Supervision and Examination

Support the company’s adherence to consumer lending protection and financial crime laws and regulations; collaborate with business partners, bank partners, vendors, and internal risk functions. Partner with colleagues at all levels and effectively manage compliance risk.Provide guidance around federal and state regulations under the purview of the CFPB, FTC, FinCen, OFAC, and state regulators including; BSA, AML/CFT, ECOA, GLBA, RFPA, UDAP, UDAAP, TILA, ESIGN, FCRA, EFTA, FACTA, FDCPA, CAN-SPAM, CARD Act, TCPA, SCRA, MLA, and CCPA. Perform Compliance risk assessments. Conduct enterprise wide compliance training, review and update compliance policies and procedures, perform compliance reviews of marketing assets, participate in issue remediation oversight. Collaborate with the Legal Department leadership and attorneys.

Supported the SVP of Compliance - Collaborate with Management to ensure continuous compliance with all applicable federal, state laws and regulations. Provide regulatory compliance expertise to support strategic initiatives and advise business units in managing their compliance risk associated with business processes. Provide compliance coverage on assigned business projects and initiatives. Lead project implementation efforts for compliance related initiatives. Collaborate with business units and technology updates to identify and recommend solutions to support compliance needs. Research regulatory issues and respond to compliance questions posed by business units, using legal and regulatory reference materials. Manage and perform compliance risk assessments, monitoring and testing for areas of responsibility to ensure compliance with all applicable federal and state laws and regulations. Direct or perform reviews of the cooperatives forms, disclosures, notices and other materials for compliance with applicable laws and regulations. Develop and implement compliance related policies, procedures, monitoring, training, issue tracking and remediation. Manage the Fair Lending program by ensuring the analytics, risk assessment, testing, training, etc. are completed as per defined schedule. Manage the day-to-day effort of the Compliance staff, allocate assignments, and review related work products. Develop and implement risk assessment programs to identify high-risk regulations and relatedbusiness processes. Provide recommendations and input to rectify compliance deficiencies/concerns to senior and executive management in the operational practices and procedures of existing and new products and services. Brief Senior and Executive management on emerging trends and concerns in regulatory disseminations. Ensure cost effective control measures commensurate with business risks and internal policies and procedures are reviewed and approved by Executive Management.

Managed general compliance with all Consumer Regulatory Compliance Requirements. Administered the regulatory change management program for the Compliance Management Division by working with cross functional teams across the enterprise ensuring completion of the RCM lifecycle. Administered the complaints management program and ensured escalated complaints were researched and resolved appropriately, by working closely with the SVPs and VPs of Originations and Servicing and in some cases Legal, and provided quarterly reporting to senior management and the board of directors. Interpreted company policies and regulatory requirements to administer both programs. Assisted with Regulatory Exam Management. Guild Mortgage Company's 2021 Origination volume totaled more than $36 billion with 121,000 loans originated. The mid year 2022 Servicing portfolio included more than $75 billion in unpaid principal balances with more than 312,000 loans.

Analyzed accounts with AML alerts for disposition to open a case or close the alert. Analyzed and researched transaction data utilizing SQL queries of the core system, an Excel template, and the Actimize TMS.

Delivered sound financial services regulatory risk advisory services to large and midsize banks and larger participants. Sourced compliance remediation, baseline risk assessments, and other management consulting engagements via top advisory firms and large CPA firms. Self-sourced consulting engagements via regulatory agency issued consent orders and stipulations of settlement, including engagements related to compliance remediation, risk assessments, governance frameworks, compliance management systems, compliance monitoring and testing, as well as internal audits in risk and compliance.

Conducted an enterprise-wide regulatory risk and operations risk assessment for UDAAP.

Managed the Bank’s Compliance Management System (“CMS”) ensuring that regulatory compliance risks were mitigated throughout the Bank, especially for consumer compliance regulations and requirements. Liaised between CPA firm Internal Auditors and Bank Department Heads and Bank Senior Management for all internal audits across the business. Approved the annual Audit Plan and the scope of individual audits; tracked open issues. Deputy BSA/AML/OFAC Officer, supervised 3 Compliance Analysts.

Maintained oversight of compliance for the LDF Holdings loan portfolio of $500M, including its 13 LLC subsidiary companies, along with the LDF licensed partner FinTech firms operating each lending platform. Established and utilized a comprehensive CMS program based on the CFPB regulatory requirements, which was approved and adopted by the Board of Directors, including members of the Tribal Council. Managed regulatory examinations and the complaints management program. Administered the compliance training program and administered the vendor management program. Supervised and managed 2 compliance department staff members and 1 auditor (consultant).

Provided the Corporate Compliance Group of Discover Financial Services with risk advisory services regarding UDAAP and Fair Lending and other consumer facing regulations, such as the Privacy Act, TILA, RESPA, and ECOA. Reviewed and updated compliance PnP’s and created business unit and compliance RACI models to strengthen processes regarding compliance group and business group procedures and interactions. Assisted in building a UDAAP monitoring program and a vendor management assessment with UDAAP and Fair Lending touch points.

Led and directed a risk based audit at Seneca Mortgage Servicing focusing on compliance with the updated CFPB Mortgage Servicing Rules impacting the loan servicing life cycle. Briefed DLA senior management on progress and findings and developed the final report to the client's CEO as he was the audit sponsor. Supervised the audit work of a senior consultant who is also an attorney licensed in the state of New York.

Assisted in consumer compliance and fair lending engagements, including the creation of risk assessments and completion of remediation reviews at clients; Discover Financial Services (Discover Bank), U.S. Bank, and Harley Davidson Financial Services (Eagle Mark Savings Bank).Assisted clients with addressing enterprise-wide compliance, including compliance risk management programs, third party compliance reviews, Privacy/Customer Information Security, Fair Lending, CRA, HMDA, and UDAAP.

BSA/AML and Consumer Compliance examiner; conducted extensive investigations; used highly technical analysis and judgment in supervision and enforcement activities. Performed examinations primarily at Citibank including; General BSA/AML monitoring and testing remediation exam and ongoing supervision, UDAP remediation exam and ongoing supervision, and internal audit ongoing supervision. Examinations at other banks included exams at; JPMorgan Chase, $3T in assets, - BSA/AML Financial Crimes and Investigations Unit exam; American Express Financial Services, $132B in assets, - Internal Audit and UDAP exams; People’s United Bank, $63B in assets, - FDPA (flood) exam.

Examined banks with assets over $10 billion. Assisted in conducting Compliance Management System Reviews, Point in Time Examinations, and Targeted Reviews by product and by compliance risk, including risks associated with Federal Reserve regulations that protect consumers, such as, TISA, ECOA, HMDA, EFTA, Privacy, TILA, RESPA, UDAAP, Fair Lending.Lead examiner on lending portions of Consumer Compliance examinations. Wrote conclusion memos with MRA's (mandatory corrective actions), assisted in writing supervisory letters, and worked on concurrent exams with Prudential and State regulators; analyzed systems, reports, PnP’s, practices and processes. Banks examined included; TD Bank, N.A., $274B in assets; Ally Bank, $122B in assets; Bank of China, $55B in assets; Astoria Bank acquired by Sterling National Bank, $14B in assets; FirstBank Puerto Rico, $12B in assets; Mortgage Master acquired by Loan Depot, $5.4B in mortgage loan origination volume.