FLAGSTAR BANK

The Servicing Operations Manager -- Property Tax will oversee and manage the daily mortgage servicing functions of the team, including real estate property tax administration and vendor management, in support of the strategic direction of the Servicing team as well as the Bank's overall initiatives. The position will drive change, develop business process improvements, meet regulatory and bank policy requirements, as well as coach, mentor and develop talent in order to meet company growth, profitability and customer satisfaction targets. The Servicing Operations Property Tax manager leads the property tax servicing line of business encompassing team development, process improvement prioritization, workflow, policies and procedures, tier one vendor management for outsourced activities, and regulatory compliance. Servicing Operations Property Tax management includes timely processing and tracking of property tax calculations and analysis, for both Flagstar Bank and its subservicing clients. The area utilizes both in-house team members and outsourcing business partners. Provide professional development of direct reports in leadership position. Meet with direct reports to solicit input from staff on best practices for job completion, staff performance and departmental goals along with evaluation processes. Provides key leadership and guidance to in-house servicing team members (10+) and vendor relationships to inspire the creation and development of new processes and control environment. Provide oversight and guidance when preparing for internal and external audit. Play active role when Auditors are onsite, including divisional response to audit finding along with developing a remediation plan for noted issues to prevent recurrence of similar types of issues. Ensure requests from internal partners including audit responses are thorough and completed timely. Ensure team is working proactively to mitigate and resolve issues before becoming internal audit items. Participate in regulatory exams to represent the Servicing Property Tax function. Work with Tier 1, 2 & 3 (4+) outsource vendor's to monitor contractual responsibilities, provide regular feedback on service levels, and manage SLAs, SOWs and contracts for changes and amendments. Develop and maintain strong collaborative and strategic relationships with internal and external business partners. Effectively communicate critical announcements to all servicing and executive leadership. Actively participate as a member of the Performing Servicing leadership team to foster process improvement, compliance, quality, growth, and client experience excellence. Primary business line relationship for critical tier one vendors performing escrow operational functions. Work effectively with Compliance, Legal and Servicing Support to implement changes to comply with changes in both investor (GSE) guidelines as well as federal and state laws and regulations Ensures compliance with applicable federal, state and local laws and regulations. Completes all required compliance training. Maintains knowledge of and adhere to Flagstar's internal compliance policies and procedures. Takes responsibility to keep up to date with changing regulations and policies. Job Requirements: 6+ years of professional work experience with increasing leadership responsibilities with an emphasis on mortgage and mortgage servicing, including specific emphasis in real estate property tax analysis. Overall servicing experience a must. 3+ years of experience with servicing systems, including MSP/Black Knight 3+ years leadership experience. Bachelor's Degree Preferred or equivalent work experience (Business Administration or Accounting) Current strong understanding of investor and regulatory requirements and guidelines. Demonstrated success building, leading, and motivating teams. Strong interpersonal skills; team player with the ability to create structure and coordinate a variety of team member work styles to execute activities at a high level of quality and skill. Strong skills using Excel, Word, Adobe, PowerPoint or equivalent presentation software Self-starter, self-directed, influential, articulate and ability to distill complex information into easily understandable content. Demonstrated ability to define and resolve problems, exercise sound judgement and make good decisions Establish critical timelines and effectively drive team and operations to meet deadline expectations. Excellent written and verbal communication skills with the ability to maintain confidential information. Strong collaborator with ability to interface successfully with all levels of the organization Experience with Servicing software, preferably MSP servicing system Experience with contract (RFP, MSA and SOW) review, negotiation and execution is required Internal Use Only: Band E

A sales and service position with a primary goal of helping customers by discovering financial needs and processing transactions. Financial Service Representative (FSR) will provide an outstanding customer experience by resolving customer issues, making referrals to team members, opening new accounts, and offering convenience services. FSRs will also work with partnered specialists (loan officers, financial consultants, and business bankers) to ensure our customers have access to experts who can help them achieve their financial goals. Position is responsible for being a role model for Flagstar Bank's customer-centric culture, while embracing diversity and maintaining ethics and integrity. This entry level branch position will be responsible for assisting the team in meeting branch goals. This position will be cross-trained on opening accounts and will be the primary back up for opening accounts when a Banker is not available. Job Responsibilities: Process Transactions/Customer Service. Greet customers and ask questions to determine their needs. Process financial transactions (cash and non-cash bank transactions, balance inquiries, cashier's checks, money orders, cash advances with credit cards, etc.) in an accurate and efficient manner in accordance with operational and regulatory guidelines. Assist with customer questions and/or issues relating to their accounts. Demonstrate strong customers service skills and the ability to resolve problems