Dmonty Roxy Joseph

• Collaborated with cross-functional engagement teams to deliver quality assurance, quality control, and continuous
improvement support, ensuring seamless project delivery and 100% compliance with client requirements.
• Reviewed and analysed Statement of Work (SOW) guidelines for each independent Line of Business (LOB) to align quality
frameworks with contractual SLA targets.
• Implemented FMEA-driven design changes and process controls using Six Sigma methodology, decreasing failure rates
and identifying structural bottlenecks.
• Audited Standard Operating Procedures (SOPs) across mortgage on boarding and escrow processing, achieving 100%
alignment with regulatory standards and zero procedural deviations.
• Deployed interactive Power BI dashboards for executive reporting, accelerating risk and operational metric insight
delivery by 30%.
• Engineered root cause analysis models on recurring operational defects and facilitated calibration sessions to
continuously uplift team accuracy metrics.

• Executed risk-based audits for Accounts Receivable Management and Account Servicing business units to ensure compliance with internal CRM workflows and corporate financial protocols.
• Tested preventive controls (system access, pre-approvals) and detective controls (account reconciliations, variance
monitoring) to identify control gaps and operational vulnerabilities.
• Designed and performed internal audits anchored in FDCPA, CFPB guidelines, Regulation E, and Regulation Z, and assessed ICFR in alignment with SOX Section 404 standards.
• Orchestrated annual organizational risk assessments using a structured Risk Matrix to prioritize high-risk areas across HR, IT, Facilities, and Operations.
• Chaired briefings to present operational risks and audit findings to Senior Management, securing executive alignment on mitigation strategies.
• Steered and mentored a team of 5 auditors, boosting departmental productivity by modernizing legacy audit
frameworks.

• Supervised daily operations for a team of 19 loan processing agents, optimizing task delegation to balance workloads and maximize pipeline efficiency.
• Compiled and published daily, weekly, and monthly production reports for senior management and clients to evaluate throughput and SLA status.
• Evaluated staff performance and delivered targeted coaching sessions, driving measurable growth in individual output quality.
• Audited high-volume loan documentation pipelines, verifying complex calculations to eliminate processing errors prior to underwriter submission.

• Assessed the information to determine the accuracy and authenticity of the documents received.
• Verified and validated post-closing documents for client.
• Contacted through calls and emails with the Title companies with regular follow-ups in case of non-availability of documents in client imaging system.
• Managed a high-volume queue of approximately 100 emails daily to verify the accuracy of closing loan documentation.
• Researched the title company contact information for the document.
• Conducted in-depth competitor analysis to identify opportunities for growth and expansion within the industry landscape.

• Analysed complex mortgage loan applications for modification, validating accuracy and eligibility while ensuring
compliance with internal policies and regulatory guidelines.
• Calculated borrower income through detailed tax return and financial document analysis, producing abridged summaries of financial findings.
• Utilized the 4 Cs framework (Credit, Capacity, Collateral and Capital) to perform underwriting assessments and evaluate risk exposure.
• Leveraged knowledge of federal loan programs and secondary market underwriting guidelines to structure sustainable workout alternatives.