• Corporate position responsible for designing, implementing and monitoring standards for compliance with laws that govern fair lending and Unfair, Deceptive or Abusive Acts of Practices (UDAAP). • Implemented UDAAP program to expand risk management to encompass customer experience matters and reputation risks beyond specific regulatory requirements. All key program elements (e.g., risk assessment and metrics, policies, training, third party oversight, marketing review processes, change… Show more • Corporate position responsible for designing, implementing and monitoring standards for compliance with laws that govern fair lending and Unfair, Deceptive or Abusive Acts of Practices (UDAAP). • Implemented UDAAP program to expand risk management to encompass customer experience matters and reputation risks beyond specific regulatory requirements. All key program elements (e.g., risk assessment and metrics, policies, training, third party oversight, marketing review processes, change management controls and complaint analysis) are designed to ensure customer experience risks are properly identified, measured, controlled and reported.• Provides oversight and direction to business lines. • Designs and directs processes to identify and mitigate risk and correct control deficiencies. • Analyzes data, including conducting statistical regression analyses to identify potential harm to consumers. • Compiles and analyzes complaint information to identify opportunities to mitigate UDAAP and fair lending risks.• Works collaboratively with business line compliance staff to evaluate and, if necessary, enhance risk management programs. • Point of contact for CFPB and prudential regulators on matters related to fair and responsible banking.• Publishes state of compliance reports to business line leaders, corporate executives and the Board of Directors. • Escalates regulatory and reputation risk matters as appropriate. Show less

• Corporate position responsible for establishing and monitoring standards for compliance with federal and state laws that govern fair lending and Unfair, Deceptive or Abusive Acts or Practices (UDAAP).• Provided guidance to business management regarding responsible banking compliance including developing policies and procedures, designing controls, advising on regulatory matters and overseeing enforcement actions.• Designed and directed risk assessment processes related to risk… Show more • Corporate position responsible for establishing and monitoring standards for compliance with federal and state laws that govern fair lending and Unfair, Deceptive or Abusive Acts or Practices (UDAAP).• Provided guidance to business management regarding responsible banking compliance including developing policies and procedures, designing controls, advising on regulatory matters and overseeing enforcement actions.• Designed and directed risk assessment processes related to risk identification, control effectiveness and remediation of fair lending and UDAAP regulatory requirements.• Analyzed data, including customer experience information gathered from complaints to identify opportunities to mitigate UDAAP and fair lending risks. • Responsible for developing and delivering corporate-wide fair lending and UDAAP training to approximately 150,000 employees. Show less

• Senior leadership position with oversight responsibility for compliance with the Community Reinvestment Act (CRA), Fair Lending and Home Mortgage Disclosure Act requirements (HMDA).• Developed and implemented CRA strategy that included providing consultation on innovative products, programs and services to ensure “Outstanding” CRA rating for all Wachovia charters.• Worked with Community Relations Executives and other internal leaders to respond to market opportunities for lower income… Show more • Senior leadership position with oversight responsibility for compliance with the Community Reinvestment Act (CRA), Fair Lending and Home Mortgage Disclosure Act requirements (HMDA).• Developed and implemented CRA strategy that included providing consultation on innovative products, programs and services to ensure “Outstanding” CRA rating for all Wachovia charters.• Worked with Community Relations Executives and other internal leaders to respond to market opportunities for lower income communities• Managed relationships with community organizations and government and regulatory agencies.• Provided oversight and direction for Wachovia’s fair lending compliance program.• Managed the development of quantitative tests, including statistical analyses, to identify possible disparate treatment or impact.• Recommended and implemented corrective action.• Primary point of contact and lead for fair lending and CRA regulatory examinations.• Ensured timely government filing and reporting of HMDA and CRA data. Show less

• Reported to Chief Risk Officer• Responsible for coordinating and managing corporate compliance function for Countrywide Financial Corporation• Provided oversight for regulatory compliance within a decentralized compliance structure for the bank holding company. • Directed compliance with consumer protection regulations including Truth in Lending, Truth in Savings, Electronic Funds Transfer, AML / BSA, Privacy, Home Mortgage Disclosure Act, Community Reinvestment Act, fair lending… Show more • Reported to Chief Risk Officer• Responsible for coordinating and managing corporate compliance function for Countrywide Financial Corporation• Provided oversight for regulatory compliance within a decentralized compliance structure for the bank holding company. • Directed compliance with consumer protection regulations including Truth in Lending, Truth in Savings, Electronic Funds Transfer, AML / BSA, Privacy, Home Mortgage Disclosure Act, Community Reinvestment Act, fair lending laws and regulations, SEC Rules, and Department of Insurance requirements.• Provided actionable reporting to executive management and the Board of Directors, including summary of residual risk.• Chairperson for Executive Compliance Committee reporting to the President and CEO of Countrywide Financial Corporation.• Responsible for development, completion and maintenance of an enterprise-wide compliance risk assessment system. • Ensured controls were adequate based on assessment of inherent risk.• Developed and maintained enterprise compliance policies and corporate training program.• Worked with business units to ensure implementation of business objectives while mitigating legal, reputation and regulatory risk.• Served as primary point of contact and lead for Federal Reserve, OCC and OTS compliance examinations. Show less

