Kerene Spencer
Risk Assessment & Regulatory Compliance Management
Boca Raton
Summary
Currently, I hold a Master's in Business Administration Justice | Results-oriented professional with a superior ability to identify Legal and Operational risks | Experience Professional with demonstrated skills to build relationships and a natural ability to drive positive change | Brings six years of meaningful experience working in Real Estate Law and Business Operations | Developed real-world and technical knowledge of Foreclosure Practices, which include but are not limited to requirements, Process Of Service, Complaints, Discovery, Motion For Summary Judgment, Depositions, and Trials | Well-informed of Depositions and Mediations per the Florida Rules of Civil Procedures. Thrives in fast-paced environments with excellent prioritization and problem-solving skills and a focus on continuous improvement.
Overview
19
19
years of professional experience
Work History
Senior Paralegal
Shraiberg Landau Page P.A.
05.2024 - Current
- Bankruptcy/Restructuring Practice focused on representing middle-market and emerging growth companies in complex disputes.
- Drafted legal documents, including petitions, motions, and correspondence with precision and adherence to court requirements.
- Typed and formatted legal pleadings, notices, and affidavits, ensuring consistency with legal standards and deadlines.
- Filing and writing proof of claims, providing documents that will support the claim.
- Managing files, or providing updates on the development of the case, calendaring deadlines, objections, and pre-trial motions.
- Assist with the preparation and filing of petitions, resolutions, first day pleadings; draft; cite check, research and update the precedent in the first and second-day pleadings filed.
- Familiar with local rules of various courts; coordinate with other professionals and the client to obtain and analyze due diligence materials in preparation for exhibits and documents to be included as part of the filing material.
- Correspond with clients, creditors, and other interested parties regarding case issues. Filing bankruptcy schedules.
- Collate information and exhibits for motions, applications, notices, memoranda, and proofs of claim.
- Proficient in Pacer, CM/ECF, and E-filing in Federal and Bankruptcy Court.
Senior Paralegal
Shraiberg Landau Page P.A.
05.2024 - Current
- Bankruptcy/Restructuring Practice focused on representing middle-market and emerging growth companies in complex disputes.
- Drafted legal documents, including petitions, motions, and correspondence with precision and adherence to court requirements.
- Typed and formatted legal pleadings, notices, and affidavits, ensuring consistency with legal standards and deadlines.
- Filing and writing proof of claims, providing documents that will support the claim.
- Managing files, or providing updates on the development of the case, calendaring deadlines, objections, and pre-trial motions.
- Assist with the preparation and filing of petitions, resolutions, first day pleadings; draft; cite check, research and update the precedent in the first and second-day pleadings filed.
- Familiar with local rules of various courts; coordinate with other professionals and the client to obtain and analyze due diligence materials in preparation for exhibits and documents to be included as part of the filing material.
- Correspond with clients, creditors, and other interested parties regarding case issues. Filing bankruptcy schedules.
- Collate information and exhibits for motions, applications, notices, memoranda, and proofs of claim.
- Proficient in Pacer, CM/ECF, and E-filing in Federal and Bankruptcy Court.
FSI Consultant - Evidence-Based Controls Evaluation (EBCE)
Deloitte
09.2022 - 05.2024
- Company Overview: Contract Assignment
- A highly motivated, forward-thinking self-starter who can work autonomously, is quick to adapt, is technologically adept, is a problem solver, and is an adaptive learner. Actively follow privacy trends across the country, including the development of new privacy laws and emerging privacy risks.
- Evaluation of the design and performance of internal controls to assess whether the rules and underlying attributes are designed appropriately and operating effectively to mitigate risk.
- Drafted case summaries and internal memos related to risk and compliance control evaluations.
- Typed and proofread detailed documentation for client communication and audit trails.
- Interacting with the line of business leaders and conducting walkthroughs to understand control processes.
- Worked directly as a contractor for Wells Fargo.
- Client management, responding to client inquiries, and scheduling depositions.
- Assisting attorneys in preparation for hearings and trials.
- Investigating and fact-finding for cases.
- Work as part of an extensive, complex engagement with onshore and offshore team members to conduct controls assessment.
