🔹 Areas of Expertise
✔️ eCommerce Strategy, Omnichannel Commerce, Digital Growth, Performance Marketing, KPI & P&L Ownership, Team Leadership, Marketplace Expansion, DTC & B2C Operations, Customer Experience (CX/UX), Site Merchandising & Trading, Forecasting & Budgeting, International Commerce

🔹 Tools & Channels
✔️ Shopify, Amazon Marketplace & Sponsored Ads, Paid Social (Meta, TikTok), GA4, Salesforce, Klaviyo, CRO & Retail Analytics (Optimizely, Hotjar, Helium 10), A/B Testing, CRO, SEO/SEM, Email/SMS CRM, Import/Export & Customs, Global Markets (US, Canada, Europe), Digital Strategy

🔹 Track Record
• 16 years in business, 15 years leading e‑commerce growth and digital strategy
• Built and sold an e‑commerce venture
• Scaled DTC & B2C sales across the US, Canada, and Europe
• Grew DTC sales 202 %, repeat revenue 157 %, new‑customer revenue 81 %
• Reduced acquisition cost 76 % and platform costs 69 %
• Managed a Shopify store with 100 K+ monthly visitors; lifted AOV 20 %
• Achieved 55 % YoY Amazon growth through Sponsored Ads and data‑led content
• Directed $300 K+ paid‑social spend (Meta & TikTok); earned 150 % ROI and 27 % higher conversion
• Activated lifecycle automation in Salesforce & Klaviyo; boosted LTV and cut churn 31 %
• Ran iterative CRO / A‑B tests; raised engagement 45 %
• Handled import/export & customs flows with 98 % on‑time delivery
• Led and mentored 20 + cross‑functional specialists across marketing, logistics, CX, and analytics

Sertac Yaman

Triad

•	Created cross-functional training for Compliance: TRID, HMDA, and CFPB rules and regulations. 
•	Completed 100+ audit reviews monthly on loans sold to investors
•	Analyzed and reported on loans for compliance with AML, TRID, HMDA, and other regulatory requirements.
•	Designed and Implemented policies and procedures for the Titling team where none existed. 
•	Created a plan for the Conversion team to improve overall process flow and provided detailed guidance on processes that are still needed. 
•	Reported to executive management alternatives for managing the conversion and titling teams until a final decision is made as to the life of these teams.
•	Point of escalation for Conversion and Titling teams, served as the central coordination point for customer and third-party escalations.
•	Supported Executive Management, Training & Development, Compliance, Operations, various LOBs, and Client/Customer relationships.
•	Assisted IT with the design of mortgage fulfillment platforms, optimizing production, generating custom pipelines, and reporting.
•	Reviewed existing or created processes for more efficient or alternative methods to achieve objectives and provided detailed reporting on alternatives and resolutions.

QC Specialist_Titling Supervisor

Spring EQ LLC

•	Maintained current working knowledge of all Compliance, Agency, FHA, USDA, and VA revisions, and updates to ensure that all updates to guidelines accurately reflect established best practices, standards, and requirements.
•	Completed audit reviews on loans sold to investors and assigned deficiency tasks to the proper departments for resolution. 
•	Identified, assigned, and remediated deficiency findings/tasks to the proper individuals for resolution and mitigation.
•	Analyzed loans for compliance with AML, TRID, and other regulatory requirements. 
•	Reviewed existing processes for more efficient or alternative methods to achieve objectives and provided detailed reporting on alternatives and resolutions.

Sr. Condition Resolution Specialist 

Finance of America Mortgage LLC

•	Partnered and collaborated with compliance and underwriting teams to interpret and implement new policies and procedures and work toward developing consistent processes and practices for AML; KYC; TRID; HMDA; and other regulatory requirements.   
•	FHA and GSE Subject Matter Expert liaison for organization to FHA, VA, FNMA, and FHLMC to cure and communicate loan deficiencies, ensuring loans become complete purchases and not re-purchase demands. 
•	Developed, reviewed, implemented, and maintained reporting on all aspects of the Underwriting Teams and individual Underwriters to ensure adherence to established company performance metrics, guideline requirements, and policies. 
•	Led Underwriting Teams, increasing quality decisions and clearing loans to close, by 20%, from 750 to 900 loans monthly, while maintaining a 95% accuracy and quality standard. 
•	Senior point for escalations of business decisions and exception writeups for approval.
•	Led secondary audit reviews at random, verifying 95% + quality of each Underwriter and tracking trends, providing coaching and training, which improved quality and accuracy standards by 20%. 
•	Stayed current with Compliance, Agency, FHA, USDA, and VA changes and updates and disseminated these changes accordingly.
•	Spearheaded the training of all new hires to the Underwriting Teams and provided comprehensive recommendations, training materials, and action plans to foster knowledgeable, productive, engaged, well-developed teams and individuals.

