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Sonya Faivre

9200 Westheimer Rd, Apt 1811


Houston TX 77063
sf10967fe@westpost.net
PROFESSIONAL SUMMARY
Energetic Leader with a consistent track record of motivating sales, risk, credi
t, and operations teams to work in harmony and achieve business objectives rangi
ng from customer retention to fraud prevention. Certified Fraud Examiner with 23
years of banking experience in financial institutions ranging from $10 billion
to $300 billion in assets. 21 years in loan risk management and 10 years managi
ng employees. Direct experience with financial institutions large and small, sta
rt-ups, commercial and residential real estate companies, mortgage brokers, mort
gage bankers, and asset-based lending. Dynamic public speaker and fraud prevent
ion/detection trainer. FDIC security clearance.

Asset Management and Investigations


FDIC Division of Resolutions and Receiverships - Subcontractor
April 2010 - Present
Specialties: Asset Management and Investigations, working directly with FDIC as
well as customers and employees of failed financial institutions.
* Asset Management. Commercial Real Estate and Consumer Home Loans: Obtain and s
ummarize borrower, guarantor, and real estate project financial performance data
; order and examine real estate appraisals; author management reports summarizin
g financial data, file deficiencies, daily borrower communications, collateral a
dequacy, and compliance with loan terms; assess loss potential; minimize losses
through negotiation, foreclosure, and litigation.
* Investigations. Evaluate underwriting and credit administration practices (cre
dit limit, loan term and structure, loan covenants and exceptions, compliance wi
th laws and regulations, concentrations of credit); assess management's performa
nce correcting deficiencies identified by banking regulators; work with legal co
unsel to assess legal and insurance claim validity and analyze collectability of
criticized and defaulted multi-million dollar credit facilities; interview exec
utives, officers, and staff of the failed bank; provide testimony and litigation
preparation support to civil and government attorneys; manage investigations of
possible criminal activity and abusive practices by corporate borrowers as well
as bank officers and executives.
President
Faivre & Associates Consulting Inc
February 2008 - Present
Faivre & Associates Consulting, Inc. helps small businesses, entrepreneurs, and
executives with short-term, high-impact projects ranging from discreet, internal
fraud investigations to improving profitability through better communication.
National Risk Manager
Washington Mutual Bank
March 2003 - February 2008
Create, staff, and lead successful fraud prevention, detection, and resolution p
rogram for the nation's largest warehouse lender with more than 240 customers, $
9 billion in outstandings, $8 billion in deposits, and an operations group fundi
ng up to 10,000 mortgages. Recruit and train streamlined team of fraud mitigatio
n specialists that receives Performance Award for the detection and successful r
ecovery on a $6 million fraud case. Travel to mortgage companies nationwide to a
ssess loan underwriting, legal documentation, regulatory, and investor/agency co
mpliance. Conduct daily loan portfolio surveillance, reporting suspicious activi
ty and risk remediation actions to executive management. Work across business li
nes to educate others re: fraud risk while collecting data, calculating loss exp
osure, and formulating proactive asset protection strategies. Professional fraud
prevention, detection, and remediation speaker for Mortgage Bankers Association
; American Conference Institute; and Association of Certified Fraud Examiners Ho
uston Chapter. Mortgage Bankers Association's Fraud & Ethics Subcommittee member
.
Credit Manager
Washington Mutual Bank
February 2001 - March 2003
Play key role transitioning national mortgage warehouse lending portfolio from B
ank United to Washington Mutual Bank. Co-author Credit Procedures for Mortgage B
anker Finance business line. Analyze mortgage company financial statements for c
redit quality and compliance with loan covenants and financial projections. Co-m
anage new and existing warehouse lending relationships with Relationship Manager
s. Receive Performance Award for serving as credit manager on Washington Mutual'
s first $1 billion line of credit.
Portfolio Risk Manager
Bank United
May 1999 - February 2001
Monitor financial statement and legal document compliance for nationwide mortgag
e warehouse lending program. Create reference materials and legal documents for
use by Relationship and Credit Managers. Serve as business line's liaison with i
nternal audit, loan review, and banking regulators.
Ensure compliance with business line's safety and soundness lending objectives.
Account Officer
Bank United
May 1997 - May 1999
Pioneer Texas Bank's commercial loan marketing efforts in the Mid-Atlantic and N
ortheast, creating a competitive analysis database/technique that is eventually
adopted by nationwide sales team. Cultivate and develop borrowing relationships
and managing all aspects of $500 million mortgage warehouse line portfolio.
Manager
Mortgage Finance Inc (affiliate of Saxon Mortgage)
June 1993 - May 1997
Manage all aspects of mortgage warehouse loan portfolio comprised of lines of cr
edit to small mortgage bankers throughout the U.S. Grow customer base from 12 cu
stomers to 75 customers. Initiate, manage, and terminate commercial paper facili
ty.

