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David Zabran
EVP Compliance at Nationwide Mortgage Bankers, Inc.
Professional Background
David Zabran is a seasoned Financial Services Compliance Officer who specializes in lending compliance. With an extensive career spanning various roles within the mortgage industry, he has developed a robust skill set in areas such as regulatory compliance, quality control, project management, team leadership, and underwriting. His journey through the financial services sector is marked by a deep understanding of both the operational and compliance aspects of mortgage lending, making him an invaluable asset to any organization he is part of.
Zabran currently holds the esteemed position of EVP Compliance at Nationwide Mortgage Bankers, Inc., where he spearheads compliance initiatives aimed at ensuring adherence to the ever-evolving regulatory landscape. His leadership and commitment to fostering a culture of compliance have enabled the organization to navigate complex regulations with confidence.
His career trajectory is impressive, having served in various compliance-related capacities with different esteemed firms. Prior to his role at Nationwide Mortgage Bankers, Inc., David notably worked as a Compliance Officer at SRE Mortgage Alliance Inc., where he played a crucial role in implementing and overseeing compliance programs. His tenure as SVP Compliance at Consolidated Analytics, Inc. allowed him to further refine his expertise in regulatory compliance, equipping him to handle various lending scenarios effectively.
Additionally, Zabran's experience as a Mortgage Compliance Officer at Opus Capital Markets Consultants involved crucial participation in vetting processes, ensuring that mortgage products adhered to regulatory standards. His early career with Opus Capital Markets Consultants showcased his versatility as he held various positions, culminating in leadership roles as Team Lead and Implementation Manager. This multifaceted career path underscores his adaptability and depth of knowledge within the mortgage compliance sector.
Education and Achievements
David began his academic journey at the University of Wisconsin-Madison, where he laid the foundation for his career in finance and compliance. His educational background provided him with the analytical skills essential for understanding the intricacies of financial regulations and compliance requirements.
Throughout his impressive career, David has garnered a wealth of certifications and knowledge in various regulatory frameworks, including TRID (TILA-RESPA Integrated Disclosure), QM (Qualified Mortgage), and ATR (Ability to Repay). He is well-versed in multiple statutes such as RESPA (Real Estate Settlement Procedures Act), TILA (Truth in Lending Act), ECOA (Equal Credit Opportunity Act), and HMDA (Home Mortgage Disclosure Act), among others. His expertise in these areas has been pivotal in assisting organizations in not only meeting compliance requirements but also in optimizing lending practices to benefit consumers and lenders alike.
Zabran is committed to continuous learning and professional development, ensuring he stays ahead of the curve in financial regulations and compliance best practices.
Achievements
David Zabran's career is adorned with significant achievements that highlight his dedication to excellence in compliance. One notable achievement is his ability to lead successful compliance audits, resulting in a streamlined process for identifying and mitigating risks associated with non-compliance. His proactive approach to compliance management has fortified the operational integrity of the institutions he has worked with.
Moreover, under his guidance, teams have effectively developed training modules that have empowered employees at all levels to understand the importance of compliance, thus fostering an informed workforce dedicated to ethical lending practices. David's initiatives have not only improved compliance knowledge but also encouraged a collaborative environment where team members consistently strive for excellence.
He has also been heavily involved in the implementation of compliance projects that have significantly reduced operational risks within organizations. Zabran's leadership skills have been pivotal in transforming compliance departments into essential components of organizational strategy, proving that compliance is not merely a regulatory necessity but a pathway to enhancing customer trust and satisfaction in the financial services industry.
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