Sean Reilly1115 E Amelia Dr. ■ Bixby Knolls, CA 90807 ■ 562.618.1494 c ■ SeanMReilly@me.com

Senior-Level Manager with 30+ years of experience in residential, commercial loan servicing, collections, foreclosure, bankruptcy, home retention and quality assurance, business controls. Operational Risk - Compliance - BSA - CRA - HMDA - CRCM - Bank Regulatory Compliance - ICB Regulatory Compliance. Creates policy, procedures, and processes to ensure efficiency and effectiveness. De-velops high-performing departments and teams from the ground up to exceed corporate goals. Expertise Encompasses: Policy/Procedure Development ■ Software / Vendor Implementations ■ Office Loan Administration ■ Project Management ■ Training/Development ■ Operational Risk ■ Metrics Design/De-velopment ■ Bank Regulatory/Statutory Compliance/BSA/CRA/HMDA/CRCM ■ Operations/Processing/Origi-nating/Servicing/Underwriting ■ A/Alt-A/Prime/Sub-Prime/HELOC/Construction/Commercial Loans ■ Collec-tions/Foreclosure/Bankruptcy ■ Servicing Mortgage Backed Securities – Regulation AB Compliance ■ Business Controls / Issue Remediation ■ Preparing Servicing Shops for as Special/ Master /Sub-Servicer AA- Ratings

Achievements:Created Home Retention Groups for 4 institutions, inclusive of lending compliance, software interface, testing and implementation providing, metrics, overall timeline, strict adherence with policies and procedures and docu-ment creation. Streamlined lines of communication between foreclosure, bankruptcy and REO departments, in-cluding short sales and liquidation of asset if required. Improved employee efficiency and productivity through software, hardware, and network upgrades from vendor review, cost benefit analysis, implementation and vendor report card deployment.

Career ProfileAVP - Sr. Business Control Specialist, BANK OF AMERICA, MAY 2012 - PresentManage a staff of 7 over Issue Intake and Remediation for Specialty Servicing Division under Global Technology & Operations. Develop and Create Reporting to Sr. Management to the successful completion of issues following the Risk Framework, mitigating and debating risks where possible. Direct engagement with Audit, Risk & Com-pliance partners to successfully close all issues in the Specialty Servicing arena. Previously Created, Designed and Implemented an internal testing review and attestation process and reporting of all QA,QC, Compliance or External testing. Developed the procedures and a tracking SharePoint Site to manage the intake process; then successfully handed that team over to the QA team.

Barista, STARBUCK’S CORPORATION, OCT 2008 - MAY 2012Coffee Master/Barista, creating hand crafted hot and cold beverages, engaging customers ensuring customer re-tention. Point of Sale, food preparation and display, interpersonal relationship building with new and existing customers introducing & helping customers discover beverages for their life and events in their life.

VP-Loan Service Manager, BANK OF MANHATTAN, NA DEC 2007 - OCT 2008

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Designed, developed and managed the loan operations & servicing departments with oversight over 1 loan docu-mentation service specialist. Created, implemented and managed policies and procedures, exception reporting, management reporting, post funding audit/underwriting with lending compliance as basis, Loan Review for acqui-sition, sale and internal control and oversight, oversaw integration of interface to servicing platform, created wel-come letter service focused ideology for customer retention. Trained and mentored three sales & ‘C’ level execu-tive staff, automated processes and outsourced where needed, increasing efficiencies. ■ Increased loan portfolio 125%, decreased potential for default by introduction of Welcome Call and Letter campaign. Prepared bank for external audit and Office of the Comptroller rating of Satisfactory prior to 1st. anniversary.

Consultant, EAG CONSULTING, LLC JAN 2007 – AUG 2007Assessed, developed and managed content for policy procedure re-write for very large institution. Provided over-sight, advisement and guidance in selection of new servicing systems, and integration and training inclusive of statutory and federal regulatory lending compliance. Managed a team of 35 consultants and provided continuity of content to successful completion of the project. Assisted with creation and implementation of exception report-ing, management reporting and successful conversion (phase I) to new servicing platform. ■ Created new system wide policy & procedures providing greater awareness and oversight. ■ Conducted loan file reviews to assess un-derwriting and quality of loans.

VP-Loan Service Manager, QUALITY HOME LOANS DEC 2005 - OCT 2006Assembled, developed and managed the loan servicing department with 25 loan service specialists. Created, im-plemented and managed policies and procedures, conducted loan level reviews both post funding, life of loan and post payoffs, created audit and underwriting exception reporting, management reporting, managed conversion to new servicing platform, created Home Retention Group. Managed loan lending compliance aspects for lending operations and servicing. Trained and mentored three supervisory staff, automated processes with outsourcing im-plemented reducing budget. ■ Increased home retention by the creation of a welcome call program, and Home Retention Group providing op-tions, decreasing foreclosure rate by 68%.■ Assisted with preparing servicing department to be reviewed by Fitch, Moody’s and S&P rating of Special Loan Servicer / with eventual goal of Master Servicer AA-.

