Open to opportunities

Sofia Heredia

@sofiaheredia

Message

Risk management specialist with deep financial compliance, AML, and regulatory remediation expertise.

United States

Message

What I'm looking for

I seek a senior risk/compliance role where I can lead remediation, strengthen controls, mentor teams, and ensure regulatory adherence in a collaborative, impact-focused environment.

I am a financial services risk management specialist with extensive experience in regulatory compliance, AML, RCSA, and audit reviews. I have led consent order and bankruptcy settlement projects, executed large-scale loan audits, and designed compliance programs for domestic and international institutions.

My work includes managing PPP loan reviews, identifying fraud, improving SOPs, and delivering remediation and control frameworks for top-tier banks and servicers. I bring proven results in regulatory reporting, risk assessments, training, and vendor management to reduce exposure and ensure compliance.

Experience

Work history, roles, and key accomplishments

Current

Independent Consultant

Current

Independent Consultant

Oct 2024 - Present (11 months)

Develop and execute strategic plans for small-business clients, lead end-to-end sales processes, and mentor business development teams to drive partnerships and revenue growth.

Business Development Strategic Planning Contract Negotiation Partnership Management Team Leadership Sales Operations

Loan Analyst - PPP Loan Program

HighLight Technologies

Aug 2020 - Sep 2024 (4 years 1 month)

Processed and verified over 4,000 PPP borrower applications achieving 100% compliance, identified 1,000+ fraudulent/insufficient documents to update SBA SOPs, and reviewed 150+ aged loans for forgiveness within targeted timelines.

& Compliance Fraud Detection KYC SOP Development

Senior Consultant

FTI Consulting

Dec 2019 - Jul 2020 (7 months)

Promoted to senior evaluator on an audit of 30,000+ loans, enhancing regulatory reporting controls and delivering investigative analysis on underwriting, estimates, and renewals to remediate TRID-related risks.

Regulatory Compliance TRID Investigation Reporting Mortgage Servicing

Senior Consultant

Guidehouse

Dec 2014 - Nov 2019 (4 years 11 months)

Evaluated control design and effectiveness for domestic and international financial institutions, developed RCS frameworks for mortgage servicing, and created AML/sanctions programs and deficiency reports for senior stakeholders.

AML Regulatory Compliance Root Cause Analysis

Associate Auditor

DRT Strategies

Jan 2012 - Jul 2013 (1 year 6 months)

Led credit testing and loan-level data analysis across foreclosure and bankruptcy reviews, audited 1,000+ mortgage cases and handled 500+ borrower complaints in English and Spanish to ensure compliance with loss mitigation processes.

Foreclosure Bankruptcy Processes Auditing