- Producing quality work products with minimal management oversight throughout the project and controls evaluation lifecycle (from control evaluation planning to results documentation).
- Implemented a strong feedback loop between Training, Business Units, Compliance, Audit, Risk, and Legal to improve staff and management awareness regarding the results of findings and action steps for remediation.
- Understanding of enterprise technology systems such as Workday, SAP, and Oracle.
- Contract Assignment
FSI Consultant - Evidence-Based Controls Evaluation (EBCE)
Deloitte
09.2022 - 05.2024
- Company Overview: Contract Assignment
- A highly motivated, forward-thinking self-starter who can work autonomously, is quick to adapt, is technologically adept, is a problem solver, and is an adaptive learner. Actively follow privacy trends across the country, including the development of new privacy laws and emerging privacy risks.
- Evaluation of the design and performance of internal controls to assess whether the rules and underlying attributes are designed appropriately and operating effectively to mitigate risk.
- Drafted case summaries and internal memos related to risk and compliance control evaluations.
- Typed and proofread detailed documentation for client communication and audit trails.
- Interacting with the line of business leaders and conducting walkthroughs to understand control processes.
- Worked directly as a contractor for Wells Fargo.
- Client management, responding to client inquiries, and scheduling depositions.
- Assisting attorneys in preparation for hearings and trials.
- Investigating and fact-finding for cases.
- Work as part of an extensive, complex engagement with onshore and offshore team members to conduct controls assessment.
- Producing quality work products with minimal management oversight throughout the project and controls evaluation lifecycle (from control evaluation planning to results documentation).
- Implemented a strong feedback loop between Training, Business Units, Compliance, Audit, Risk, and Legal to improve staff and management awareness regarding the results of findings and action steps for remediation.
- Understanding of enterprise technology systems such as Workday, SAP, and Oracle.
- Contract Assignment
Corporate Paralegal / Lead Auditor
SCI Shared Resources, LLC
06.2019 - 09.2022
- Company Overview: Contract Assignment
- Reported to the Chief Compliance Officer to spearhead the legal corporate compliance program for a prestigious creditor rights firm specializing in bankruptcy, collections, and financial services. Worked cross-functionally in collaboration with Senior Leadership to communicate regulatory testing requirements, monitor completion, and identify and manage risks.
- Working regionally with partners and key stakeholders to ensure potential risks are identified during due diligence, escalations tracking, and reporting.
- Drafted compliance reports and legal memoranda for executive review.
- Maintained documentation systems, typing structured internal reports and audit findings.
- Experience with identifying, documenting, and evaluating controls to mitigate operational risks.
- Identifying and escalating risks and significant instances of non-adherence to the Framework by Line of Business, Legal, HR, or as appropriate to raise awareness of Sanctions trends, emerging issues, remedial actions, or enhancements to the program.
- Assisting with the execution of financial, compliance, and operational audits, including the evaluation of internal controls.
- Supported business operations in developing, implementing, monitoring, testing, and reporting compliance programs to satisfy regulatory requirements and expectations consistent with the program standards and requirements.
- Identified areas to introduce testing automation with systemic platforms, increasing efficiencies, reducing costs, and aligning business synergies.
- Developed, implemented, maintained, and monitored training and educational programs for the business units, facilitating an improved understanding of regulatory compliance issues regarding operations.
- Compiling information, drafting reports, and memorandums summarizing findings from quality control reviews, validations, and audits to be given to Executive Management.
- Contract Assignment
Corporate Paralegal / Lead Auditor
SCI Shared Resources, LLC
06.2019 - 09.2022
- Company Overview: Contract Assignment
- Reported to the Chief Compliance Officer to spearhead the legal corporate compliance program for a prestigious creditor rights firm specializing in bankruptcy, collections, and financial services. Worked cross-functionally in collaboration with Senior Leadership to communicate regulatory testing requirements, monitor completion, and identify and manage risks.
- Working regionally with partners and key stakeholders to ensure potential risks are identified during due diligence, escalations tracking, and reporting.
- Drafted compliance reports and legal memoranda for executive review.
- Maintained documentation systems, typing structured internal reports and audit findings.
- Experience with identifying, documenting, and evaluating controls to mitigate operational risks.