Assistant Vice President


First American Bancshares
January 1991 - June 1993
Manage sales, credit and fraud risk, and operations of $100 million regional war
ehouse lending program. Successfully collect on 25 defaulted commercial real est
ate loans, including unsecured lines to builders, raw land, office buildings, an
d subdivisions.
Management Trainee
First American Bancshares
February 1988 - January 1991
Graduate of comprehensive bank management training program including asset/liabi
lity management, corporate financial reporting, banking regulation, banking law,
consumer lending, mortgage lending, bank marketing, and personnel management. G
uest Teller School trainer for management trainees. Only liberal arts major in c
lass; graduated with honors.
SKILLS OVERVIEW
Activity FDIC Con-tractor WaMu Bank United Mtg
Finance Inc First Ameri-can Bnk
Mortgage/Real Estate fraud prevention and detection lecturer for Mortgage Banker
s Association, American Conference Institute, and Houston Chapter of the Associa
tion of Certified Fraud Examiners. Member of the Mortgage Bankers Association's
Fraud and Ethics Subcommittee. x
Create, staff, and manage fraud prevention, detection, and investigation team fo
r $16B commercial loan portfolio secured by mortgage and construction loans. Neg
otiate with electronic fraud detection companies and other vendors. Investigate
d mortgage loan repurchase claims. x
Travel to mortgage company/bank offices to assess loan underwriting, legal docum
entation, regulatory, and investor/agency compliance x x
Develop, evaluate and implement policies, guidelines, and procedures related to
commercial lending division. Create operational manuals, reports, and reference
materials. x x x
Serve as lead liaison with examiners, executives, legal counsel, and other divis
ions and departments during internal and OCC/OTS examinations. x x x
Present formal and informal reports to executive management re: credit, collater
al, and market risk. Work across business lines to collect data, calculate pote
ntial loss exposure, and formulate action plans at the division and individual l
oan levels. x x x x x
Set performance goals and standards for employees. Train, mentor, and evaluate e
mployees to eliminate deficiencies. Work across business lines to coach credit a
nd operations personnel. x x x x
Identify complex, problem loans, correcting deficiencies in credit and collatera
l quality, operations, management, policies, and other areas impacting safety an
d soundness. Supervise collateral management and collections. x x x x
Manage investigations of possible criminal activity and abusive practices by cor
porate customers as well as bank officers and executives. x x x x x
Work with legal counsel to assess legal and insurance claim validity and analyze
collectability on criticized and defaulted multi-million dollar credit faciliti
es. Interview officers, staff, and executives. Provide testimony and litigation
preparation support to civil and government attorneys. x x x
Evaluate underwriting and credit administration practices (loan limit, loan term
and structure, loan covenants and exceptions, compliance with laws and regulati
ons.) Recommend action to executive management. x x x x x
Assist internal and external legal counsel by drafting, editing, and reviewing l
egal documents and correspondence for current and defaulted credit facilities.
x x x x
Gather, research, and analyze corporate/mortgage company financial statements fo
r credit quality and compliance with loan covenants and projections. x x x x x

CHRONOLOGICAL EMPLOYMENT
Dates Company Description
Feb 2008 - Present Contractor FDIC Investigations and Asset Management Contracto
r.
Feb 2008 - Apr 2010 Self-employed
Houston TX Small business and executive coach.
Mar 2003 - Feb 2008 Washington Mutual Bank
Houston TX National Fraud Risk Manager for $9 billion commercial line of credit
portfolio secured by mortgage loans and residential real estate construction loa
ns.
Feb 2001 - Mar 2003 Washington Mutual Bank
Houston TX Credit Risk Manager for $1+ billion commercial line of credit portfol
io secured by mortgage loans.
May 1999 - Feb 2001 Bank United
Houston TX Credit Risk Manager for $1+ billion commercial line of credit portfol
io secured by mortgage loans.
May 1997 - May 1999 Bank United
Washington DC Relationship and Credit Manager for $500 million commercial line o
f credit portfolio secured by mortgage loans.
Jun 1993 - May 1997 Mortgage Finance Inc
(a division of Saxon Mortgage)
Columbia MD Relationship and Credit Manager of $75 million commercial loan portf
olio secured by mortgage loans.
Jan 1991 - Jun 1993 First American Bank
Washington DC Department Manager for $100 million commercial line of credit port
folio secured by mortgage loans. Workout Officer for 25+ commercial and resident
ial real estate workout loans, including A&D, construction, and commercial mortg
ages.
Feb 1988 - Jan 1991 First American Bank
Washington DC Management and Credit Training Program Trainee.
Feb 1986 - Feb 1988 First American Bank
Virginia Beach CA
Teller and Back-up Head Teller.
1978 - 1982 First National Bank of Sullivan County
Bristol TN Summer intern as Bookkeeper, Teller, Vault Teller, and Customer Servi
ce Representative.
TECHNICAL PROFICIENCY
Strong MS Office (Word, Excel, PowerPoint) skills. Proficient at researching ass
ets and individuals using DataVerify DRIVE, Dun & Bradstreet, Interthinx DISSCO,
Lexis-Nexis, MARI, MERS, and public records.
EDUCATION
* Certified Fraud Examiner (Association of Certified Fraud Examiners "ACFE;")
* ACFE courses on fraud litigation, expert witness preparation, interview techni
ques, receivables and payables fraud, and financial statement fraud;
* Certified Neuro Linguistic Programming Practitioner and educator (communicatio
n/motivation;)
* Mortgage Bankers Association seminars and courses re: mortgage lending and mor
tgage fraud. Graduate of MBA's School of Mortgage Banking III;
* American Bankers Association courses on Accounting, Banking Law, Financial Sta
tement Analysis;
* First American Bank NA Management Training Program graduate;
* Bachelors degree Shenandoah College.
AFFILIATIONS
Association of Certified Fraud Examiners. Toastmasters International.