Jennifer Ford-Smith's Curriculum Vitae

Over 9 years experience providing exceptional investigative research and fraud detection in a confidential financial setting, demonstrating superior leadership, organizational and analytical skills
Motivated: Spearheaded mortgage fraud investigation, the first attack on fraud in the industry involving Anton Pillar orders; managed teams and investigations across Canada.
Proactive: Implemented detection techniques that have caught millions of dollars' worth of fraudulent mortgage transactions, including individual transactions worth over $1 million.
Excellent written/verbal communication and interpersonal skills. Fluent in written and oral French and Spanish, can pick up any language quickly
Proficient in the Word, Excel (advanced), Access, Power Point, Outlook, basic computer programming.

I am seeking a challenging position working with great people. This stimulating position incorporates:

Fraud Investigation. There is nothing more satisfying than solving a puzzle: How was the fraud committed? Who was involved? How can we help those affected by fraud? I am driven to use these answers to improve business and industry standards.
Team Leadership. Working with high-performing teammates towards a common goal inspires passion for the task at hand. Leading that team to success offers challenges and infinite rewards.
Multilingualism. Being able to communicate with a wider audience across various markets provides greater understanding and access to information.

Manager, Global Security & Investigations TD Bank Group Toronto 2011-present	Managing a team that undertakes financial investigations across North America, with a focus on Ontario

Director, Credit Compliance Paradigm Quest Inc. Toronto & Vancouver 2007-2011	Established a specialized Audit and Fraud Detection Team to assess risk and provide fraud prevention training across Canada Remodelled the internal compliance processes company-wide ensuring compliance with national regulations and policies. Increased the compliance rating of the mortgage portfolio well above the industry standard of 90% within 12 months, providing a significant loss reduction As an integral member of the Risk Committee, provided regular statistical as well as analytical reporting to the Board of Directors concerning fraud trends, compliance and enhanced due diligence Thorough knowledge of police practices and requirements: Compiled mortgage fraud evidence and prepared investigative packages for use by law enforcement in criminal convictions, acting as a witness where necessary Worked closely with external stakeholders to ensure best practices and investor confidence Performed highly confidential internal investigations

Team Leader, Quality Control GMAC Residential Funding of Canada Toronto & Montreal 2005-2007	Led a team of bilingual Quality Control Analysts in Ontario and Quebec offices assessing and reporting on portfolio risk, compliance and fraud trends Spearheaded investigations and seizure of fraudulent mortgage application documentation using Anton Pillar orders and Mareva injunctions. As the lead investigator, worked to recoup over $7.5 million in fraudulent mortgage proceeds; worked closely with law firms, bailiff, provincial and federal law enforcement analyzing detailed financial transactions involved in money laundering, locating assets, interviewing individuals involved and identifying straw purchasers Detected over $35 million in mortgage related fraud per year: Developed and implemented a Fraud Prevention Program for all new mortgage underwriting staff and their managers Created a company-wide Access database used for fraud investigation case management, established sources of intelligence Managed multiple time-sensitive investigations across Canada requiring an in-depth knowledge of differences in provincial policy and regulations

Quality Assurance Analyst (Bilingual) ING Bank of Canada Toronto 2003-2005	Reviewed lending rationale of both mortgage underwriters and lending administrators (up to a $1.5 million signing limit), provided feedback to senior staff in a high-volume team environment Developed policies and procedures in a new division and new market sector to achieve business goals and reduce fraud Recipient of Lion's Roar award for fraud prevention: Worked with fraud department and law enforcement to asses lending risks associated with various policies and regulations across Canada. Received award for involvement in fraud prevention project, demonstrating passion and drive.

ACAMS Association of Certified Anti-Money Laundering Specialists Toronto ON 2008	Obtained and continues to maintain the CAMS certification

ACFE Association of Certified Fraud Examiners Toronto ON 2007	Obtained and continues to maintain the CFE certification

Honours BA, International Relations University of Toronto Toronto ON	Studies completed in English and French Major: International Relations Double minor: Economics, Spanish

I love to travel and explore the world. It is the best way to learn!

Growing up spending most of my time on a sailboat, I learned how to adapt to change quickly and developed a love for travel and for the outdoors. I definitely have the travel bug! After visiting roughly 30 countries, I have had many memorable experiences including the highs of a 2 day climb in Greece without food or shelter, to experiencing the hierarchy in a fishing village on the West Coast of India.

While my travels have provided me with stories and laughs for a lifetime, I still enjoy the thrills of getting to know every nook and cranny of my home city, Toronto.

If I'm not outdoors, you'll often find me at the gym or enjoying life with my friends :)

Thank you for taking the time to read my résumé.

I invite you to put me to the test!

Contact me via e-mail or phone and I would be pleased to meet with you in person.

– J. F-S

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