Sheila Jones has over 15 years of experience in mortgage processing, underwriting, fraud investigation, anti-money laundering, and accounting. She has held roles at Discover Financial Services, Recovco Mortgage, Standard Chartered Bank, Bank of America, National Bankruptcy Services, Sprint Nextel Inc., Triad Financial, K&G Men's Company Inc., and Citi Bank investigating suspicious activity, reviewing loans for compliance, and managing teams of up to 20 people. She has expertise in mortgage guidelines, sales, reconciliation, project management, and collections.

1. Sheila R. Jones
1202 W. Camp Wisdom Rd
Duncanville, Texas 75116
469-254-8293/sheila.jones50@outlook.com
QUALIFICATIONS
• Mortgage- Experience in mortgage processing, LP, DU, FHA Connection, All income calculations, Knowledge of FMNA
guidelines, FHLMC guidelines, FHA guidelines, appraisal review, LP, DU, CAIVRS, audit control, ,bankruptcy,
HMDA, ForensicAuditing.
• EDD/Compliance- •SARS Filing to FINCEN, SARS Monitoring Alerts Yellow Hammer-BSA symitar’s enterprise
application; Detica/Norkom, CERS, HALO-Alerts;FSD-Financial Desktop (Cash transfer, All customer info); AS400;
IVAULT; FTMONT-wiringtransfer info, Liberty, Patriot Officer, Lexis Nexus, Google Search, FCRM Financial
Crime Risk Management, Navigator, Web Director, LIS, Loan Portal, Omni Conditions
• Compliance- •SARs Filing to FINCEN, SARs MonitoringAlerts Yellow Hammer-BSA symitar’s enterpriseapplication;
Detica/Norkom, CERS, HALO-Alerts;FSD-Financial Desktop (Cash transfer, All customer info); AS400; IVAULT;
FTMONT-wiringtransfer info, MetaVante, Liberty, Patriot Officer, Lexis Nexus, Google Search, FCRM -Financial
Crime Risk Management, Navigator, Web Director, LIS, Loan Portal, Omni Conditions.
• Sales - Experience in sales of bank cards products and was top sales performer by achieving 150% of sales goals.
Ranked 28 out of 650 sales representatives for 3 years straight selling telecommunications products
Won top sales trip 3 years in a row in telecommunications.
• Management - Supervised 10 or more peopleat a time, and managed ATMs in 3 major cities: Kentucky, Midwest, and
Texas.
• Payroll - Experienced in People Soft by keeping track of over 3500 employees.
Ability to process and mail out yearly W2s for all employees for the YMCA
Processed hiring and terminations papers
• Reconciliation -Experienced in reconciling multiple bank statements for 45 branches.
• Project Management -Wrotea 100 page manual on "How to Process Mail for Accounts Payable Department" and the
manual is still in place today.
• Collections- Experience in collections for bank cards for commercial and consumer auto accounts.
• Accounting- Over 15 years of experience in accounting acting as a negotiator for potato prices, purchase order
facilitator.
Summary of Work Experience
02/16-06/2016 DiscoverFinancial Services Columbus, OH/Contract with Robert Half
AML Investigator
Responsible for reviewing automated and manual referrals of Discover Bank clients and accounts for unusual activity. -
Receiving and investigating escalations from AMLAnalysts based upon manual and automated monitoring referral channels to
determine whether potentialsuspicious activity is present.
Making recommendations related to thereporting of suspicious activity through SARS to FINCEN.
Conducting enhanced customer due diligence, transaction activity reviews, and negative media searches and documenting
findings in accordance with approved policies and procedures
Independently researching internal and external source systems to determine whether activity appears usual and expected for
specific customers/accounts
Preparing Suspicious Activity Reports (SARS) and other written investigative/intelligence products to support judgments, and

2. recommendations.