- Identifying and escalating risks and significant instances of non-adherence to the Framework by Line of Business, Legal, HR, or as appropriate to raise awareness of Sanctions trends, emerging issues, remedial actions, or enhancements to the program.
- Assisting with the execution of financial, compliance, and operational audits, including the evaluation of internal controls.
- Supported business operations in developing, implementing, monitoring, testing, and reporting compliance programs to satisfy regulatory requirements and expectations consistent with the program standards and requirements.
- Identified areas to introduce testing automation with systemic platforms, increasing efficiencies, reducing costs, and aligning business synergies.
- Developed, implemented, maintained, and monitored training and educational programs for the business units, facilitating an improved understanding of regulatory compliance issues regarding operations.
- Compiling information, drafting reports, and memorandums summarizing findings from quality control reviews, validations, and audits to be given to Executive Management.
- Contract Assignment
Residential Mortgage Closing Support Manager / Senior Foreclosure Paralegal
Prime Group US
06.2017 - 06.2019
- Resolved process weaknesses/gaps by introducing proper internal controls and protecting the company from illegal, unethical, and improper activities conducted by employees, brokers, contractors, and other third parties.
- Developed and managed internal and external audit procedures to detect misconduct and noncompliance and promote an effective working relationship with regulatory agencies.
- Drafted foreclosure documentation and closing instructions in compliance with legal procedures.
- Typed and edited contracts and mortgage documents with strict attention to detail.
- Maintained a network of lender relationships, allowing us to look at higher-quality notes before they hit the brokers and broader markets.
- Performed tasks with an experienced team of due diligence real estate investors and attorneys to perform mortgage and note strength, underlying asset valuation, assure title free of encumbrances, current physical inspection, and a Borrower credit and payment history profile.
- Worked daily with an independent real estate law firm with attorneys dedicated to receiving investment partner funds into their escrow account.
- Ensure an adequately closed transaction and, if necessary, perform expedited foreclosures.
- Highly trained professional experienced in the Fair Debt Collection Practices Act. Participated in a compliant workout team focused on getting borrowers to pay again and keeping them in their homes.
- Worked with a dedicated team to mitigate liens, secure, and properly insure each underlying collateral asset before it becomes a performing asset or before sale post-foreclosure. House Real Estate Brokerage for Rapid/Profitable Sale of Collateral to help assist with Principal Deferral or Reduction, Interest Rate Reduction, Reinstatements, Arrearage Deferral or Reduction, Term Extensions, Prepayment Penalty Removal, Short Payoff, Short Sale, Deed instead of Foreclosure, Consent to Judgment, Lease to Own Program.
Residential Mortgage Closing Support Manager / Senior Foreclosure Paralegal
Prime Group US
06.2017 - 06.2019
- Resolved process weaknesses/gaps by introducing proper internal controls and protecting the company from illegal, unethical, and improper activities conducted by employees, brokers, contractors, and other third parties.
- Developed and managed internal and external audit procedures to detect misconduct and noncompliance and promote an effective working relationship with regulatory agencies.
- Drafted foreclosure documentation and closing instructions in compliance with legal procedures.
- Typed and edited contracts and mortgage documents with strict attention to detail.
- Maintained a network of lender relationships, allowing us to look at higher-quality notes before they hit the brokers and broader markets.
- Performed tasks with an experienced team of due diligence real estate investors and attorneys to perform mortgage and note strength, underlying asset valuation, assure title free of encumbrances, current physical inspection, and a Borrower credit and payment history profile.
- Worked daily with an independent real estate law firm with attorneys dedicated to receiving investment partner funds into their escrow account.
- Ensure an adequately closed transaction and, if necessary, perform expedited foreclosures.
- Highly trained professional experienced in the Fair Debt Collection Practices Act. Participated in a compliant workout team focused on getting borrowers to pay again and keeping them in their homes.
- Worked with a dedicated team to mitigate liens, secure, and properly insure each underlying collateral asset before it becomes a performing asset or before sale post-foreclosure. House Real Estate Brokerage for Rapid/Profitable Sale of Collateral to help assist with Principal Deferral or Reduction, Interest Rate Reduction, Reinstatements, Arrearage Deferral or Reduction, Term Extensions, Prepayment Penalty Removal, Short Payoff, Short Sale, Deed instead of Foreclosure, Consent to Judgment, Lease to Own Program.
