Tom Eck Email & Phone Number

Charlotte, Nc, Us

San Antonio, Texas, Us

Regularly working closely with the USAA Board of Directors and USAA senior management, I lead the team of attorneys providing legal advice on corporate governance matters related to USAA and USAA FSB including: effective board oversight, fiduciary obligations, board and member meetings and materials, and corporate practices.

Columbus, Ohio, Us

I served on the Consumer Banking leadership team of $108 billion national bank including leading the team of attorneys and paralegals providing legal support for core consumer segments including:o Mortgage originations ($10 billion/year) and mortgage servicing ($40 billion portfolio) o Payment systems including credit cards, debit cards and new peer to peer payment systems such as Zelle and ApplePayo Unsecured lending including new small-dollar loan products and overdraft protection productso Auto lendingo Deposits and branch bankingRisk, Regulatory Relations and Compliance. I served as the primary legal support for regulatory examinations, enforcement actions and inquiries related to consumer segments which involved regular interface with OCC, FRB and CFPB examiners and headquarters staff. I also served on numerous management-level risk committees. Legal Department Administration. I served on legal department leadership team which included leading a program to revamp the legal department structure, policies, practices and interactions with other segments. Created and implemented control structure including legal risk and legal advice policies. Litigation Management. I led the team handling all defensive litigation, including managing $8 million in annual outside counsel expenditures. I reduced litigation exposure by 65% over three years. and implemented board-level reporting on litigation risks and trends. Transactions, Partnerships, and Integrations. I negotiated and advised on potential fintech partnerships and acquisitions. I also advised in the due diligence of a $30 billion-asset bank acquisition and led the legal support for integration of those bank systems. Board/Management Counseling and Corporate Governance. I served as secretary to multiple board-level committees including Risk Oversight Committee.

I was appointed by the governor of Virginia to a four-year term as the mortgage industry representative to the Virginia Fair Housing Board, the state agency primarily responsible for ensuring fair access to housing.

Mclean, Va, Us

Consumer Banking. I led and developed a team of seven attorneys responsible for providing enterprise-wide regulatory advice to credit cards and other consumer banking segments of $300 billion bank. Areas of responsibility included TILA, EFTA, RESPA, TCPA, ECOA and state privacy laws. I also served as primary legal support for mortgage lending operations with originations of $3 billion per year and servicing portfolio of $80 billion. Served as primary legal support for online deposit-generating operations. I was the subject matter expert on fair lending laws and related areas including FHA, HMDA and CRA. I managed investigations, enforcement actions and examinations from DOJ, OCC, Federal Reserve and CFPB. Regulatory Monitoring and Advocacy. I created and led a team of six attorneys and three paralegals responsible for monitoring, analysis and reporting of all new state and federal laws and regulations. I represented Capital One before trade associations on proposed consumer banking regulations and drafted comment letters on regulatory proposals. Acquisitions and Integrations. I advised in the due diligence and negotiation of several bank acquisitions and led the legal support for integration of those bank systems.

As a member of the executive team, I managed all the legal affairs of a privately-held, 400-employee mortgage lender and affiliated title company operating in 45 states. In the role, I advised on compliance with RESPA, TILA and other mortgage lending laws;prepared and conducted board and shareholder meetings;negotiated and reviewed correspondent agreements, warehouse agreements and licensing agreements;obtained and managed mortgage lending licenses in 40 states; led response to regulatory examinations and audits by state and federal regulators; and managed employment issues and class action litigation.

Washington, Dc, Us

As one of the agency's senior attorneys, I defended the nation's leading bank regulator in challenges to its regulations. including serving as lead OCC counsel in the following reported decisions: Fleet Bank, N.A. v. Burke, 160 F.3d 883 (2nd Cir. 1998); Independent Ins. Agents of Am., Inc. v. Hawke, 43 F. Supp. 2d 21 (D. D.C. 1999); First Union Nat'l Bank v. Burke, 48 F. Supp. 2d 132 (1998); Valley Nat'l Bank v. Lavecchia, 59 F. Supp. 2d 432 (D. N.J. 1999).

Charlotte, Nc, Us

• Personally litigated caseload of approximately 100 commercial banking matters for all purposes including trial (first chair) and appeal. Reported decisions include Lewis v. Telephone Employees Credit Union, 87 F.3d 1537 (1996); Sobremonte v. Superior Court, 61 Cal.App. 4th 988 (1998).• Supervised and managed outside counsel on litigation matters. Supervised department staff.

Global, Us

In my first legal position, I served as a litigation associate with one of California's largest and most prestigious law firms.

Bachelor Of Arts - Ba, Political Science, Magna Cum Laude

Doctor Of Law - Jd