Construct a robust written narrative to support investigations in accordance with strict quality standards
Leveraging additional external resources available for investigative purposes, including bank personnelcontact, direct client
contact, 314(b) information sharing requests, Law Enforcement contact, etc. to aid in the investigative decision-making process
Ensuring accounts and/or customers are referred to theBanks SAR team appropriately in situations where theInvestigator is
recommending a SAR be filed
Thoroughly and clearly documenting NON-SAR decisions in accordance with Discover Bank policy and regulatory expectations
Actively participating in internal and external training opportunities, teamand departmental meetings, and industry peer groups
in order to maintain advanced awareness of AMLrisk, industry standards, policy & procedure changes, etc.
Providing constructive feedback to AMLAnalysts with respect to thequality of case escalations, trends and issues, or best
practices in order to assist in the continued development of the alert analysis process
Communicating clearly, both written and verbally, with individuals in and outside of Discover (e.g. fraud teams, collections
teams, Law Enforcement, individuals at other Financial Institutions, etc.)
Responding in writing and verbally to urgent requests from Management with theutmost expediency
Promote a risk-aware culture, ensure efficient and effective risk and compliance management practices by adhering to required
standards and processes.
08/15-12/15 Recovco Mortgage Dallas, TX
Fraud Research Analyst
Conducted credit analyses using advanced methods and tools of aggregated data provided by lenders
clients of the organization, or other sources of data
Reviewed and understood large sets of data; and used analytical capabilities to derive patterns and concentrations of fraud risk
Examined risk elements of proposed deal, purchase, or existing relationship with a client and made recommendations to
management regarding continuing to closure, or additional credit enhancements needed to make deal more acceptable
Conducted difficult investigations of suspected or alleged mortgage fraud and/or other suspicious activities to include: loan
servicing (e.g. short sale, modification), foreclosure, Real Estate Owned, and loan origination (loan application) fraud schemes,
as well as possiblemoney laundering activities
Maderecommendations for new policies to minimize fraud and control other risks more effectively. Researched value frauds and
patterns, initiated and contributed to new tools for detecting value-related fraud.
01/15-06/15 Standard CharterBank/ Contract with AllsecTech Irving, TX
AML Investigator
Supported and conducted the examinations of transactions across regions linking up pockets of suspicious activity.
Knowledge of correspondent banking, and ability to detect Red flags such as: Repatriations of funds, Structuring, Round dollar,
Inconsistent address, Activity Burst, Nigerian Structuring, Nested Correspondence, , MSB, Shell Companies, High Risk
Jurisdictions, Irregular business patterns, High Risk Business, Typologies, Adverse Information, Sanctions Entities, unidentified
Entities.
Specialized with International wire transfers, clearing USD dollars thru SCB NY branch correspondence relationships with other
financial institutions or registered MSB.
Possessed the ability to assess risk as well as adverse risks to Managers, multi-cultural awareness and sensitivity.
Experienced of FCC and business activities in the US.
Monitored High Risk jurisdictions, Detections scenarios, and cleared Alerts.
Validated transactions monitored for structuring and wires in and out of High Risk Geographies
Assisted project with look backs and business as usual (BAU) cases
Prepared and filed Suspicious Activity Reports (SAR) with FINCEN; Partnered with law enforcement, IRS, banks, and other
agencies for case resolution and disposition.
Escalated high risk correspondent banking wires, cash (structuring), PEPs, and MSB like activity cases requiring SAR filing or
further due diligence.
Reviewed cases to ensure proper risk classification, grading of business and consumers.
Evaluated case assessments for evidence of AML/BSA program violations.
Lead person over a staff of 10 which included assisting with difficult files and training when new updates was implemented.
08/14-09/14 Deval LLC Dallas, TX

3. Mortgage File Analyst Consultant
Responsible for reviewing post closed mortgage loan documentation for compliance and accuracy
Reviewed loan files to insure compliance with all stateand federal lending regulations
Compared closed loan parameters to investor and portfolio product guidelines
Recognized non-compliance issues and effectively communicated these to the appropriateparties
Identified and verified exceptions within files and prepared reports and findings in a clear and concise manner
10/14-11/14 Wendy Davis Campaign Dallas, TX
Deputy FieldOrganizer Consultant
Walked different neighborhoods and knocked on doors to inform registered voters about the early voting times and places.
