Stephanie is an experienced banking professional with expertise in financial compliance, process improvement, and project management. She has over 10 years of experience managing teams and projects related to loan operations, quality control, and vendor relationships. Her background includes ensuring adherence to regulations for areas such as escrow, taxes, insurance, and flood compliance.

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Stephanie R. Rottar
858 Shorewood Drive, Bartlett, IL 60103 Phone: 773-876-3712
linkedin.com/in/stephanie-huertas-aa166955 E-Mail: s.huertas@ymail.com
Summary:
Innovative strategic banking professional with extensive experience in all aspects of financial compliance, flood
insurance, process improvement and project management.
Core Competencies:
 Strong expertise in all aspects of Escrow, including Taxes, Property Insurance, Flood Insurance and Private
Mortgage Insurance (PMI).
 Subject Matter Expert in process improvement, including streamlining and automating tasks for increased
efficiency and reduced labor costs.
 Experience with retail and commercial loans, implementing quality controls and improving data accuracy.
 Strong leadership and interpersonal skills, able to reconcile diverse groups and priorities in a seamless manner.
 Knowledge of federal, state and local regulations related to banking, loans and insurance.
 Excellent at research, analysis and critical problem solving.
Professional Experience:
Northern Trust – Chicago, IL 2008 - Present
Second Vice President/Loan Operations Manager (April 2013 – Present)
Manage a team of seven Quality Control specialists and one consultant, reviewing data accuracy of loan processors.
Identify errors and coordinate with other departments for corrective actions and process improvement. Work with
compliance officers to assure adherence with regulations, including CFPB,CCAR, RESPA, Sarbanes-Oxley and
Dodd-Frank. Meet with upper management on a regular basis.
 Reduced review time from over ten days after data input to two days, by performance management,
streamlining procedures and finding efficiencies in the process.
 Developed a database to track errors, utilizing pivot tables to identify issues and trends in real time.
 Coordinated with internal auditors and external auditors from KPMG to resolve audit findings, recommend and
document procedural changes and implement process changes across Loan Operations.
 Took charge of the UBS portfolio, reconciling on a daily basis.
 Acted as Business Continuity Plan Coordinator.
Officer/Vendor Manager (January 2012 – April 2013)
Maintained relationships with internal partners, suppliers and service providers, and oversaw that all aspects of
contracts are fulfilled. Reviewed metrics of services provided and identified areas of concern for correction.
Worked with Proctor Financial, Lereta LLC and CBCInnovis to assure that insurance and tax requirements were
being met. Escalated areas of concern with front line partners, resolving issues and heading off problems.
 Instrumental in transitioning insurance monitoring to Proctor Financial, ensuring all data was accurate.
 Negotiated the Contract with Proctor, making sure all terms were satisfactory to all sides.
 Lowered cost per loan of insurance monitoring.
 Worked with multiple stakeholders from different departments to ensure completeness and accuracy of data
before transferring to outside vendors.
Consultant (July 2008 – January 2012)
Headed up a team to review flood insurance to comply with OCC requirements after audit findings identified
shortcomings in the process. Evaluated current policies, identified issues, and recommended corrective actions.
 Developed a checklist to ensure full compliance on each loan.
 Created a workflow to streamline and expedite the review process.

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Stephanie R. Rottar
Phone: 773-876-3712 E-Mail: s.huertas@ymail.com
Professional Experience (Continued):
ABN AMRO/Bank of America - Des Plaines, Illinois 1999-2008
Quality Control Specialist (2003 to 2008)
Conducted quality reviews and local, state and federal guideline audits to identify errors, omissions, potential fraud
or compliance/quality detriments. Experienced in auditing numerous types of loan files, including first and second
mortgages; maintained current knowledge of new regulations and laws to ensure files met all regulations to reduce
and eliminate risk for bank and consumers. Worked across multiple state regulations. Developed and analyzed
compliance variance reports; conducted statistical analyses on files.
 Maintained a 100% accuracy rating for quality reviews and audits; partnered with internal and external auditors
during department reviews.
 Conducted numerous audits across flood loans, HMDA, Regulation B, TILA, RESPA, HOEPA, Bank Secrecy,
Fair Lending, Right of Rescission, fraud, predatory lending, insurance, OCC compliance, etc.
 Filled role as special project manager for complex projects outside of department’s daily operations:
accountable for managing special audits; assisted in developing new department procedures, training strategies
and processes.
Investor Account Specialist (2002 to 2003)
Served as a liaison between major lending partners (Freddie Mac and Fannie Mae) to calculate investor interest
received during loan life cycle. Communicated directly with investor representatives on a daily basis to compile and
analyze financial data. Orchestrated all aspects of wiring millions of dollars with strict quality standards to prevent
costly penalties.
 Spearheaded research, planning and execution of variance analyses for investors and internal ledgers.
 Member, Process Streamlining Committee
Escrow Service Representative (1999 to 2002)
Managed department’s largest portfolio (MGIC) with direct accountability for quality assurance, efficiency and
regulatory compliance in monitoring and controlling escrow data on existing loans to ensure adherence to state and
federal regulations. Analyzed insurance and local tax data to modify payments.
 Received 12 “RAVE Awards” for exceeding business goals
Education:
DeVry University - Chicago, Illinois
Coursework toward a Bachelor of Arts in Finance and Accounting
Professional Development:
Information Security Guidelines  Compliance Principles  Right to Financial Privacy Act  Credit Analysis
Home Mortgage Disclosure Act-Regulation C  Flood Disaster Protection Act and National Flood Insurance 3
AIM  Commercial Flood Insurance  Regulation E  Fair Lending  Community Reinvestment Act
Homeowners Protection Act  AAMG Fair Debt Collection Practices Act-FDCPA  IRA Procedures
Complying with Economic Sanctions  AAMG Fair Credit Reporting Act  GLBA-Regulation P
 Fair Credit Reporting Act  Service Member Civil Relief Act  Managing within the Law
 Anti-Money Laundering  Regulation P-GLB Privacy  Regulation CC  AML/Sanctions
CFPB Mortgage Reform Rules  US Patriot Act-Customer ID Program  Regulations D&Q
AAMG Fact Act  AAMG Real Estate Settlement Procedures Act Regulation X-RESPA
Technical Proficiencies:
Microsoft Office Suite (Word, Excel, PowerPoint, Access, Outlook); ComplianceEase; AUS; PNC; Lason;
LoanProspector; RUMBA; Mupit; IOMS; I-Cenlar; FIS Insight; NorthernImage; 3270; Lotus Notes; ERM; IOL;
Treasury Passport; Fundmaster; NTS Video; Global Time Tracker (GTT); TLM; SharePoint
Basic proficiency in Spanish and Italian