and prevent customer dissatisfaction. The FSR position is one of the primary transaction positions within a branch. Meet and exceed sales and referral expectations by working with customers to build and deepen relationships by uncovering financial needs, and recommending the best products, services and solutions to meet those needs. Ensure the customer's needs are met by partnering with the appropriate specialist (branch team, FC, and MLO) to serve the customer's banking, mortgage and investment needs. This may include participation in 'Call Nights'. Maintain operational standards including balancing cash drawers at the end of each shift, processing CTR reports and transactions, and opening and closing procedures of the branch. May also include ATM and vault balancing, opening and closing procedures of the branch, etc. Acquire and maintain up-to-date knowledge of applicable policies, procedures, guidelines and bank operating systems. Job Requirements: 6+ months cash handling experience required 1+ years of finance, sales or customer service experience required HS Diploma, GED or Foreign Equivalent, required Ability to welcome and establish relationships by getting to know every customer in order to provide an outstanding customer experience. Demonstrated computer proficiency Educate clients on bank products and financial services and make referrals when a potential opportunity has been identified Strong listening, verbal and written communication skills Demonstrated ability to work well in a team environment Demonstrated ability to follow company policies, guidelines and procedures Strong attention to detail and ability to multi-task Demonstrated ability to maintain confidentiality using tact and diplomacy Maintain professional dress attire and demeanor Ability and willingness to work branch hours, including weekends and some evenings Internal Use Only: J-hrly band

This position is responsible for assisting businesses in implementing technology solutions in a cost effective manner by determining the requirements of a project or program and communicating them clearly to all stakeholders. Business analysts may be assigned by project, line of business or technology platform and are expected to participate in every stage of the development lifecycle, from analysis and design through testing, release and maintenance while adhering to current System Development Methodology (SDM) processes. Business analysts work closely with various customers including their immediate project teams, business unit representatives and other technical staff members, often facilitating and coordinating the communication among all parties. The senior business analyst will be responsible for working on the most complex business projects and will be responsible for providing strong advice and counsel to their customers on solution design and implementation. Additionally, the senior business analyst will be responsible for mentoring more junior colleagues. Works with businesses to identify ways to improve process execution and achieve strategy through the use of technology. Evaluates the overall business need and assists with design and implementation to ensure solutions achieve overall business objectives. Develops a roadmap for meeting the short and long term objectives. Acts as a primary member of the project team, overseeing and documenting decisions that occur throughout the project lifecycle. Elicits specific requirements using interviews, document analysis, requirements workshops, surveys, site visits, business process descriptions, use cases, scenarios, business process analysis and task and workflow analysis. Writes requirements and translates specifications to technical experts. Serves as the liaison between the customer community (internal and external customers) and the software development team through which requirements flow. Identifies potential technical problems before they occur and helps implement solutions by thoroughly validating all system changes relative to assigned work. Works with the business technology team as an advocate of the business unit supported. Critically evaluates information gathered from multiple sources, reconciles conflicts and distinguishes user requests from the underlying true need. Documents technical information, project information and develops training material. Writes and executes test scripts. Collaborates on tasks with project team members with clear deliverables and expected time frames. Follows up on progress of tasks. Maintains accountability for all items. Monitors progress of project and works to overcome challenges. Influences others to achieve project results. Escalates issues when necessary. Ensure compliance with applicable federal, state and local laws and regulations. Complete all required compliance training. Maintain knowledge of and adhere to Flagstar's internal compliance policies and procedures. Take responsibility to keep up to date with changing regulations and policies. Job Requirements: Bachelor's Degree plus 7 years work experience preferred (as described in the minimum years of experience below) - OR - 10 years comparable work experience 7 years of experience working directly with technology or interfacing with technology 4 years of experience working on moderate to complex projects Proven strength in interpreting customer business needs and translating them into application and operational requirements. Strong experience with incident management, leading both on and off-hours ad hoc support teams Strong experience with various software development methodologies such as Agile, SCRUM, Waterfall, etc. Strong experience building, writing and executing test cases (using technologies such as HP Quality Center, Selenium, Loadrunner, is a plus) Strong communicator - Ability to communicate verbally and in technical writing to all levels of the organization in a proactive, contextually appropriate manner. Proven ability to prioritize work by dividing time, attention and effort between assigned workload and on-going support tasks Strong analytical and problem solving skills Proven ability to easily adapt to changes in processes, procedures and priorities Strong organizational skills Strong understanding of business process Strong ability to think through workflows and the characteristics that make each workflow different IIBA certification preferred as well as training in SQL For Internal Use Only: Band E