Called registered voters to remind them to voteand asked if they wanted to volunteer,
Placed signs in yards of registered voters.
03/12-04/14 Bank of America Dallas, TX Contract with Disys
Underwriter-In Line QA Analyst Consultant
Perform QA/QC auditing in Default-Servicing/Underwriting. Ensure compliance is assessed for government procedures &
guidelines of (FNMA &FHLMC) are adhered in regards to Loss Mitigation loans
Provide analytical & administrative support within theinternal control dept.
Performed auditing of underwriters by “passing”or “failing” loans that are reviewed for modification (i.e. FHLMC, FNMA,
HAMP &Non-HAMP programs) ensuring the borrower receives the best loan modification via DU & LP systems
Special project for SCRA loans.
Anti-Money Laundering Analyst
Identified and investigate potentialsuspicious activity
Conducted investigation, and made recommendations based on findings
Assisted with the development of Policies and Procedures to ensure compliance of AMLrequirements applicable in a global
financial business environment
Reviewed activity for adherence to the AMLprogram, as part of theclient on-boarding process or ongoing monitoring
Conducted online research for information and articles related to AMLtheBank Secrecy Act (BSA), and other global
Regulations
Decided on the final disposition whether the alert should be promoted to open a case and possibly file a SAR or suppress thealert
to review at a later date
7/11 -11/11 National Bankruptcy Services Dallas, TX
Loan Processor
Collected and processed mortgage applications and documentation prior to
final phaseof underwriting loans
Assisted clients that was in foreclosure and bankruptcy over thephone
Assisted clients with payments history and arrears
Offered options to bring the account current, such as deed in lieu
09/08 - 03/10 Sprint Nextel Inc. Ft. Worth, TX
Business Premier Specialist
Processed business orders for cellular service and assisted customers with their bills
Refunded accounts for late fees, overage on minutes and incorrect plan changes
Offered plans that fit customer needs
Processed repair tickets when needed
Received 100% customer service issues resolved for 9 months straight
05/07-01/08 Triad Financial North Richard Hill, TX
Senior Loan Processor
Managed loan applications with pending conditions
Return calls to buyers within 24 hours
Review appraisals
Prepare loan documents to be reviewed by underwriter
Effective oral and written communication skills
2006/2007 K&G Men’s Company Inc. Dallas, TX

4. Head Cashier
Assisted customers by processing their purchases and returns
Counted thebeginning balance in register and theclosing balances
Prepared thedeposits for thebank
Effective oral and written communication skills
Processed and tagged the new clothes
Inventoried the storemonthly
10/03 - 01/07 Citi Bank Irving, TX
Fraud Research Analyst
Conducted credit analyses using advanced methods and tools of aggregated data provided by lenders,
clients of the organization, or other sources of data
Reviewed and understood large sets of data; and used analytical capabilities to derive patterns and concentrations of fraud risk
Examined risk elements of proposed deal, purchase, or existing relationship with a client and made recommendations to
management regarding continuing to closure, or additional credit enhancements needed to make deal more acceptable
Conducted difficult investigations of suspected or alleged mortgage fraud and/or other suspicious activities to include: loan
servicing (e.g. short sale, modification), foreclosure, Real Estate Owned, and loan origination (loan application) fraud schemes,
as well as possiblemoney laundering activities
Maderecommendations for new policies to minimize fraud and control other risks more effectively. Researched value frauds and
patterns, initiated and contributed to new tools for detecting value-related fraud.
Lead personal of a staff of 15 to 20 people.
Education
Dallas Baptist University Dallas, TX
B.A., Applied Accounting
Mountain View College Dallas, TX
A.A., Business and Management