers, and Risk management.
● Maintain current and fluid knowledge of Underwriting Guidelines and adapt to changes quickly.
● Evaluate the application to determine if there are any other products or alternative terms available before the issuance of the denial
● Create new Loan programs and develop underwriting guidelines for low to moderate-income families.
● Review and update satisfactory HMDA report
● Develop process and procedure underwriting guidelines Sr. Specialist, Mortgage Underwriter- Santander Bank NA Aug 2019 - Nov. 2021
● Evaluate the creditworthiness of borrowers and their ability to repay to render a credit decision.
● Review outstanding conditions on loans for acceptance including the review of requested documents and credit bureau.
● Works with Team Managers and other underwriters to ensure proper turnaround parameters and goals Niuvi M. Liriano-Rivera
Niuvili@gmail.com401-339-7443
are met.
● Ensure all loans meet or exceed corporate credit quality.
● Ensure all documentation is accurate and complete.
● Involved in the daily management and workflow of the production pipeline. Work with and interact with processors, customer support unit and closers, and Risk management.
● Maintain current and fluid knowledge of Underwriting Guidelines and adapt to changes quickly.
● Evaluate the application to determine if there are any other products or alternative terms available before the issuance of the denial
Sr. Residential Closing -Santander Bank NA 2014-Aug 2019
● Employee management (hiring, review, incentives, medical insurance management
● Funding Approval $3 Million
● Error reporting
● Confirms that the program and lock-in Rate match the information in UNIFI
● Interacts with other related departments
● Prepares funds for closing by wire.
● Prepares summary of fees to be collected and closing documents required for settlement
● Review each file and determine if all required documentation has been received.
● Keeps up to date on internal and regulatory changes.
● Completes information in UNIFI system or settlement, delivery, and HMDA
● Tax calculations
● Payoff calculations
● Disburse wires
● Post-closing accounting of disbursement
● Post-closing of documents
● Prepare state-funded documents
● Prepares instructions of outstanding conditions the closing agent must obtain before disbursing the loan proceeds and title requirements. Including the review of the final closing disclosure to ensure we are compliant with all RESPA and other state and federal regulations
● Working knowledge of FNMA, FHLMC, FHA, and VA
SKILLS:Encompass, Unify, Identify Empower, Unify, CMSI, Soft Pro, Fannie Mae, Freddie Mac guidelines, Rhode Island Housing and Mass Housing system unloader, Lexis Nexis, Softpro, BYTE, Excel, PowerPoint, Microsoft Word, Outlook, QuickBooks, Peachtree, Tax Preparation Training, CLS, FTP Web Downloader. References:Supplied upon request
Niuvi M. Liriano-Rivera
Niuvili@gmail.com401-339-7443
Director of Resource Development & CommunicationsResults-driven Director of Resource Development & Communications with 9+ years of experience in building and leading successful programs. Known for being a strong leader, problem-solver, and good communicator. Successfully built a Low to Moderate Income Assistant Banking Program that provided first-time home buyers with Free Mortgage Insurance. Passionate about creating innovative solutions and driving positive change in the community. EMPLOYMENT HISTORY
Community Engagement Committee
Centreville Bank, West Warwick, RI -November 2020 - Present
● Managed consumer lending marketing and social media for Centreville Bank, resulting in increased brand visibility and customer engagement.
● Led the Community Engagement Committee, overseeing employee and community engagement initiatives, and effectively managing the Community Reinvestment Act.
● Coordinated various events, including employee and community engagement activities, ensuring successful execution and fostering a positive organizational culture.
● I Demonstrated effective leadership skills in leading and motivating cross-functional teams to achieve shared goals and objectives.
● Led and coordinated the Centreville Bank community engagement committee by establishing goals, developing initiatives, and overseeing the implementation of programs that align with the bank's mission and values.
● Develop and implement strategies to enhance employee volunteerism and community involvement, increasing employee engagement and positive community impact.
● Evaluate the impact of community engagement initiatives on the bank's brand reputation, customer satisfaction, and employee morale, and adjust strategies and tactics as needed to ensure maximum effectiveness.
● Develop and maintain relationships with local community organizations and leaders to identify partnership opportunities and support the bank's community engagement efforts.
● Develop and implement a comprehensive employee resource program that supports the well-being, personal development, and professional growth of Centreville Bank employees.
● Collaborate with the marketing team to develop and execute consumer lending marketing campaigns, including social media and digital advertising, to increase brand visibility and customer engagement.
● Develop and implement a social media strategy that effectively promotes Centreville Bank's community engagement initiatives, engages customers, and increases brand visibility. Community Engagement Committee
Santander Bank, Riverside, RIOct, 2016 - Nov, 2020
● Planned a week-long employee engagement carnival for over 250 employees
● Organized a bowling event for Ronald McDonald, a non-profit organization
● Managed community and employee engagement initiatives
● Coordinated bank-wide event planning
● Communicated with non-profit organizations
● Worked in the Community Engagement Committee at Santander Bank in the banking/mortgage market
● Develop and implement strategies to increase community engagement and participation in Santander Bank initiatives.
● Developed and implemented a comprehensive employee volunteering program to increase employee engagement and community impact.
● Managed the budget for community engagement initiatives at Santander Bank, ensuring funds are allocated effectively and responsibly
● Identify and forge partnerships with local businesses and organizations to support community development initiatives
● Coordinated and facilitated regular meetings with the Community Engagement Committee to discuss upcoming Niuvi M. Liriano-Rivera
Niuvili@gmail.com401-339-7443
initiatives, share progress, and address any challenges or concerns
● Provide guidance and support to employees participating in community engagement initiatives, ensuring they have the necessary resources and information to make a meaningful impact.
● Collaborate with internal departments to develop and execute employee engagement activities and events Facility Director
Cat's Exclusive, Pompano, FL2006 - 2015
● Managed the operations of a national cat show that generated over $200,000 in revenue
● Successfully hired a facility veterinarian to obtain facility certification and apply for grants of over $150,000
● Develop and implement a comprehensive facilities management strategy that aligns with Cat's Exclusive's goals and objectives
● Develop strategic plans to expand the facility's outreach programs and services to increase revenue and community engagement.
● Develop and implement a sustainability initiative to reduce the environmental impact of Cat's Exclusive's facilities and operations
● Evaluate and improve the efficiency of the facility's operations to optimize resources and reduce costs
● Develop and implement a training program for facility staff to ensure they have the necessary skills and knowledge to provide quality care for the cats in Cat's Exclusive's facilities
● Collaborate with local Pet Stores to provide affordable spay/neuter services for low-income pet owners
● Identify and pursue partnerships with local businesses and organizations to promote and support Cat's Exclusive's mission and programs
SKILLS:Program Development, Leadership, Communication, Marketing LANGUAGES:Spanish,Native
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