Well it is a new year and new opportunities have been presented. I like to stay current in my learning and my career path. 15+ years learning almost all there is to know about the mortgage servicing. I love to learn so lets get started in 2016.

1. Carmen E. Marsico
Double Oak, Texas
carmen.marsico.06@gmail.com
972-689-3200
Default Manager with 15+ years of mortgage industry experience. Adept at communicating, partnering
with Compliance, Risk, and Management. Specializing in the Foreclosure and Bankruptcy with
experience with in the Loss Mitigation and Liquidation pieces of the organization.
Business strengths include; organization, attention to detail, resourcefulness, team orientation, and
effective management of time. Personal strengths encompass enthusiasm, dependability, working with
diverse personalities, strong work Ethics, managing multiple tasks in a fast paced environment
requiring little or no supervision to achieve results. Adept in many servicing systems such as:
AVAYA / CMS Vendor Loan Servicing Lending Portal Systems
ForTracs Vendor-Scape Remedy Star
Professional Experience
Nationstar Mortgage October 2014 - Present
Oversight Support Specialist January 2016 – Present
• Review business policy and procedures for gaps and compliance concerns.
• Work with Change Management and Legal to update tests with policy and regulation changes.
• Review testing for compliance within all guidelines ie: Investor guidelines, State and
Government regulatory guidelines.
• Communicate risks with the business groups to ensure changes are made.
• Monitor coaching with in the lines of business to minimize on going risk.
• Communicate compliance concerns across all lines of business
• Open new Findings when new risks are identified.
• Maintain communication with lines of business to ensure Findings and Remediation plans are
resolved timely.
• Maintain Business policy and procedures.
• Work with the business unit by meeting with them monthly and to sit in on monthly team
meetings to answer questions and voice concerns over recent regulatory requirements.
• If a systemic remediation plan is needed, work with the IT and business unit to ensure prompt
updates to the system and then monitor testing of the resolution for accuracy.
Business Unit Support Manager October 2014 – December 2015
• Supply business reports to the managers
• Communicate with investors regards to boarding issues
• Special projects including Due Diligence for new loans, Compliance reporting, and I-Flight
processing.
• Work directly with all Loss Mitigation managers to resolve customer complaints.
• Help agents and mangers identify potential Liquidation options to avoid foreclosure.
• Take escalation calls regards to workouts, Liquidation options and Compliance issues.
References upon request Carmen Marsico Resume

2. Carmen E. Marsico
Double Oak, Texas
carmen.marsico.06@gmail.com
972-689-3200
• Work with the Asset Coordinator to ensure that all liquidations have the required documentation
and approvals prior to closing.
• Ordered Broker Price Opinions to determine equity / loss.
• Maintain compliance reporting, identify new process gaps, communicate compliance concerns
to the teams and provide Daily/Weekly compliance changes.
• Submitted Workout /Liquidation options to investors for approval.
• Review and submit accounts for Charge Off based on loss analysis
• Review and submit accounts for payment research, re-postings and corrections
Compliance Business Liaison February 2015 – July 2015
• Work with the First Line of Defense by reviewing policy and procedures for compliance within
state and government regulations.
• Review new compliance testing for potential problems with in the Business prior to
implementing the testing.
• Reviewed Live test results for possible gaps or invalid data with in the test results
• Submit valid test fails to the business unit for coaching.
• Work with the business unit to open new remediation plans that are attainable
• Work with the business unit when fails occur to ensure the remediation plan will close timely.
• If a systemic remediation plan is needed, work with the IT and business unit to ensure prompt
updates to the system and then monitor testing of the resolution for accuracy.
Spring Leaf Financial June 2014 – September 2014
Foreclosure / Title Curative Manager
• Led a team of 8 Analysts (7 Foreclosure and 1 Bankruptcy)
• Influences decisions through advice, counsel, facilitating services to others or through joint
accountability quality and timeliness of end results.
• Maintained a portfolio of loans with Title issues
• Reviewed and analyze Business reports for accuracy and gaps.
• Improved number of milestone completed with in the state and government expectations.
• Improved Quality and service levels with in department.
• Quality and service levels improved significantly by working with the staff to help them identify
and understand the gaps in the process.
• Updated the policy and procedures to better the process and close the gaps identified.
• Worked exception/gap reports to get the processes back on track.
JP Morgan Chase/ Chase Home Finance May 2009 – April 2014
Loss Prevention Asset Recovery May – September 2009
• Moved 300 files to the Florida Servicing site
• Reviewed files for charge off and on going title issues
References upon request Carmen Marsico Resume

3. Carmen E. Marsico
Double Oak, Texas
carmen.marsico.06@gmail.com
972-689-3200
• Determined loss severity for active files
• Filed title claims and monitored for claim payments
Home Equity Bankruptcy Call Center Supervisor September 2009 – October 2012
• Led a team of 12 Home Equity employees
• Call Quality average was 97%
• Abandonment rate average was below 3%
• Reviewed PACER for active / inactive case filings
• Managed the policy and procedures to File Proof of Claims and Reaffirmations
• Managed document tracking, welcome calls and payment tracking for CAS
• Assisted the CAS group by making outbound calls for missing documents or trial payments
Mortgage Bankruptcy Call Center Supervisor October 2012 – May 2014
• Led a team of 15 employees
• Average number of calls per month was 26000 and 31000 depending on the “call of the month”
• Monitored live and recorded calls to insure that employees were following company and
regulatory guidelines.
• Managed Quality of Service to our customers by utilizing the day-to-day reporting to minimize
abandonment rate, and improve Call Quality. Trained staff to handle the “tough calls” with
confidence and patience.
• Responsible for maintaining the policy and procedures to insure that the Bankruptcy
Organization was in compliance with the ever changing Government and Company guidelines.
• Worked with employees that had little to no understanding of the mortgage industry
• Ability to understand and implement the global goals of the organization
• Adaptability in this ever changing market place
• Accomplish goals with existing boundaries established by company policies and sound ethical
practices
Citi Financial - Dallas, Texas and Phoenix, Arizona September 2000 –April 31 2009
Foreclosure, Bankruptcy and Title Curative Analyst
• Monitor state and business timelines to insure legal actions are completed on time
• Maintained attorney communication through out the legal process
• Ensured that compliance and state regulatory laws are adhered
• Review and provide original documents with accuracy
• Reviewed accounts for loss severity
• Made recommendations concerning losses
• Reviewed PACER for active / inactive case filings
• Reviewed Bankruptcy plans to determine how Citi was treated in the Bankruptcy
• Filed Motion For Relief and Proof of Claims to insure the security interest is addressed with in
the plan
References upon request Carmen Marsico Resume

4. Carmen E. Marsico
Double Oak, Texas
carmen.marsico.06@gmail.com
972-689-3200
• Worked with Loss Mitigates to prevent foreclosures when customers are working to keep their
home.
• Assisted attorney in researching creative ways to clear clouds on title
• Work with the county to get title curative documents recorded with in the county
• Research and obtain court documents from the county clerk office or Land and title office
• Searched PACER for recorded documents
References upon request Carmen Marsico Resume