Sr. Auditor: The Senior Auditor will be responsible for executing audit activities, as assigned. This person will ensure that internal controls are in compliance with policies, procedures, agency guidelines, and laws while supervising audits and internal audit staff. This position requires experience in the audit and/or risk management profession. In addition, strong written and oral communication is required in order to effectively undertake sophisticated audits which are material to FSB. Responsible for supervising organizational audits; developing and maintaining positive relationships with auditees; coordinating with FSB Internal Audit leadership and staff; exercising professional auditor judgment; ensuring quality in compliance with regulatory and Institute of Internal Auditors professional guidance (the IPPF); maintains objectivity and independence in forming audit conclusions and reports. Auditor: The Auditor will be responsible for auditing operational, regulatory, IT and/or financial areas within the Bank under the direction of management. This person will utilize data analytics and other audit testing techniques to ensure that internal controls are in adequate and effective, in compliance with policies, procedures, regulatory and agency guidelines and laws. Experience in financial services industry is desired. In addition, data analysis capabilities as well as strong written and oral communication is required in order to effectively execute internal audit work. Responsible for planning and executing audits under the direction of management; demonstrate proficiency by the exercising of professional auditor judgment; maintaining objectivity and independence in forming audit conclusions and reports. Sr Auditor: Document, review, perform testing, evaluate, and communicate on the organizations systems of internal controls to ensure adherence to policies and procedures, agency guidelines and applicable statutes, and regulatory requirements. Work with department management and designated employees on audit objectives and manage the audit planning process, including announcement memo, audit scope, and work paper assignments. Coordinate audit communications throughout the audit, including planning memos, opening meeting, status update meetings, and exit meetings. Perform wrap up activities, including work paper detailed (1st level) review, compiling audit reports and audit finding follow-up. Researches issues and makes recommendations to improve policies or procedures accordingly. Collaborate and leverage resources to maximize audit effectiveness & efficiency and enhance staff development. Ensures compliance with applicable federal, state and local laws and regulations. Completes all required compliance training. Maintains knowledge of and adhere to Flagstar's internal compliance policies and procedures. Takes responsibility to keep up to date with changing regulations and policies. Auditor: Audit Fieldwork Execute fieldwork, conduct data requests and analysis, document audit testing and work papers in compliance with IIA professional standards and the Flagstar IA methodology. Review results with Lead/Senior Auditor and management, and assist in communications on the systems of internal controls to ensure that internal controls are adequate and effective, comply with internal policies and procedures, agency guidelines and applicable statutes, regulations, and regulatory requirements. Research potential issues or concerns and make recommendations to improve processes and address risk accordingly. Audit Planning & Reporting As needed, assist Lead/Senior Auditors, department managers and designated employees with: The audit planning process, including announcement memo, audit scope and planning, opening meeting, and work paper assignments under the direction of Lead/Senior Auditor and management. Assist in activities related to coordination of audit communications throughout the audit including status update meetings, and exit meetings. Perform wrap up activities, including clearing of review notes and assisting in draft of findings, observations and audit reports. Data Analytics Work with Lead/Senior Auditor, management and IT / data analytics team members to plan to maximize opportunities for data analytics, automation and/or continuous monitoring. Job Requirements: Sr Auditor: Bachelor's degree required; field of study preferred in Accounting, Finance, Business Administration or a related field. Professional Certification/License: CIA, CPA, CISA, CRCM or CFE Certifications Preferred Specialized Training: Commercial Loan Knowledge Preferred Minimum of 5 years of experience working in internal audit, bank operations, financial, risk, or similar type of function. Ability to supervise staff, when needed. Financial institution industry experience is highly preferred. Thorough knowledge of Bank/Corporate operating policies and procedures and Federal and State regulations. Previous experience working with a public accounting firm is preferred. Excellent interpersonal communication skills (written & verbal). Excellent quantitative and analytical skills. Strong organizational skills. Requires significant independent thinking - interprets and adapts from established practices Travel: 0 to 10% Auditor: Bachelor's Degree Required (Accounting, Finance, Technology, or Related Field) Minimum of 3 years of experience working in internal audit, operations, financial, risk, or similar type of function. Financial services or other highly regulated industry experience is preferred. Experience with regulatory compliance guidelines preferred. Strong knowledge of bank/corporate operating policies and procedures and Federal and State regulations. Excellent interpersonal communication skills (written & verbal). Strong quantitative and analytical skills (e.g. Excel, ACL, other data analysis tools) Strong organizational skills. Strong critical thinking skills. Experience with regulatory compliance guidelines. Ability to work well with various levels of management CIA, CPA, CISA, CRCM or CFE Certifications Preferred 0-10% Travel Required Internal Use Only: Band G for Auditor and Band F for Sr Auditor