1. NICK G. DEPANFILIS, MPA, CLA
3400 Custer Road, #1055 www.linkedin.com/in/nnickdepanfilis Phone: (214) 697-5100
Plano, TX 75023 Email: nickdepanfilis@yahoo.com
FINANCIAL OPERATIO NS PRO FESSIO NAL
COMPLI ANCE │ MORTGAGE LENDI NG │ REO
Seasoned, well qualified financial operations professional with a broad range of financial experience to drive
business profitability, cost reductions, process improvements, and regulatory compliance to meet all company
and government requirements. Expertise in mortgage lending, compliance management, loan servicing, credit
risk management and program management, all supported by comprehensive legal experience to guide
effective decisions. Highly skilled in designing and implementing programs to increase efficiency and
production. Excellent communication, analytical, and problem-solving skills. Certified Legal Assistant.
AREAS OF EXPERTISE
 Regulatory Compliance
 Financial Analysis, Reporting
 Asset Recovery
 Legal Jurisprudence
 REO Process
 Finance Operations
 Policies & Procedures
 Litigation
 Program Design, Management
 Eviction Process
 Vendor Management
 Skilled Negotiations
 Process Improvements
 Bankruptcy Proceedings
 Title Curative
PROFESSIONAL QUALIFICATIONS
 Adept at identifying areas for improvement and formulating effective solutions.
 Resourceful asset recovery specialist with an outstanding record of success in reducing credit risk
management.
 Extensive legal experience to ensure thorough compliance and manage legal processes and
procedures.
 Skilled problem solver and effective performer in high-pressure environments with exceptional
follow-through to successfulconclusions.
 Outstanding presentation, reporting, analysis, and communication skills.
PROFESSIONAL EXPERIENCE
CARRINGTON; HUDSON MARSHALL; etc.
Private Contractor May 2016 - Present
Provide various marketing, legal research,appraisal review, selection of marketing photos, bankruptcy law
review and process updating services for various companies.
 Utilized industry professional platforms including LPS, Banko, Pacer,ALS400, Salesforce,
Safeguard, and Rams. Companies worked for included Carrington and Hudson and Marshall.
NATIONSTAR MORTGAGE,Irving TX
Senior Compliance Specialist Feb. 2015 - May 2016
Designed and implemented highly effective Training Compliance Program. Developed procedures and
guidelines for 11 company Divisions of Nationstar to meet compliance requirements of SCRA, HMDA,
FCRA, ECOA,FDCPA,FHA,GLB, TILA, The Safe Act,and UDAAP laws as enforced by CFPB. Created
exception reports for 11 Divisions of Nationstar.
 Developed Exception Reports of Issues Management on Archer based Program to review CFPB
Issues impacting Nationstar.
 Monitored company Notary Public qualifications, audited foreclosure documents, reviewed GEO
code issues, helped draft Nationstar Elder Abuse Policy and audited Servicing polices to ensure
Freddie/Fannie/HUD guidelines were being followed.
 Completed 50 state reviews of severalissues for Servicing to ensure no laws had changed including
state mediation and payoff refunds.
 Managed requested special projects for upper management.

2. NI C K G. DEP A N FI L I S , M P A, CLA, P A G E 2
BANK ofAMERICA,fka COUNTRYWIDE HOME LOANS,Addison, TX 2008 - 2015
MLO & Senior Loan Servicing Specialist III
Convention Claims Analyst June 2014 – Feb. 2015
Claims analyst for REO loans. Prepared gain/loss reports for internal and external investors.
Reconciled expenses in line item accounts for internal and external investors. Filed claims.
Senior REO PreMarketer January 2011 – June 2014
Senior Leader on a team of REO Premarketers. Responded to 10 plus investors and handled Aged and
Escalated Cases,Reverse Mortgages,Helocs, Rural Housing and Special Investor Loans during the entire
premarketing process.
 Managed a team of attorneys providing direction, mentoring and support in the resolution of REO
cases utilizing Cash for Keys,Litigation and Evictions, mortgagor payoffs and other legal methods.
 Developed a more streamlined approach to severalprocesses within the REO department and alerted
management when processes in place could expose the company to legal liability and made
suggestions to correct those processes.
 Developed Vendor Management Program. Worked with agents, auction companies, asset managers,
preservation companies and other internal and external actors in reviewing external company
processes to consider, research,and in some cases,help implement and audit other methods of
disposition of REO properties including short sales, auctions, tenant purchases,redemptions and
donations. Audited vendor internal practices to ensure compliance with BOA polices.
HAFA Federal Government Loan Modification Assistance Program April 2011 - July 2011
Assigned to special task force to help plan, execute and implement a government home assistance loan
modification program. Audited program to ensure compliance with federal standards.
Senior Bankruptcy Specialist April 2008 – Dec. 2010
Retained attorneys to file Proof of Claim and Motion for Relief in Chapter 7 and 13 Bankruptcy actions.
Assisted in loan modification and short sale programs while loans were in bankruptcy.
FANNIE MAE,Dallas,TX 1997 – 2007
AssetRecovery Specialist
Managed day-to-day control of a 23-state portfolio of the National Property Disposition Center (REO) with
direct responsibility for operations, staff supervision, financial activities, risk management analysis and
litigation.
 Oversaw a team of over 50 attorneys providing direction, mentoring and support in the resolution of
more than 100,000 litigation, eviction, redemption and title cases.
 Negotiated settlements and conducted effective mediations resulting in savings of over $1,500,000 in
foreclosure and REO costs.
 Managed extensive financial activities through extensive knowledge of secondary markets in addition
to coordinating mortgage-banking activities on behalf of a vast client listing.
 Developed a more streamlined approach to investigation and close out of cases,effectively reducing
timelines and achieving significant improvements in credit loss, reduced costs and increased revenue
on a year-by-year basis.
J.C. PENNEYCO, INC,Plano,TX 1988 – 1997
Legal Assistant
EDUCATION
Master of Public Administration
UNIVERSITY OF TEXAS AT DALLAS, Dallas, TX
Bachelor of Business Administration
TEXAS TECH UNIVERSITY, Lubbock, TX