Tylise Shelton

Executed independent testing of compliance controls/systems across assigned TD Bank businesses and operational units, developing test steps and performing complex analysis of control effectiveness. Served as a subject-matter expert on applicable regulations, oversaw end-to-end work, and summarized results to support findings presented to business partners and senior management.

Conducted RCSA compliance testing for FDPA-Reg H to ensure regulatory adherence and strengthen risk management. Implemented FDPA compliance control reports for mortgage servicing and collections, validated flood insurance notifications, optimized force-placed insurance processes, and performed risk-based monitoring with test scripts and root cause analysis.

Performed RCSA testing and regulatory research to support compliance audits and internal controls. Analyzed 56,104 major compliance requirements and 362,897 attributes, and streamlined compliance efficiency by filtering out 88% of state law attributes for CSBB/SDI.

Conducted audits on Loan Estimates and Closing Disclosures to improve regulatory adherence and disclosure accuracy. Reviewed and approved disclosures, submitted accurate annual HMDA data, and streamlined loan-level documentation to improve audit efficiency for state and investor examinations.

Performed controls testing and quality control monitoring to validate bank compliance with federal and state regulations including TILA, RESPA, ECOA, FHA, HMDA, and FCRA. Reviewed loan files against HMDA requirements using LAR analysis, authored detailed reports with corrective actions, and coordinated regulatory lending compliance audit timelines.

Defined and implemented strategic benchmarks and owned day-to-day leadership of a Compliance Quality Control team, including personnel and workflow management. Reviewed Loan Estimates and Closing Disclosures for 8 branches, conducted independent reviews of TILA/RESPA and state regulations, and trained QC staff on guideline changes with escalation support.

Reviewed pools of closed loans for eligibility, regulatory adherence, and documentation quality for clients purchasing or securitizing. Completed RESPA testing and high-cost mortgage compliance reviews (ATR/QM, APR/points-fees, prepayment penalty, and eligibility) and performed final TIL/HUD I and Notice of Right to Cancel reviews.

Audited a $1.3M client-funded project involving approximately 7,500 originated and non-originated mortgage loans, including on-site compliance review and underwriting risk assessment. Oversaw LAR analysis for HMDA compliance and data submission requirements, evaluated underwriting factors (debt ratio, LTV, credit, property valuation), and conducted targeted compliance audits covering RESPA, Fair L

Performed targeted compliance reviews for financial institution clients and issued weekly management reports covering policy violations and loan process issues. Reviewed the 3-Day Regulatory Package, validated oversight reports and findings, managed control reports, and supported curative actions to mitigate potential monetary losses.

Led and trained a 10-person team for a special GFE/TILA project for two months. Coordinated execution of project tasks and supported compliance-focused processing efforts.

Earned a Bachelor of Arts at Rowan University in Glassboro, NJ. Field of study was not specified.

Activities and societies: National Lambda Epsilon Chi Honors

Completed Paralegal/Legal Assistant Studies at Peirce College in Philadelphia, PA. National Lambda Epsilon Chi Honors were noted.