Umesh Maurya

• Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
• Approval or denial of cases as per AML regulatory/financial Guidelines to prevent financial frauds.
• Fraud & Risk investigation on basis of CDD and EDD as per third party fraud search reports, credit reports, OFAC, SDN database
• Reviewing customer's accounts for RED flags or Fraud alerts, to prevent money laundering and financial losses to financial institutes and customer
• Reviewing & analyzing transactions pattern related to gambling/Cryptocurrency, fast in fast out, quick money movements, and keeping close tab on suspicious transactions to monitor different stages of Money laundering- Staging, Layering and Integration
• Transactions Monitoring & keeping track records of STR (Suspicious Transaction Reporting)/UAR (Unusual Activity Reporting), escalating the account to RBI/FIU department for further review
• Screening KYC (SSN, Passport, DL, National IDs) documents, Reviewing & assessing Income & Financial documents-Pay stub/W2/WVOE/Tax documents, Invoices, Asset documents (bank statements/Investments/Mutual funds/Dividend/gift letter/401k and IRA/Award letters) & mortgage documents, transfer of deeds, Property inheritance Will, Child support, divorce decree and other documents to calculate annual income of the customer and request the customer to provide justification of his expenses and supporting documents as SOF
• Analyzing KYC related information and facial recognition of customers to ensure account belongs to customer also checking for customers lookalike accounts for duplicate accounts, reviewing customers associates for money transfers/residence/ device location, top-up accounts and duplicate accounts as part of red flag/money laundering screening
• Reviewing customers account related to PEP (Politically exposed personal)/Sanction screening
• Reviewing Credit history for high risk customers, credit scores, ongoing debt and credit inquiries thru Credit reports received from three main credit bureaus: Experian, Equifax and Trans Union
• Post detection of fraudulent facts filing SAR report within 30 calendar days subject to regulations of Bank/financial institute.

• Processing Mortgage underwriting due diligence in regards to Credit and Income of b/w on basis of 4Cs utilizing AUS or FNMA/Lender Guidelines. Knowledge of 4Cs (Credit, Capacity, Capital and Collateral).
• Calculating qualifying income of borrower on basis of different pay structures (hourly, weekly, biweekly, semi-monthly and monthly.
• Evaluating financial, risk and repayment capacity of borrowers to determine HTI, DTI ratios, LTV, CLTV & High LTV.
• Fraud & Risk assessment on basis of third-party fraud search reports, OFAC, Title report, SDN database, Nationwide Mortgage Licensing System (NMLS) database.
• Reviewing loans for RED flags or Fraud alerts to prevent financial losses to financial institutes and customer.
• Reviewing KYC documents (SSN, Passport, DL and National Ids). Reviewing & assessing Income & Financial documents -1003/Pay stub/W2/WVOE/Tax documents 1040, bank statements/Investments/Mutual funds/Dividend/gift letter/401k and IRA/Award letters) & Collateral documents (Appraisal report and Title document), Business tax returns.
• Indexing of Documents and reviewing mortgage documents, Loan agreements, NOTE, Sale Deed/agreement, Deed of Trust and validating loan terms on basis of FNMA/lender guideline.
• Cashflow analysis and Income Validation for Self-Employed/Rental Income borrower thru different business Tax documents.
• Reviewing borrowers Credit worthiness, credit scores and credit enquiries thru Credit reports received from three main credit bureaus: Experian, Equifax and TransUnion.
• Worked on FHA, VA, USDA, Conventional, Jumbo loans, FNMA, FHLMC, GNMA, GSE/Non GSE loans.