• Corporate responsibility for managing production and load administration and compliance

• Corporate responsibility for managing fair lending compliance and regulatory reporting

• Ensured compliance with state and federal consumer protection laws and regulations including the Truth-In-Lending Act, Real Estate Settlement Procedures Act, the Community Reinvestment Act (CRA), and various predatory lending and anti-discrimination regulations• Responsible for CRA production and product development.• Worked with Credit Policy Administration, Secondary Marketing, and production staff to deliver CRA loan programs consistent with established goals.• Evaluated… Show more • Ensured compliance with state and federal consumer protection laws and regulations including the Truth-In-Lending Act, Real Estate Settlement Procedures Act, the Community Reinvestment Act (CRA), and various predatory lending and anti-discrimination regulations• Responsible for CRA production and product development.• Worked with Credit Policy Administration, Secondary Marketing, and production staff to deliver CRA loan programs consistent with established goals.• Evaluated effectiveness of current programs and recommended enhancements.• Provided guidance to production, operations and servicing staff and executive management regarding regulatory interpretations.• Developed and delivered compliance training to all areas of the company, including Fair Lending and CRA product training.• Supervised staff of 15 responsible for ensuring accurate reporting of HMDA data, completing fair lending reviews according to Inter-Agency Examination Procedures, developing CRA products and analyzing lending patterns.• Provided oversight for regulatory examinations conducted by the Office of Thrift Supervision. Show less

• Provided insight and guidance to all areas of Cal Fed Bank (Consumer Lending, Retail Banking, Commercial Real Estate Lending and Marketing), and to Cal Fed Bank subsidiaries (First Nationwide Mortgage and Auto One Acceptance Corporation) regarding compliance with fair lending regulations.• Prepared the company for the Office of Thrift Supervision’s Fair Lending Examination by conducting comparative file reviews, completing statistical testing of lending patterns, analyzing HMDA data, and… Show more • Provided insight and guidance to all areas of Cal Fed Bank (Consumer Lending, Retail Banking, Commercial Real Estate Lending and Marketing), and to Cal Fed Bank subsidiaries (First Nationwide Mortgage and Auto One Acceptance Corporation) regarding compliance with fair lending regulations.• Prepared the company for the Office of Thrift Supervision’s Fair Lending Examination by conducting comparative file reviews, completing statistical testing of lending patterns, analyzing HMDA data, and delivering staff training• Managed Community Outreach Officers who were responsible for ascertaining the credit needs of minority, and low-to-moderate income borrowers and minority communities.• Developed new products designed to address the needs of underserved communities.• Responded to customer allegations of discrimination.• Responded to discrimination complaints filed with the Department of Housing and Urban Development.• Provided counsel to the President and Chief Operating Officer on issues related to fair lending. Show less

• Conducted consumer compliance examinations, Community Reinvestment Act examinations and fair lending examinations of state-chartered financial institutions.• Assessed overall level of compliance with consumer protection regulations including Truth-In-Lending, Truth-In-Savings, Availability of Funds and Collection of Checks, Electronic Funds Transfer and Reserve Requirements of Depository Institutions.• Conducted compliance training for the examination of staff of the 12 district… Show more • Conducted consumer compliance examinations, Community Reinvestment Act examinations and fair lending examinations of state-chartered financial institutions.• Assessed overall level of compliance with consumer protection regulations including Truth-In-Lending, Truth-In-Savings, Availability of Funds and Collection of Checks, Electronic Funds Transfer and Reserve Requirements of Depository Institutions.• Conducted compliance training for the examination of staff of the 12 district Federal Reserve Banks.• Participated in Department of Justice referrals for fair lending violations.• Participated in development of the inter-agency fair lending examination procedures.• Analyzed data relating to community group challenges to mergers and acquisitions under the Community Reinvestment Act. Show less