Processor
Liberty Title & Escrow
09.2013 - 10.2015
Processor
Liberty Title & Escrow
09.2013 - 10.2015
Trial Team Supervisor
Robertson, Anschutz & Schneid P.L.
02.2010 - 09.2013
Trial Team Supervisor
Robertson, Anschutz & Schneid P.L.
02.2010 - 09.2013
Paralegal Supervisor
Marshall Watson P.A.
01.2008 - 02.2010
Paralegal Supervisor
Marshall Watson P.A.
01.2008 - 02.2010
Underwriter
Bank United FSB
05.2006 - 01.2008
Underwriter
Bank United FSB
05.2006 - 01.2008
Education
Master's in Business Administration (MBA) - Process Improvement
Nova Southeastern University
Davie, FL06.2018
Bachelor of Science (BS) - Business Administration
University of Phoenix
Fort Lauderdale, FL08.2015
Skills
- Leadership Skills
- Compliance Skills
- Risk Assessment & Management Skills
- Regulatory Compliance Management Skills
- Internal Audit Skills
- Control Testing
- Research
- Enterprise Risk Management Skills
- Team leadership qualities
- Employee development
- Team oversight
- Regulatory compliance
- Office administration
- Document drafting
- Document filing
- Research and data collection
- Administrative support
- Project management
- Proficient in MS office
Websites
Value Proposition
Currently, I hold a Master's in Business Administration Justice | Results-oriented professional with a superior ability to identify Legal and Operational risks | Experience Professional with demonstrated skills to build relationships and a natural ability to drive positive change | Brings six years of meaningful experience working in Real Estate Law and Business Operations | Developed real-world and technical knowledge of Foreclosure Practices, which include but are not limited to requirements, Process Of Service, Complaints, Discovery, Motion For Summary Judgment, Depositions, and Trials | Well-informed of Depositions and Mediations per the Florida Rules of Civil Procedures. Thrives in fast-paced environments with excellent prioritization and problem-solving skills and a focus on continuous improvement.
Regulatory Expertise
- FCRA
- SCRA
- CRA
- Reg Z
- Reg H
- Reg DD
- RESPA
- UDAAP
- FDCPA
- TILA
- ECOA
- CCPA
- TCPA
- BSA
- Dodd-Frank Act
Timeline
Senior Paralegal
Shraiberg Landau Page P.A.
05.2024 - Current
Senior Paralegal
Shraiberg Landau Page P.A.
05.2024 - Current
FSI Consultant - Evidence-Based Controls Evaluation (EBCE)
Deloitte
09.2022 - 05.2024
FSI Consultant - Evidence-Based Controls Evaluation (EBCE)
Deloitte
09.2022 - 05.2024
Corporate Paralegal / Lead Auditor
SCI Shared Resources, LLC
06.2019 - 09.2022
Corporate Paralegal / Lead Auditor
SCI Shared Resources, LLC
06.2019 - 09.2022
Residential Mortgage Closing Support Manager / Senior Foreclosure Paralegal
Prime Group US
06.2017 - 06.2019
Residential Mortgage Closing Support Manager / Senior Foreclosure Paralegal
Prime Group US
06.2017 - 06.2019
Processor
Liberty Title & Escrow
09.2013 - 10.2015
Processor
Liberty Title & Escrow
09.2013 - 10.2015
Trial Team Supervisor
Robertson, Anschutz & Schneid P.L.
02.2010 - 09.2013
Trial Team Supervisor
Robertson, Anschutz & Schneid P.L.
02.2010 - 09.2013
Paralegal Supervisor
Marshall Watson P.A.
01.2008 - 02.2010
Paralegal Supervisor
Marshall Watson P.A.
01.2008 - 02.2010
Underwriter
Bank United FSB
05.2006 - 01.2008
Underwriter
Bank United FSB
05.2006 - 01.2008
Bachelor of Science (BS) - Business Administration
University of Phoenix
Master's in Business Administration (MBA) - Process Improvement
Nova Southeastern University
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