erika macgregor

* Responsible for management of advanced default servicing activity for mortgage, home equity and personal loans, including staff of 14 FTE * Managed servicing activities, compliance and reporting for Fannie Mae, Freddie Mac, FHA, VA, MPF and Private Investors * Responsible for management of REO booking activity and administration of title, investor and mortgage insurance claims * Oversaw administrative tasks including state demand letter, invoice processing and foreclosure and charge-off preparation * Responsible for tax lien management and collections for consumer loans * Managed various vendor relationships

* Responsible for management of REO booking activity and administration of title, investor and mortgage insurance claims, including staff of 2 FTE * Managed reporting, loss mitigation, foreclosure and charge-off activity for portfolio of loans serviced by others * Responsible for tax lien management and collections for consumer loans * Managed various vendor relationships * Responsible for the initiation, development and implementation of TD Bank's Loss Mitigation website

* Responsible for collections efforts on severely delinquent accounts, including residential foreclosures * Effectively negotiated foreclosure alternatives to mitigate bank losses * Managed all aspects of account work, including attorney correspondence, skip-tracing, legal letters, files, foreclosure preparation and thorough documentation

* Serve as subject matter expert on designated processes * Engage with other business lines and outside vendors to develop effective loss mitigation workflow management tool and improve foreclosure alternative options available to Customers * Manage loss mitigation programs, activity, reporting, performance and analysis * Revise processes as needed to improve efficiency and ensure compliance with federal and state regulations * Responsible for development and management of loss mitigation process documentation and related controls * Partnered with other business lines to develop and implement write-down process for loans serviced by others * Managed monthly charge-off processing, reconciliation, reporting and analysis * Responsible for development, implementation and improvement of charge-off process documentation

* Lead remediation efforts for regulatory and internal audit findings * Facilitate project teams and working groups to ensure accurate and timely execution of required action items * Coordinate regulatory and internal audit examinations * Review regulatory guidance and complete gap assessments to ensure compliance * Develop detailed process documentation including process maps and procedures * Responsible for monthly and quarterly Basel risk management and model monitoring review, presentation and issue remediation * Oversee and assist with credit policy governance and approval processes * Facilitate policy and procedure revisions to ensure alignment with regulatory guidance * Review Lending Authority requests to ensure alignment with documented policy * Assist with oversight of Collections activities and processes through quarterly monitoring , ad hoc analysis and memoranda