The Director of Pre-Fund Quality Assurance and Fraud Risk will have leadership responsibilities for pre-fund quality control and fraud risk within the mortgage originations business. This includes, but not limited to, creating, building, and leading a highly functioning quality assurance team to implement and maintain a comprehensive pre-fund and fraud framework that remediates operational gaps and mitigates residential mortgage lending risk. This individual will also be responsible to ensure direct reports are adhering to policies and procedures, both internally and outside mandated, ensuring tasks are completed timely and deadlines are met, as well as communicating with management to promote an environment conducive to running efficient, quality driven, and agency compliant pre-fund and fraud risk management processes.  The salary range for this role is $100,000 to $120,000 with an annual bonus; however, Bayview considers several factors when extending an offer, including but not limited to, the role and associated responsibilites, a candidate's work experience, education/training, location and key skills.  Role can be fully remote anywhere in the United States.   

• Oversee and manage day to day operations of Pre-Fund Quality Assurance and Fraud Risk teams to ensure all required deadlines are being met
• Mentor & train new and existing staff regularly, including outsourced auditors
• Monitor pipelines to ensure monthly audit goals are met
• Assist in special audit requests such as fraud, EPD, FPD, and repurchase reviews.
• Subject matter expert/risk owner for fraud tools used in the various channels to evaluate risk.
• Develop and maintain comprehensive and proactive pre-fund reviews and fraud prevention and detection strategies by leveraging data analytics.
• Continuously monitor for emerging fraud trends using real-time data, including analysis of outliers in key fraud risk metrics.
• Identify patterns and anomalies within large datasets and make appropriate recommendations to mitigate risk.
• Develop risk-based sample selection criteria to target high risk loans for review.
• Evaluate the efficacy of fraud detection and prevention tools and services through cost & fraud loss analysis.
• Staying abreast of internal process and policy changes, as well as investor, regulatory, and industry changes and continuing on-going training in the QA, mortgage, and mortgage fraud fields.
• Observing business processes to gain a strong understanding of origination workflows and systems to ensure comprehensive and meaningful pre-fund reviews are being conducted.
• Manage and maintain continuous feedback process with stakeholders, including developing monthly reports and communicating results with business leaders.
• Making recommendations for remediation on all deficiencies that are identified.
• Tracking outstanding remediation activity on an ongoing basis through internal reports and logs.
• Develop key performance indicators and review each staff member’s production and quality on a regular basis to validate quality and timely work is being completed.
• Assist in the development, documentation, and maintenance of pre-fund and fraud workflows, checklists, and procedures.
• Other duties as assigned

• Bachelor’s degree in Business Management, Finance, or related field is preferred
• Minimum 8 years of experience in Loan Operations, Underwriting, Quality Assurance, or Mortgage industry related
• Minimum 5 years of experience in fraud prevention
• Minimum 3 years of people management experience preferred
• Strong mortgage compliance knowledge, including both state and federal regulations.
• Strong working knowledge of Encompass, ACES, MS Office, Business Objects
• Strong interpersonal, verbal, and written communication skills
• Excellent leadership, customer relations, and interpersonal skills are required, as well as the ability to mentor, coach, and effectively transfer expertise to others
• Strong planning and organizational skills are required with the ability to multi-task and prioritize in the context of achieving long-term strategic goals.
• Strong analytical skills, including the ability to transform raw data into structured information to gain insights and identify the drivers of defects and fraud.
• Strong problem solving and decision-making skills.
• Ability to establish and maintain strong working relationships with both internal and external stakeholders, including origination staff such as Processing, Underwriting, and Closing, investors such as Freddie Mac and Fannie Mae, and other departments such as Internal Audit and Compliance.
• Ability to operate in a fast-paced, dynamic environment and adapt quickly to changing priorities and business needs, as well as work effectively with minimal supervision.

Certifications, Licenses, and/or Registration

• HUD DE/VA LAPP approval preferred

Physical Demands and Work Environment

While performing the duties of this job, the employee is regularly required to sit and use hands to handle, touch or feel objects, tools, or controls.  The employee frequently is required to talk and hear.  The noise level in the work environment is usually moderate.  The employee is occasionally required to stand; walk; reach with hands and arms.  The employee is rarely required to stoop, kneel, crouch, or crawl.  The employee must regularly lift and/or move up to 10 pounds.  Specific vision abilities required by this job include close vision, color vision, and the ability to adjust focus.

EEOC

Lakeview is an Equal Employment Opportunity employer.  All aspects of consideration for employment and employment with the Company are governed on the basis of merit, competence and qualifications without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, or any other category protected by federal, state, or local law.