Former Federal Reserve Board Bank Examiner

Brenda comes from a very diverse background which gives her an innate ability to excel in several different industries such as Compliance, Financial Services, and Telecommunications.

A Senior Regulatory and Compliance leader with years of diverse experience delivering superior performance with the Federal Reserve Bank and providing advanced service as a financial services consultant. I have been trusted to carry out major initiatives, reliably managing multiple projects and organization change. Recognized as a Subject Matter Expert (SME) in BSA/AML/US Patriot Act in compliance matters.

Strong ability to interpret and apply laws in fluid, challenging environments who communicates well with senior management and team members from diverse experience levels. Proven ability to lead large, cross-functional teams and working directly with the necessary agencies to bring about the project conclusion. Currently, a second-year law student pursuing a law degree (JD)

Previous Experience:

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• Federal Reserve Board Senior Examiner

• Project Manager for Consent Order Project Remediation

• Quality Assurance Project Manager

Specializing in:

• Bank Regulatory Compliance & Legal Issues

• Financial Services

• Loans

• Fraud Investigations

• Telecommunications

• Software Implementations & Conversions

• Testing Management and Financial Services Project Management

• Regulatory Corrective Action Plans

• Bank Examination Management

• Regulatory Consent Orders

• Quality Assurance

• Process Optimization

Experienced in:

• HMDA

• TILA

• RESPA

• ECOA

• Regulation “C”

• Banking Law

• Sarbanes-Oxley Regulation

• Financial Reports

• BSA/AML

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Mortgage Banking Process Subject Matter Expert

Mr. Neucke holds an MBA and has over 27 years of experience in Banking, Mortgage Banking, and Servicing. Areas include management of credit, origination, business development, servicing, product development, risk, audit, compliance and quality control. Experience includes a full understanding Banking and Mortgages with proficiency in Consumer through Business to Business with results. Mr. Neucke’s experience and accomplishments lend value to any organization and/or project.

Mr. Neucke has held various executive positions with some of the nation’s largest institutions in the Mortgage Banking Industry including Chief Marketing Officer.

Previous Experience:

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• Personally formulated and produced the first business plan for INDYMAC which steered the organization to penetrate the small to medium sized bank and credit union markets.

• Provided infrastructure construction for a retail and wholesale startup in debt settlement and loan modification services for a Law Group within a web based and paperless environment.

• Spearheaded the revitalizing of two “failing” regions by combining them into one successful operation yielding a rise in revenue and production from $4M to $28M per month, within one-year period.

• Provided strong organizational leadership and active participation in key account acquisitions and business development that produced phenomenal revenue growth from production $0 to $130M per month within 18 months of operation.

• Developed CRM system and reporting portal, customer outreach program that achieved an 83% consumer prequal contact rate, presentation and progress reporting and managed assignment to internal originators and outside lender partner relationships, execution from origination to funding.

Specializing in:

• Strategic Sales & Account Planning

• Executive Presentations

• Relationship Management

• Policy and Procedure Creation

• Business Development

• Due Diligence Reviews

• Productivity & Performance Improvement

• Financial Analysis

• Product Research & Evaluation

• Credit, Compliance and Audit

• Mortgage Loan Processing

• Mortgage Loan Servicing

• Underwriting

• Loan Due Diligence

Experienced in:

• Equal Credit Opportunity Act (Regulation “B”)

• Truth in Lending Act (Regulation Z)

• Community Reinvestment Act (CRA)

• HMDA

• Through analysis of all mortgage banking products.

• Comprehensive understanding of loan restructuring on the servicing.

• Residential Loan Reviews

Attorney and Banking Expert Witness

Having started his career as a banker, with over 35 years of experience, Mr. Hackett exhibits exceptional knowledgeable in both banking and law. His understanding of Credit and Consumer Compliance regulations is of the highest caliber. A proven leader and subject matter expert, Walter isn’t afraid to take on the most difficult challenges. His overall knowledge of banking and the legal system make him an asset to any institution in need of someone with a comprehensive knowledge of the nuances of bank regulations. His integrity and veracity come through with everything he does.

