1. Debbie Wolford
25 Lincoln Ave S., St Petersburg, FL 33711
813-240-0226
DAWolford@Gmail.com
Cross-functional professional with a diverse background that combines project management/leadershi p,
quality assurance, research, writing, problem solving, analytical skills, with technical and business
improvement capabilities. Proven track record of delivering solutions, that improve IT and business operations
efficiency. Possess cross-cultural experience, having worked with offshore teams in multiple capacities
including process modeling, training, development, testing, defect management and manual publications .
Additional areas of expertise include:
Global Transformation  Offshore Leadership  Standard Ops Procedures  Global System Integrations 
Business Process Modeling  Project Management/Leadership  SME/Technical Leadership  Defect
Management  Business Intelligence  Business/Data/Systems Analysis/Configuration Tech Training  Joint
Application Development  Compliance/Legal  State/Agency Regulation Information Security 
Research/Writing  Testing/Quality Assurance  Migrations/New Designs/Redesigns
PROJECT MANAGEMENT AND TE CHNICAL SKILLS
 MS Office, MS Project, Visio, PowerPoint, SharePoint, Read and understand SQL, HP Quality Center/Test
Director/ALM, Citrix, VPN, Webex, Genesys
 Reporting, Analysis, Dashboards, Data Mapping, Data Normalization, Imaging, E-Boarding,
Rules/Decision Engine, Algorithms, Cross Application and Third Party Interfacing, Manual and Glossary
publications, BRD, FDS, MDD, Test Plan, Test Cases, Project Plans, Dashboards
 SDLC Methodologies include Waterfall, RUP, Agile, Use Cases, Cross Project Inter-Dependency Tracking
 Empower .NET, Empower Client Server, ASTRA, Bancs, Secore, Billing Systems, Client Mgmt Systems,
Reporting Systems, iLoan, LoanXchange, DecisionXChange, MortgageFlex, LoanStar, Max Lien Release,
Max Foreclosure, Fiserv, MortgageServ, Flamingo/Boarding, Mavent, Loan Prospector, ComplianceEase,
Interthinx, Lydian, VisiSystems, DU, MISMO, VMP, Commerce Velocity, Pilot/Co-Pilot, MLS/T-III, Core-
Logic, Fair Isaac/Blaze
 Global Banking - N America, LATAM, EMEA - Securities, Transactions, Corp Actions, Client Services,
Custody, Settlements, Billing
 Mortgage-More than 20 years combining Retail, Wholesale, Correspondent Lending with a business line
and technical background in Secondary Due Diligence, Secondary Marketing, Underwriting, Loan
Processing, Originating, Closing, Post Closing and Exception Processing. Compliance/Legal such as SOX,
Gramm Leach Bliley/Info Sec • State/Agency Regulation
CAREER TRACK
D.A. Wolford Inc – Independent Contractor providing expertise in Project Management, Business Analyst,
Testing Roles and Business Practices Aug 2008 thru Present
CONTRACT WITH CITIZENS BANK, via ADS -Started Sep 2013 –PRESENT: (MULTIPLE EXTENSIONS)
 BSA – 100% Remote - VPN
 Empower Client Server and .NET Upgrades, Client Server Decommission, CFPB/Mortgage Reform
Implementations, RESPA/TILA, ULDD, Rebranding
 Projects include Retail Mortgage Lending, Originations, Processing, Quality Review, Underwriting, Closing,
Secondary Marketing, ,Post Closing and Investor
 Responsible for creating/FDS, Configurations, Expression Building, XML promotion exports and SIT/UAT
Defect Triage related to: ATR/QM Regulatory Thresholds, HMDA, Construction/Construction Perm
requirements, Lender Paid MI, HELOAN/HELOC, Bond, State, COOP, Buydown, Appraisal, Internal and
Third Party Interface data mapping, Custom e-form document mapping, Loan Conditions, Fees, Geo/Zip
Codes, NPPI/SSN Overlay, Major Events Defect triage(SIT and UAT), XML environment promotions, Smoke
and Unit testing, multiple other misc assignments including preparation of training material for new team
resources
 Work independently and team environments with BSA’s, Developers, Testers, Vendors, Ambassadors
 HP/ALM, SharePoint, Empower, PlanView

2.  Water Fall / Agile Methodologies
CONTRACT WITH CITIGROUP, via Sapient and Open Systems -Started as 6 mo contract- MAY 2009 – JAN 31, 2013:
 Pool Analyst, global banking environment. Provide leadership roles including Project Management,
Business Analytical and Testing roles.
 Global Transformation - Lead offshore team and Operations in developing Standard Operating Procures ,
training documentation and business process workflows in an effort to transition specific skill sets to
offshore lower base cost centers. Created Charter and worked with Compliance and Legal for reviews of
processes and requirements based on geographic regions. Coordinated communications between H.R.,
Product/Client Execs, Ops Mgrs, SME’s, Technology, Compliance, Legal, Project Managers for both on and
offshore. Deliver daily reporting to global and operations management.
 Lead role in requirement gathering, use case analysis, testing and defect management for a global
integration project that will result in improved client performance and satisfy investor relations world-wide.
Participated in gathering requirements and creating use cases for client services and reporting.