Manager–Quality Assurance, AMC MORT. CORP.- (AMERIQUEST SERVICING DIVISION) MAR 2003 - JUL 2005Developed and directed the quality assurance department with twenty (20) personnel performing audits of all in-ternal and external business units of the loan servicing, cash management and default servicing divisions. Created and managed exception reporting, including monthly attestation and action plans; addressed risk issues and col-laborated with business units on risk mitigation. Home Retention Group created as a direct result of collabora-tions. Reviewed policies and procedures for completeness and adherence to federal, state, and company guide-lines. Secured Sarbanes-Oxley lending compliance within all three divisions. Conducted 10% sampling of loan portfolios to assess quality, guideline adherence and payment cycle predetermination analysis providing assis-tance to collections, foreclosure, Home Retention and bankruptcy departments.

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■ Discovered $1.6B in non-refunded overages from asset acquisition to sale. ■ Increased the efficiency of metrics-driven management reports 80%+.

Director–Loan Servicing Compliance, NEW CENTURY MORTGAGE CORPORATION OCT 2002 - MAR 2003Assembled and administered a seven-person department, conducting lending compliance audits for each loan ser-vicing business unit. Coordinated review summaries and recommendations and conducted follow-ups. Delivered training and tests for each unit to secure regulatory and statutory adherence. Audited customer service and collec-tions calls for statutory and regulatory compliance; provided feedback through escalation and training. Conducted specialized field audits confirming underwriting guideline compliance ■ Identified and resolved 65% FDCPA violations through training modifications.Improved audit effectiveness 78% by producing new training materials.

EVP / Loan Service Manager, QUAKER CITY BANK FEB 2001- JUL 2002Managed a team of 47 loan service specialists, 3 supervisors spanning 12 departments. Coordinated the purchase servicing and release of residential and commercial loans with the capital markets group via due diligence audits and quality assurance audits in concert with Capital Markets Group all under the oversight of lending compliance. Managed the consumer and commercial lines, collections, renewal and credit increase review. Produced monthly portfolio metrics, delinquency, bankruptcy, loss mitigation, compliance to underwriting guidelines, payoffs, and released loans. Created early intervention department to assist borrower in retaining home, modifications, forbear-ance and short sale as options. Co-chaired the loan service committee for the Loan Service Managers Conference for the western division.■ Increased the payoff to reconveyance release ratio 75%.■ Reduced the delinquency ratio from 6% to 0.67%.

VP / Loan Service Manager, MALAGA BANK OCT 1990 – FEB 2001Managed five loan servicing specialists with oversight over origination, cashiering, payoff, delinquency, foreclo-sure, bankruptcy, modification/forbearance and REO. Coordinated cross selling of products and services with savings department. Managed consumer and commercial lines of credit. Established loss mitigation policy and procedures and negotiated forbearance agreements to accommodate customers. Conducted annual loan review and due diligence to relative assure quality of loan portfolio to Board of Directors ensuring lending compliance and oversight in accordance state and federal regulatory laws.■ Decreased loan delinquencies to less than 1% of the total loan portfolio.■ Increased customer retention and refinance opportunities 50%.

AVP / Customer Service Manager, GUARDIAN FEDERAL SAVINGS, FSB SEP 1986 - OCT 1990Supervised 350+ loan servicing specialists in post-origination, cashiering, payoff, delinquency, ARM’s, bank-ruptcy, foreclosure, and REO. Coordinated the cross-selling of savings products. Assisted Resolution Trust Cor-poration (RTC) from conservatorship through final resolution of the bank. Established Loan Modification policy and procedures and negotiated forbearance agreements to accommodate customers who were taken advantage by

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the previous management of the institution. Established loan review program for all aspects of loan life cycle, due diligence for acquisition/sale, final loan payoff review. Assisted with the transition of staff as operations be-gan to close down.■ Decreased loan delinquencies to less than 4.3% of the total loan portfolio.■ Increased customer home ownership retention by establishing best practices for the processing of collections, foreclosure and bankruptcies, and refinance opportunities 67%.

CredentialsBachelor of Arts–Liberal Studies, CALIFORNIA STATE UNIVERSITY - LONG BEACH Notary Public ACA Certified –ProctorAffiliations: MORTGAGE BANKERS ASSOCIATION (MBA)

INTERNATIONAL COMMUNITY BANKERS ASSOCIATION (ICBA)CALIFORNIA MORTGAGE BANKERS ASSOCIATION (CMBA)NATIONAL NOTARY ASSOCIATION (NNA)