SME Compliance, Underwriting, Training & Development

Digital Risk c/o Bank of America

•	Reviewed and analyzed the Underwriting process to ensure adherence with all GSE, FHA, and CFPB federal regulations.
•	Analyzed risk factors against GSE, FHA, and other lending products to ensure maximum production and efficiency
•	Senior point for escalations of business decisions and exception writeups for approval.
•	Mentored and trained new hires and provided a comprehensive understanding of company underwriting guidelines and relevant laws and regulations to facilitate exceptional performance and quality levels. 
•	Developed and implemented multiple improvements to existing policies and procedures while maintaining the organization's quality, production standards, and metrics.
•	Maintained knowledge and understanding of underwriting guidelines and communicated guidelines, policies, and procedures to staff and external stakeholders. 
•	Evaluated the design, operating effectiveness, and mitigating controls of all audit areas, analyzed risk factors for all lending products, and ensured adherence with all GSE, governmental, and CFPB regulations. 
•	Conducted secondary audit reviews randomly to assess the quality of individual Underwriter work, providing guidance and support to the team and individuals, ensuring quality standards of 95% + and supporting improvements which increased accuracy and quality standards by 15%

Underwriting Manager

LoanLogics, Inc.

•	Led and supported a team of 20+ Auditors and Underwriters (onshore and offshore) while facilitating the completion of 950+ monthly audits.
•	Increased quality and production by 15%, with minimal employee turnover, within the first 12 months.
•	Spearheaded various projects, training, and professional development opportunities for auditors and associates, fostering highly-skilled, knowledgeable, and well-engaged teams and individuals.
•	Monitored and identified compliance and quality improvements through data management, analysis, and reporting.
•	Developed and implemented multiple improvements to existing policies and procedures to support redesigning underwriting guidelines, fostering regulatory compliance, and maximizing process efficiency. 
•	Conducted performance reviews for all direct reports and partnered with individual staff to identify and positively impact performance trends to help yield high-quality production results. 
•	Coordinated weekly meetings for internal and external clients to provide reporting for ongoing projects, analyze existing processes, and discuss recommendations for potential improvements.

Compliance Underwriting Audit Manager (Pre-Close, Post-Close, and Investor Pre-Fund)

Opus CMC

•	Performed forensic, credit, compliance, and other varying analyses and reporting on originated and closed real estate mortgage transactions for various alleged deficiencies and according to specific established requirements.  
•	Met underwriting production and quality standards and metrics issued by the organization. 
•	Monitored and identified compliance and quality improvements through data management, analysis, and reporting.
•	Evaluated the financial strength of borrowers to determine risk and repayment capacity. 
•	Coordinated with various internal team members and cross-functional areas to resolve issues and proactively implement process improvements to mitigate unnecessary errors.

Senior Forensic Underwriting Analyst 

JPMorgan Chase & Co.

•	Identified and initiated all avenues of recourse optioning available for repurchase demands and title claims, and defended lender from an investor, FNMA, FHLMC, and MI claim repurchase demands.
•	Led due diligence, forensic, portfolio analysis, compliance, collateral, default, PBO, RPD, and REO audits.
•	Monitored and identified compliance and quality improvements through data management, analysis, and reporting
•	Developed processes and best practices for Operations, Sales, Compliance, and Production teams, based on trends from audit project findings.
•	Consistently and effectively ensured loan compliance with mortgage lending laws and regulations 
•	Collaborated with management to identify opportunities to develop and implement projects aimed at promoting and furthering the missions of the function of the organization. 
•	Coordinated weekly meetings for internal and external groups to provide reporting for ongoing projects, analyze existing processes, and discuss recommendations for potential improvements.

Officer – CRF MB Forensic Compliance Underwriter

Results-driven, detail-oriented professional with extensive management, underwriting, regulatory compliance, audit due diligence experience, and a proven track record of developing and implementing training to maintain relevance in an ever-changing landscape. Prioritize and communicate effectively with internal and external clients of all levels. Worked closely with Regional Underwriting, Compliance, Sales, and other Lines of Business throughout many regions, ensuring AML, KYC, TRID, OFAC, and all other aspects of  Regulatory Compliance and guidelines were adhered to while creating forward momentum to increase production and quality standards, while helping everyone involved in the Lines of Business, my Teams, and the organization, achieve their very best!

Regulatory Compliance | Credit & Collateral Underwriting | Management | Fraud | Risk | Audit | 
Contact: susiebonesz71@gmail.com   Cell: 904-945-0368
•	Credit & Collateral Risk Management
•	Underwriting (Production & Leadership)
•	Training & Development
•	Client Management & TPO Oversight
•	Project Management
•	Regulatory Compliance, State & Federal: 
AML, BSA, KYC, HMDA, TRID, Fair Lending, ECOA…
•	Strategic Data Analysis
•	Stakeholder Engagement
•	Fraud Risk Analysis	
•	Complex Financial Review
•	Operational & Reputational Risk oversight
•	Risk & Reporting Management
•	Lending & Audit oversight
•	Exceptional Interpersonal & Communication skills
•	Onshore & Offshore Leadership
•	Proficient Computer skills (Microsoft & other Software)	
Contact me anytime with anything that fits any open positions or if you have any questions.  Email: susiebonesz71@gmail.com   Cell: 904-945-0368

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Sertac Yaman

Susan Bonesz

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