Other Professional Experience 

Design/Art Direction (2008-2018)

After graduating from ArtCenter College of Design in 2011 I became a Freelance Art Director/Writer. Unknowingly this would result in my trajectory toward entrepreneurship as the landscape of art and design was rapidly becoming more interactive. Over the years, I was afforded the opportunity to work at some pretty incredible shops, i.e.: Crispin Porter Bogusky (CP+B) Miami, Wong Doody, and MoDop. I learn most about myself, my workflow as an independent contractor, and working in a high stress, results-driven team environment. 

Below are a few projects which I enjoyed working on:

Mortgage Banking (2001-2007)

Overview: 2003 - 2007

2007: Investigator II - Corporate 

• Conducted thorough investigations with regard to internal and external breaches of sensitive customer information, conducted suspect interviews, recommended a further course of action to prevent any future information breaches, and suggested legal action against the suspect parties.

• Provided investigative write-ups with regard to high profile internal investigations and presented these findings to the corresponding division to mitigate loss, recommended legal action, and filed a federal suspicious activity report (SAR).

• Investigated and identified fraudulent activity within the pre-funded and funded Countrywide pipeline and recommend a preventative courses of action.

• Recommended divisional action and worked with Legal/Workout/Home Retention with regard to assisting borrowers who are victims of third party fraudulent activity.

• Initiated/Participated – Corrective Action Plan #1032 – Identified event history errors in lead referral applications (AdvantEDGE to Statusmart) that resulted in the misidentification of employees of interest during pending fraud investigations.

• Bi-Weekly Participant – Current Underwriting Risk Issues Meeting – April 2007 to Sept 2007

• Proposed a Fraud Prevention Solution for excessive seller concessions – Application initiated in August 2007 – Countrywide Correspondent Lending Division 

• Presented two cases of fraud (check and wire) to the United States Secret Service – Los Angeles Division for further investigation – June 2007.

2006: Underwriter II – National Accounts 

• Provided a thorough review of broker loan submissions while adjusting rate & determining the correct product which meets the needs of the borrower (Prime, Alt-A, Sub-Prime & Equity products offered.)

• Delegated loan authority of $500,000 on all purchase and refinance transactions 

• Conditioned accordingly for both Wet/Dry funding states to satisfy state requirements

2006: Underwriter I – Sub-Prime

• Provided 2nd review of Prior to Purchase loans to assess pending conditions and verify previous underwriting calculations to ensure accuracy and proper grading.

• Additional duties were pending when I departed.

• Loan Authority was pending when I departed.

2003 - 2005: Underwriter I – Equity

• Provided a full underwriting review of a minimum of ten/twelve Pre-Purchase/Closed loans a day.

• Reviewed qualifying ratios & overall integrity of accounts & recommend for approval or decline. 

• Determined rule violating activity & recommend for Senior Management Approval.

• Loan Authority: $100,000