Mr. Hackett has consulted at over 1,000 US Banks throughout his career.

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Previous Experience:

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• Former First President Loan Operations

• Former Note Department Manager

• Former Operations Officer

• Licensed to practice law in California.

Specializing in:

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• Uniform Commercial Code

• Commercial and Residential Loan Processing

• Underwriting

• Due Diligence

• Equal Credit Opportunity Act (Regulation “B”)

• Truth in Lending Act (Regulation Z)

• Community Reinvestment Act (CRA)

• HMDA

• Regulation U

• California Laws (One Action Rule, Anti-Deficiency Law, Financial Elder Abuse Law)

Experienced in:

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• Bank Examinations

• Banking Law

• Commercial and Residential Loan Reviews

Mortgage Lending SME

Darlin has over 40 Years’ experience in Mortgage Banking having started her career in 1977 with First Interstate Bank. Ms. McRoyal brings an extensive background in financial services industry with emphasis in credit and lending risk management, regulatory and investor compliance, mortgage banking operations, and systems analysis.

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Darlin has one of the most comprehensive knowledge of Agency guidelines and regulations (FHA/VA/GNMA/FNMA/FHLMC, Agency/Bond/HFA, Federal/State laws) of anyone in the Mortgage Industry.

Her wealth of experience and knowledge brings great value to our clients and her leadership skills make her an asset to any project she manages.

Previous Experience:

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• Department Head responsible for consumer loans, mortgage loans and commercial business lending.

• Regulatory Compliance Manager

• Subject Matter Expert (SME) for the Department of HUD/FHA Resource Center (1-800-Call FHA)

• FHA Direct Endorsement Underwriter

Specializing in:

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• Regulatory analysis

• Compliance Operational Risk Analysis

• State Compliance and Licensing

• Federal Compliance

• Audit/Due Diligence

• Audit Preparation and Response

• Mortgage Loan Risk Analysis Review

• Quality Control; Systems analysis

• Underwriting and training

• Policies and Procedures

• Fannie Mae

• Freddie Mac

• FHA / DU / LP underwriting

• Foreclosure Reviews

• TRID / HDMA Audit

Experienced in:

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• HUD

• FHA

• VA Loans

• GNMA

• Government Underwriting

• Systems Compliance

• Flood Remediation Event Documents (FRED)

• FEMA Regulations

• Loan Appraisal Evaluations

• Secondary Market Trades

• Anti-Money Laundering Loan Reviews

Certifications:

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• FHA Direct Endorsement Underwriting Authority / Chums i815

Attorney & Mortgage Lending Subject Matter Expert

With over 25 years of banking, mortgage and investment banking in all aspects of the business including, credit management, risk management (AML assessment), quality control, origination, compliance, servicing transfers and more particularly all legal and contractual aspects of under and non-conforming assets, Leo brings a wealth of experience, expertise and knowledge to any position or assignment undertaken. Understanding the full gamut of mortgage lending as well as the particulars of the Banking Industry from origination through secondary marketing has allowed Leo to be an asset to any organization he has worked with.
 

Previous Experience:

• Former Chief Credit Officer

• Former Vice President of Loan Quality Assurance

• Former Senior Underwriter

• FDIC Approved Contractor

Specializing in:

• Mortgage Loan Processing

• Mortgage Loan Servicing

• Underwriting

• Loan Due Diligence

• Equal Credit Opportunity Act (Regulation B)

• Truth in Lending Act (Regulation Z)

• Community Reinvestment Act (CRA)

• HMDA

• Regulation C

• Through analysis of all mortgage banking products.

• Comprehensive understanding of loan restructuring on the servicing.

• Non-performing assets and creditors rights in Bankruptcy proceedings.

Experienced in:

• BSA/AML Compliance including KYC analysis.

• Banking Law

• Residential Loan Reviews