• Knowledge of 4Cs (Credit, Capacity, Collateral, Capital).
• Working on loan decisions approval or denial of Conventional/FHA/VA/USDA loans as per AUS/FNMA guidelines & raising conditions to onshore team regarding different underwriting requirements.
• Reviewing income & others documents like-1003/Paystub/W2/WVOE/Tax documents 1040s, Asset documents (bank statements/gift letter), Appraisal and Title document.
• Income calculation for salaried, self-employed businesses, Rental income, Retirements & award letter incomes, FNMA Cash flow analysis.
• Credit analysis to evaluate borrower's worthiness regarding Mortgage loans approval on basis Credit reports received from three main credit bureaus: Experian, Equifax and TransUnion.
• Fraud & Risk investigation on basis of CDD and EDD as per third party fraud search reports, OFAC, Title report, SDN database, Nationwide Mortgage Licensing System (NMLS) database.
• Reviewing loans for RED flags or Fraud alerts.
• Risk assessment, income /credit analysis and documentation review, Indexing and Validation. Commended for timely and accurate completion of compliant loan package facilitating volume growth while preserving book of business quality.
• Ensured loan submittals met internal and external eligibility requirements as per FNMA guidelines. Gained extensive experience working on Conventional/FHA/VA loans.
• Maintained meticulous attention to details in underwriting mortgage. Evaluated the financial, risk and repayment capacity of borrowers to determine DTI ratios, LTV, CLTV & High LTV.
• Preparing RMA package, Calculating Title settlement fee, Reviewing LEs/CDs. and also worked on Reversed mortgage loans.
• Leveraged knowledge of loan products to help restructure turned down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements.

• Demonstrated excellent follow up-through with borrowers, loan processors, loan originators and management throughout all phases of underwriting process
• Reviewing the loans for RED flags or Fraud alerts & push these loans to Investigation team
• Maintained meticulous attention to details in underwriting mortgage
• Evaluated the financial, risk and repayment capacity of borrowers to determine DTI ratios, LTV, CLTV & High LTV
• Setting up new on-boarding loans terms into systems, Restructuring loans, Adhoc projects, Loan mod agreement QC, QC control reports (transaction report, payment tracking report), FB module/PTPM, UAT testing's, pipeline loans
• Reconciliation of loan modification terms by running amortization & rectify the loan approval related issues regarding Principal balance, escrow, monthly payments, interest as per investor reporting & accounting norms
• Data sampling and analysis to resolute investor accounting and investor relations queries related to loan correction w.r.t
• HSSN escalations as FNMA Reporting, deferred principal balance, Curtailment, NDD, PITI, Pending changes, escrow etc
• Review of loans for bankruptcy court approval on US government bankruptcy website for motion to grant loan modification
• Handling customer queries and escalations related to account, due date, principal balance, monthly payment, interest rate etc
• Resolution to escalations mails, loan related inquiries received from management, research, bankruptcy team customer care and customers, FNMA reporting team/ Investor accounting/relations team/Bankruptcy
• Reporting to management as per business requirement, handling conference/escalation calls with different BU, SharePoint reporting

• Making welcome calls to customers regarding account opening feedback and loan processing experience
• Preparing welcome kit for Home Loan Customers which includes FAL copy
• Capturing customer/document KYC details of fresh disbursed home loan cases in PDD package
• Updating Exchange & Post PDD documents in PDD package received from customers
• Handling customer’s queries regarding property document via Branches, Letters, RMS, Mails and Feedbacks
• Supervising file retrieval desk wherein files were stored in Vendor premises
• Maintaining TAT with Vendor, Requestors of retrieval process & welcome Kit customers
• Handling Escalation emails & Reporting to management
• Processing Chargeback transactions for customers holding credit card accounts.

• Reason for leaving-Studies)
• Handling customer queries on calls related to CASA, Debit card/Credit Card, Loans and payments, bills, ATM transactions disputes, Cheque following thru three important qualities of customer service “p” s: professionalism, patience, and “people-first” attitude
• Cross selling CASA, PL, HL, CC and Maintaining customer records by updating account information on Finacle/Oracle
• Resolving product or service-related problems by clarifying customer’s complaint, determining cause of problem, selecting and explaining best solution to resolve problem, expediting account correction or adjustment, and following up to ensure resolution.