MIASHA MCDOWELL
Charlotte
Summary
Detail-oriented and dependable professional with extensive experience handling complex customer concerns, resolving disputes, and managing high-priority escalations. Strong background in process improvement, regulatory compliance, and cross-functional collaboration. Known for excellent written and verbal communication skills, critical thinking, and the ability to manage sensitive information in fast-paced environments. Dedicated to delivering exceptional service while supporting organizational goals and operational efficiency.
Overview
12
12
years of professional experience
Work History
Regulatory Member Relations Specialist
CHIME
07.2023 - Current
- - Investigate and resolve regulatory complaints submitted through agencies such as the CFPB, BBB, OCC, DFPI, and state Attorney Generals.
- - Handle complex issues involving identity theft, account closures, ACH and card disputes, fraud, and negative customer experiences.
- - Draft compliant, regulator-facing responses aligned with legal and operational guidelines.
- - Use Looker and SQL to research transaction data, member behavior, and system flags to support case investigations.
- - Manage the intake and triage process for incoming complaints, ensuring timely assignment via Zendesk and internal tools.
- - Collaborate with risk, compliance, and operations teams to resolve member issues and identify root causes.
Application Specialist
OneMain Financial
06.2023 - 12.2023
- - Updated and tested compliance forms to meet regulatory requirements and internal policies.
- - Collaborated with cross-functional teams to ensure proper implementation and version control of documentation.
- - Played a key role in QA testing and regulatory audits for updated systems.
Application Specialist II
HomeTap
01.2022 - 03.2023
- - Reviewed mortgage equity loan applications for eligibility and risk based on credit, income, and collateral.
- - Ensured compliance with regulations such as TILA and RESPA during the loan origination process.
- - Worked with underwriters to resolve discrepancies and ensure timely approvals.
Processing Expert
Better Mortgage
01.2021 - 01.2022
- - Streamlined loan documentation workflows, reducing average processing time by two weeks.
- - Maintained 95%+ quality rating through careful review of closing documentation.
- - Created custom dashboards in Salesforce and Jira to monitor customer trends and reduce escalations.
Business Associate
Wells Fargo
06.2019 - 11.2020
- - Supported business banking relationship managers handling clients with $5M+ in revenue.
- - Processed new account requests, claims, and documentation reviews to maintain compliance.
- - Provided financial analysis and insights for client portfolios.
Business Phone Banker
Wells Fargo
04.2017 - 06.2019
- - Delivered expert support on banking products, transactions, and financial tools.
- - Educated clients on digital banking systems and fraud prevention practices.
Human Resources Specialist
U.S. Army Reserves
02.2013 - 03.2017
- - Managed confidential personnel records and led process improvements in data tracking and reporting.
- - Supported multi-project coordination and ensured timely HR service delivery.
Skills
- Regulatory Investigations (CFPB, BBB, OCC, DFPI); Zendesk, Looker, SQL, Salesforce, Jira; Complaint Handling (ID Theft, Disputes, Fraud); Escalation Management & Root Cause Analysis; Banking Compliance (TILA, RESPA, KYC); Microsoft Office Suite; Written Communication (Regulator Letters & Internal Memos); Intake Workflow Optimization; Cross-Functional Collaboration
Websites
Timeline
Regulatory Member Relations Specialist
CHIME
07.2023 - Current
Application Specialist
OneMain Financial
06.2023 - 12.2023
Application Specialist II
HomeTap
01.2022 - 03.2023
Processing Expert
Better Mortgage
01.2021 - 01.2022
Business Associate
Wells Fargo
06.2019 - 11.2020
Business Phone Banker
Wells Fargo
04.2017 - 06.2019
Human Resources Specialist
U.S. Army Reserves
02.2013 - 03.2017
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