Ms. O’Toole was the Homeownership (HOC) / Executive Director for the U.S. Department of Housing and Urban Development (HUD) managing 175 staff and five (5) distinct divisions, including FHA mortgages, Real Estate (HUD Homes), Operations, Quality Assurance Lender Oversight and Fraud Investigations.
She began her HUD career as the Quality Assurance Director, ensuring compliance with FHA. She began her HUD career as the Quality Assurance Director, ensuring compliance with FHA mortgage rules and regulations, responsible for stopping fraud, waste and abuse of FHA government programs, and protecting consumer rights.
In 2008 Ms. O’Toole was awarded one of HUD’s highest awards, the prestigious Secretary’s Award, for her development of Compliance and Monitoring Training and Internal Quality Controls to prevent fraud and waste and prevent losses to the FHA fund.
In 2005, Ms. O’Toole received awards for the development of the new Real Estate Brokers Outreach Program (REBOP) to extend outreach, education and training to the Real Estate Brokerage community pertaining to new FHA loan products and programs.
Prior to joining HUD, Ms. O’Toole was Department Head of Real Estate for FDIC and RTC, resolving over $45 billion dollars in real estate loans and developing Affordable Housing programs;
She appeared before the U.S. Congress to advise on Government Lien Recoveries, Critique of IRS financial statements, reports, audits and collection practices;
Ms. O’Toole prepared Pilot Programs for the U.S. and Calif. State Treasuries on government loan and tax lien recoveries with goal to recover 1 billion dollars in California a year.
She volunteers at Assistance League of Laguna Beach and Irvine, raising revenue for EIP, an Early Intervention Program for delayed development infants and Early Start children’s educational programs.