Tamara Gray

Reviewed and re-performed first-line controls testing for U.S. credit card and unsecured loan portfolios, ensuring accuracy of test results and completeness of audit trails and remediation.

Developed and executed RCSA testing for mortgage servicing and default functions, evaluated control descriptions for alignment with procedures, and tested vendor due diligence and ongoing oversight.

Performed issue validations and cycled audits for consumer products, validating fair lending controls, FCRA dispute handling, and accuracy of Regulation Z marketing information.

Conducted internal audit workstreams and re-validations across corporate compliance framework, performing walkthroughs, test script creation, control testing, and privacy and CIP/CRA assessments.

Supported audits of mortgage lending originations and SAFE Act adherence by leading walkthroughs, editing work programs, assessing risks, and performing control testing and workpaper completion.

Managed a team of seven conducting point-in-time reviews of mortgage servicing to validate federal regulatory compliance, vendor oversight, RCSAs and delivered final reports to executives.

Led internal audits for North America commercial lending and mortgage servicing, authored findings and final reports, and managed audit teams through planning, testing, and stakeholder engagement.

Oversaw audits of mortgage default processing and originations, managed a 21-person audit team for a horizontal Regulation Z audit, and reported findings to executive management and the board.

Bachelor of Business Administration degree from The University of North Texas.