 Leadership management of offshore teams in test case/plan creation, defect management, functional
requirements, user and training manuals.
 Work with on-shore and offshore developers to deliver solutions for Billing, Reporting, Custody,
Settlements, Client Services, Corp Actions and Tax teams. FRD’s, BRD’s, Testing, daily reporting to
stakeholders.
 Delivered standard Defect Management solutions that were implemented across platforms
CONTRACT WITH RAYMOND JAMES & ASSOC, via Criterion Executive Search - Aug 2008 – Feb 2009:
 Short term assignment-defined requirements for client impacted Fee Waivers project. Worked with
product, marketing, project mgmt,, developers, architects, analysts and testers to implement changes based
on compliance, regulations and economic forecasting.
 Team effort ensured modeling processes that would meet the needs for multiple projects delivering
together. Lead UAT schedule, participation and defect mgmt.
FTE AT GOLDMAN SACHS/AVELO/ARCHON ASSOCIATE/BUSINESS ANALYST - Oct 2006 to Aug 2008:
 Teamed with business development managers to produce new technology offerings that would improve
counterparty mgmt, client deliveries, pricing mgmt, risk control, fraud, property valuations, and product
due diligence.
 Managed project scope and timelines, researched private and public sector opportunities, consulted on
industry standard practices, agency regulatory requirements, analyzed vendor system gaps, and attended
client meetings and proposal sessions.
 Focused on salability, Wall-Crossing Compliance, InfoSec, agency data requirements, business process
improvement and risk management including SOX. Provided leadership to teams of 30 people or more, to
deliver client web site. Moderate travel was required
 Researched and recommended a solution for Correspondent Due Diligence application which allowed the
company to meet stricter requirements.
 Provided requirements, tested and lead UAT for client website that allowed for bulk, flow pools and
mandatory block registrations, pricing, and buy/sell maintenance that relieved the company of third party
constraints.
 Attended client sites in order to provide training
 Worked with teams to analyze vendor systems and implement solutions that would reduce risk in loan
purchase and reduce potential repurchases, as well as to strengthen relations with investors.
 Analyzed agency data requirements, provided data normalization solutions for cross platform projects
CONTRACT WITH - NATIONAL CITY MORTGAGE, Business Analyst via Visionet Systems, Inc- Dec 2004 to Sep 2006:
 Worked with teams of business analysts, developers, architects, and stakeholders to implement a highly
complex Correspondent and Wholesale lending platform. 6 month contract resulted in a 2 year term
extension. 100% travel, voluntary termination due to travel
 Provided process requirements and data design solutions for framework model while simultaneously
providing recommendations back to the vendor to improve their application based on industry standard
processes, investor requirements and algorithms.
 Consulted client and vendor during re-architecture moving from a Client/Server application to .Net
technology that resulted in simple and compliant processes.

3.  Provided required white board concepts, strong documentation requirements, detailed designs and
facilitated meetings with SME’s
 Provided recommendations on SDLC processes to implement complex procedures for change order
processes, inter-dependency tracking, requirement templates, major decisions and issue tracking, test plan
templates, facilitated session procedures and formal approval processes. Created documentation
templates for scope, requirements, and conceptual design that are still in use.
HSBC, Business Analyst- June 2003 to Nov 2004:
 Managed project scope, timelines and teams of analysts, testers, developers, and users while reporting to
project stakeholders.
 Identified regulatory and compliance issues. Recommended solutions for mortgage due diligence,
servicing, boarding, consumer finance software and associated interfaces.
 Throughout the software development lifecycle, created business/functional requirements, tested
software fixes, followed up with users, and examined effects of projects on daily business operations.
Provided requirements and testing of data for projects affecting over 30,000 customers, resulting in
portfolio retention. Other special projects resulted in improving customer service and saving the company
loss of revenue due to error.
 Worked with internal development teams and SME’s, to provide mortgage and consumer loan front-end
software solutions to operations. Identified reoccurring issues and errors, documented requirements to
transmit to the developers. Maintained communication with client and programmers during development,
created test scripts, test plans, tested deliveries and lead teams of quality assurance analysts throughout
unit, functional, regression, performance and UAT phases, inclusive of defect reporting.
 Lead UAT and end to end testing schedules that included multiple users/departments, third party vendors,
quality assurance, developers, and stakeholders.
 Worked with compliance teams to implement new state and federal regulations.
Fidelity Information Services/Alltel/Mynd/Cybertek/PMSC, Business Analyst- Sept 1999 to Jun 2003:
 Provided conversion and upgrade services as well as new client installs. Worked with a team of 10 people
for successful installation of Correspondent, Wholesale and Retail mortgage lending platforms for a
National Web based lender and investor. Was requested to return for client upgrade by client President
based on prior successes, product/business process knowledge, and demeanor with the business.
 Worked with team to build model install database that resulted in industry standard processes and
simple client data installs with minor modification requests. Would use SQL + to query, update, load and
dump data.
 Researched and resolved operational issues for Retail and Wholesale dept of current client, major bank.
Consulted on procedures, offered one-on-one training to production personnel to resolve non-development
issues.
 Researched and resolved internal issues for client regarding Lien Release backlogs. Worked with task
force to bring client to compliance standards.
 100% travel required
References Upon Request