Janet Twombly is a compliance director with Baker Tilly’s financial services practice.
- Assisted in the development of clients’ servicing divisions, including the creation of written policies and procedures
- Performs file reviews for compliance with federal, GSE and agency requirements, targeted default file reviews, servicing gap analysis reviews and servicing compliance consulting services
- Oversees and performs internal audits based on the mortgage lending and interim servicing operations of clients, identifying areas for improvement based on written policies and procedures in addition to federal regulatory requirements
- Oversees anti money laundering audits required under the Bank Secrecy Act for Residential Mortgage Lenders and Originators (RMLO)
- Oversees and performs MERS annual report reviews in accordance with the reviewer recommendations of MERS
- Oversees Baker Tilly’s compliance division’s compliance QC services for numerous mortgage loan origination clients that include file review for compliance with federal and state regulations
- Oversees and performs targeted reviews and GAP analysis as follows:
• HMDA Data Validation reviews
• TRID targeted file reviews and GAP analysis
• Operational GAP analysis
• Operational/regulatory policy and procedure reviews
• CA Per Diem file reviews
• CA Trust Account Reconciliation reviews
• LO Compensation GAP analysis
• Oversees compliance consulting services for numerous clients
