FS Vector’s Fintech Advisory Team has unparalleled experience helping fintech companies, banks, and other financial institutions design, develop, and enhance operational and industry leading compliance programs. In addition to our compliance expertise, FS Vector has built a strong network in the Fintech space that we utilize to bring partners across the ecosystem together, including, banks, Fintechs, investors, RegTechs, debt/credit facilities, HR companies, independent contractors, and more. Below are a few examples of the past and current work that is being done at FS Vector: • Coordinating the launch of a Banking as a Service (Baas) deposit program with a state charted bank, including, the development of partner onboarding, due diligence, and oversight model. • Assisting a young, compliance minded Fintech build a neobank for the Latin American population in the United States • Collaborating with an existing factoring company in the fleet space to launch a commercial fleet credit card with a well established bank partner. • Designing a regulatory compliance framework for a chartered bank seeking to launch a US backed stablecoin. • Building a full-suite compliance program for a start-up Fintech seeking to offer traditional fiat banking and crypto products to small businesses in the United States. • Designing a AML Compliance Program for an NFT Marketplace company that is engaged with Circle's NFT Partner program. • Worked with a business banking Fintech to strategically enhance their existing AML Program to align with regulatory and bank partner expectations, including drafting AML policies/procedures, developing transaction monitoring rules, advising on specific customer risks, and conducting the Fintech's first BSA/AML Risk Assessment.

• Led on-site and off-site BSA/AML and OFAC assessments and model validations provided to a variety of client types, including credit unions, international and domestic banks, casinos, Fintechs, payment processors and MSBs. Incorporated specific regulatory requirements based on the client’s state and federal regulators, including the New York State Department of Financial Services (NYDFS), Federal Deposit Insurance Corporation (FDIC), the Officer of the Comptroller of the Currency (OCC) and the Securities and Exchange Commission (SEC).• Consulted on unique BSA/AML and OFAC issues related to a client bank’s partnership with Fintech companies. Provided model validation and BSA/AML assessment services, with a particular focus on the risks presented by the partnering Fintech company’s product offerings and customer base.• Designed BSA/AML and OFAC programs from the bottom-up for emerging industries, including cryptocurrency and Fintech firms. Worked directly with the client’s management team to draft policies, procedures and controls to ensure compliance with regulatory requirements.• Drove innovative compliance efforts in client adaption of Artificial Intelligence (AI), Robotic Process Automation (RPA) and Machine Learning to reduce false positives, enhance processes and effectuate greater effectiveness in mitigating AML risk. • Developed and delivered industry tailored AML training programs ranging from introductory lessons for clients new to AML/OFAC to in depth programs focused on bringing AML professionals up to date on the current regulatory environment, AML trends and typologies, emerging money laundering schemes and recent FinCEN/FINRA enforcement actions.• Managed a team of analysts and investigators to conduct sanctions screening reviews for a global airline company. Evaluated associated sanctions risk and collaborate with client to ensure proper reporting of sanctioned entities.

• Consult on unique BSA/AML and OFAC issues related to a client bank’s partnership with Fintech companies. Provide model validation and BSA/AML assessment services, with a particular focus on the risks presented by the partnering Fintech company’s product offerings and customer base.• Design BSA/AML and OFAC programs from the bottom-up for emerging industries, including cryptocurrency and Fintech firms. Work directly with the client’s management team to draft policies, procedures and controls to ensure compliance with regulatory requirements.• Lead on-site and off-site BSA/AML and OFAC assessments provided to a variety of client types, including credit unions, international and domestic banks, casinos, Fintechs, payment processors and MSBs. Incorporate specific regulatory requirements based on the client’s state and federal regulators, including the New York State Department of Financial Services (NYDFS), Federal Deposit Insurance Corporation (FDIC), the Officer of the Comptroller of the Currency (OCC) and the Securities and Exchange Commission (SEC).• Drive innovative compliance efforts in client adaption of Artificial Intelligence (AI), Robotic Process Automation (RPA) and Machine Learning to reduce false positives, enhance processes and effectuate greater effectiveness in mitigating AML risk. • Develop and deliver industry tailored AML training programs ranging from introductory lessons for clients new to AML/OFAC to in depth programs focused on bringing AML professionals up to date on the current regulatory environment, AML trends and typologies, emerging money laundering schemes and recent FinCEN/FINRA enforcement actions.• Manage a team of analysts and investigators to conduct sanctions screening reviews for a global airline company. Evaluate associated sanctions risk and collaborate with client to ensure proper reporting of sanctioned entities.

• Directed a team of financial crime investigators in determining whether unique cases present sufficient evidence of money laundering, terrorist financing, trade based money laundering or other financial crime which would warrant reporting to FINCEN and/or other federal law enforcement agencies.• Managed a team of FINRA licensed brokers to handle securities investigations, including insider trading, low-price security manipulation, account takeover and the use of derivatives to launder illicit funds.• Coordinated international communication between HSBC affiliates utilizing the Intelligence Exchange program - implemented to facilitate efficient and cooperative money laundering investigations on a global scale.• Continuously and effectively engaged in collaborations between internal quality assurance/audit and external regulators, including the OCC. This includes being part of HSBC's investigation management team during the successful expiration of the US Department of Justice's Deferred Prosecution agreement implemented in 2012.• Actively managed an experience group of individuals with diverse professional backgrounds, including law, financial advising, mortgage lending and more. Engaged in daily interaction and coaching with these investigators to improve the overall quality of our team's investigations.

Conducted investigations of various financial and investment transactions indicating potential AML activities pursuant to applicable laws, including Bank Secrecy Act, The USA PATRIOT Act, and OFAC regulations. Drafted SARs based on information gathered and ensured timely filing of each with FinCEN. Continually trained on new regulations revolving around AML investigations and SAR writing for FinCEN.

Provided litigation support using edata systems utilizing the eDiscovery platform Relativity. Worked closely with fellow Pennsylvania admitted attorneys to develop effective document review strategies.

Worked with veterans to research, draft and file claims and appeals regarding compensation benefits and waivers of indebtedness for medical debt. Conducted frequent client meetings to build client records in support of claims before Veterans Affairs (VA). Drafted and filed appeals of claims decisions to VA. Advocated for clients at hearings before VA and drafted supplemental briefs. Drafted veterans’ wills, power of attorneys, and healthcare directives. Drafted briefs in support of veterans seeking changes in discharge status.

Drafted subpoenas, legal reviews, wills, proof analyses, discovery request responses, and lettersof disposition. Questioned witnesses during an U.C.M.J Article 32 hearing. Researched andwrote memoranda on topics including member rights under U.C.M.J. Article 31, the applicability of punishments under 10 U.S.C. 18 to civilian employees, and procedures for the base commander to accept gifts of ‘historical significance.’ Evaluated evidence and witnessinterviews in preparation for general court-martials.

VITA (Volunteer Income Tax Assistance) is a government funded program geared towards helping low-income families correctly prepare and file their taxes free of charge. I volunteer for VITA in Wilmington, DE as a tax preparer. I prepare federal and state tax returns while maintaining quality, security, and the confidentiality for my clients.

Reviewed contracts involving mortgage refinances, real estate closings, and wills. Completed basic office tasks, i.e. copying, printing, and editing.