Dana Peznowski, Crcm Email & Phone Number

Troy, Mi, Us

Troy, Michigan, United States

• Provide subject matter expertise with respect to federal and state laws and regulations impacting mortgage originations and mortgage servicing • Responsible for company-wide state licensing and insuring matters • Actively monitors the risk-taking activities and risk exposure to ensure the company’s risk management policies and strategies are in compliance with applicable regulations, the company’s strategic objectives and the Board of Directors’ risk appetite• Works with senior management in making strategic decisions and planning, seeking to optimize risks in the organization.• Responsible for the leadership, governance and management necessary to identify, evaluate, mitigate and monitor risks throughout the company. • Responsible for all risk reporting to the Board Committee.• Development of a robust Compliance Management System including compliance training, testing and monitoring. • Facilitating regulatory examination and due diligence responses• Revamp and maintaining the company’s Credit Committee and established third party originator approval and oversight functions.• Manage the company’s legal matters as well as company’s outside counsel • Advising executive management and Board of Directors on legal matters• Draft and review department and company-wide policies, procedures and documents.• Create and oversee BSA/AML Program as appointed BSA/AML Compliance Officer• Oversight of third-party service provider due diligence program • Examining and creating draft legal agreements, such as employment agreements and compensation plans • Working as a members of the Executive Committee to further advance the growth and strategic model of the company

Troy, Michigan

• Provide subject matter expertise with respect to federal regulations impacting mortgage originations and mortgage servicing • Development of a robust Compliance Department including implementing compliance training program, creating a department structure, instilling a culture of compliance company-wide, and assessing areas of improvement• Facilitating regulatory examination and due diligence responses. • Participate in the company’s Credit Committee as part of the third party oversight function of the department• Work closely with business departments to enhance, develop and reinforce controls surrounding regulatory requirements• Draft and review department and company-wide policies • Draft and review business department procedures and documents for compliance concerns and approval • Conduct annual Loan Originator Compensation review and revisions of compensation agreements • Assist with legal requests as they pertain to compliance matters

Troy, Michigan

• Provide subject matter expertise with respect to regulations impacting mortgage originations and consumer lending• Mentor Business Units within area of expertise (Mortgage Origination business units)• Work closely with assigned risk partners to develop relationships, identify, and offer guidance on compliance concerns/items• Draft reporting to the Compliance Department and Management regarding compliance matters• Conduct compliance review of new products that are in the developmental stages including ensuring APR and finance charges are calculated properly, disclosures are appropriately disclosed and completed properly and an overall review of the entire product package• Review of Regulatory changes, draft summaries of changes and provide affected Business Unit with information on the change as well as work with Business Unit to develop and/or obtain evidence of compliance with the change• Work with Business Units to resolve any and all compliance concerns relating to control gaps, and regulatory risks• Review Marketing materials relating to mortgage origination for compliance and fair lending concerns• Conduct Compliance risk assessment of assigned mortgage origination business units to identify any regulatory risks that do not have appropriate controls in place• Review of Wholesale Memorandums for compliance with federal regulation requirements• Assess Business Unit procedures to ensure they are accurate and compliant with federal laws• Draft Compliance Department policies and procedures• Work closely with the Legal Department to resolve numerous legal and compliance related matters for assigned Business Units

Auburn Hills, Michigan

• Work with the Partners and Associates on cases regarding a variety of legal issues, including Bankruptcy, Banking Regulatory & Compliance matters, Commercial Lending, Banking and Finance, Foreclosure and Securities• Conduct research on a variety of laws and cases for financial institutions on topics including but not limited to consumer protection, financial industry compliance and some security regulations• Represent main client, which is a large motor vehicle warranty company, and perform extensive state and federal research ensuring the company is compliant with all laws regarding solicitations, contract format and content, advertisement and state licensing agency requirements • Draft opinion letters on potential changes or compliance issues as well as compose and file all license applications and renewal documents• Focus on Retail Installment Contract Licensing and Compliance, including working primarily with sales finance companies and retail installment companies ensuring compliance with state laws across the country and well as licensing requirements in all states • Work with clients on matters pertaining to consumer finance compliance as well as commercial finance compliance• Represent clients in civil litigation matters pertaining to residential and commercial transactions• Handle collections matters within the State of Michigan• Maintain knowledge in UCC and secured transactions• Assist in researching and writing an Amicus Brief regarding security interest priority and receiverships in foreclosure/default cases • Partner with clients to ensure that they are complying with new mortgage and lending laws

Univerity Of Detroit Mercy School Of Law

• Worked with Supervising Professors on a minimum of five Veterans Claims cases each semester • Drafted correspondences with the Veterans Administration (VA), health care providers, Veteran clients and the Courts • Interviewed potential and current clients, and drafted memorandums, briefs, motions and response motions for each client • Researched each issue pertaining to each claim, and participated in settlement conferences and hearings in front of the VA • Traveled throughout the State of Michigan, as well as North Charleston, SC and Nashville, TN to provide advice to homeless Veterans Was admitted to the Court of Appeals for Veterans Claims (CAVC) as a non-attorney practitioner

Auburn Hills, Michigan

• Draft legal documents including Motions, Complaints, Answers, Discovery Requests, Memorandums, Opinion Letters, Bankruptcy documents and several others• Created job postings for client, reviewed and narrowed down candidates for job opening.

Oakland County Circuit Court

• Assisted Judge O’Brien’s clerks with answering phones and E-filing court documents • Aided in conducting Criminal Calls and Motion Calls • Wrote motion disposition memorandums for Judge O’Brien• Attended and observed numerous civil and criminal trials

Juris Doctor, Law

Activities and Societies: Delta Theta Phi (Secretary)

Bachelor'S Degree, Marketing & Management

Graduated with Honors

Business Administration

Activities and Societies: Sigma Kappa