The firm represents and advises clients on financial regulatory matters, such as Anti-Money Laundering (AML/BSA/USA PATRIOT)Anti-Corruption (FCPA/OECD/UK Anti-Bribery Act)CFPB Compliance Management Systems/Reviews (CMS/CMR)Reg. B, Equal Credit Opportunity Act (ECOA)Reg. E, Electronic Funds Transfer Act (EFTA)Fair Credit Reporting Act (FCRA)Money transmission (federal and state)Multi-state banking/financial institution department regulatory compliance representationPayments (ACH/NACHA)Sanctions, global and domestic (OFAC)Unfair Deceptive and Abusive Acts or Practices (UDAAP)Reg. Z, Truth in Lending Act (TILA)

Represented and advised clients from nation-wide consumer finance companies ranging from banks to domestic and international payment start-ups on financial regulatory matters. KEY COMPETENCIES: LEGAL ANALYSIS, TESTIMONY PREPARATION, ADVOCACY, RESEARCH, COMMUNICATIONS, WITNESS PREPARATION, COLLABORATION, CLIENT RELATIONSRepresented client in Consumer Financial Protection Bureau’s (CFPB) Small Business Regulatory Enforcement Fairness Act (SBREFA) hearing and CFPB’s industry meetings on proposed Small Dollar Short Term Lending regulations● Reviewed CFPB proposal for new regulations and researched relevant legal issues● Summarized issues and provided, business-appropriate alternative regulatory solutions to include in testimony● Attended hearing and subsequent CFPB industry meeting to provide critical feedback KEY COMPETENCIES: POLICY WRITING, COMMUNICATIONS, CLIENT RELATIONS, COMPLIANCE MONITORING, PROCESS IMPROVEMENT, DOCUMENTATION, COMPLIANCE, SYSTEM DESIGN, CROSS-FUNCTIONAL COLLABORATION, CONSULTING

Orchestrated key tactical and strategic compliance initiatives across organization providing global, cross-border money transfer and digital payment services in more than 200 countries and territories in collaboration with other compliance departments, legal, IT, operations, product, and sales. KEY COMPETENCIES: CROSS-FUNCTIONAL LEADERSHIP, ANALYSIS, PROCESS IMPROVEMENT, COMPLIANCE, ANTI-FRAUDReduced Financial Crime instances and Consumer Fraud Reports by 33.8% over 15 months● Directed cross-functional business team from IT, Go-to-Market, Sales, and Finance to develop and implement global rules establishing transactional limits of personal/family remittances ● Headed compliance rules team to analyze and enhance consumer fraud interdiction system● Established supplemental compliance controls with Financial Intelligence Unit (FIU) to identify and interdict on behalf of consumer fraud victims

Served as lead global regulatory counsel to compliance department during company’s Deferred Prosecution Agreement with United States Department of Justice and company monitorship. Advised company on anti-fraud, anti-money laundering, government sanctions, anti-bribery and corruption, domestic and international unclaimed property, and consumer financial protection matters. Administered government affairs department.KEY COMPETENCIES: COMPLIANCE, FACILITATION, STAKEHOLDER RELATIONS, ANTI-FRAUD, ADVOCACY, PROCESS IMPROVEMENT, ANTI-MONEY LAUNDERING, ECONOMIC SANCTIONS, SANCTIONS SCREENING, CROSS-FUNCTIONAL LEADERSHIP, COMPLIANCE, CUSTOMER SERVICE, PRODUCT DEVELOPMENT

Established newly formed subsidiary, registering as Money Services Business with FinCEN and prepared for state money transmitter licensing. Built first anti-money laundering and fraud prevention program and risk assessment. Formalized underwriting and compliance procedures for company as it became payment card independent sales organization (ISO) for major bank.

Administered day-to-day anti-money laundering and consumer lending compliance for leading provider of retail financial services in United States and Canada. KEY COMPETENCIES: CROSS-FUNCTIONAL COLLABORATION, ANALYSIS, PROCESS IMPROVEMENT, PROGRAM DESIGN, ANTI-FRAUD, REPORTINGFacilitated filing of Suspicious Activity Reports (SARs) within mandated 30 days with creation of auditable system ● Analyzed ACE’s SAR alert reporting and filing procedures ● Built proprietary suspicious transaction monitoring case management system to ingest alerts about suspicious activity, provide work queue to ensure alerts are reviewed, capture analyst notes about whether to file SAR, and allow for batch filing with US government● Integrated email reminders when deadlines approach for open alerts or unfiled SARs● Optimized case management system and execution on software in collaboration with IT and SAR filing teamKEY COMPETENCIES: LICENSING, TEAM MANAGEMENT, EXAMINATIONS, COMPLIANCE, LEADERSHIP, REPORTING, PROCESS IMPROVEMENT, CROSS-FUNCTIONAL COLLABORATION, TESTINGMaintained licensing in 37 states, successfully passing over 750 regulatory examinations in FY 2013● Managed examination management team representing company● Developed self-service reports accommodating each states’ data requirements idiosyncrasies and alerts● Reviewed and responded to each report of examination and advocated for company● Addressed identified issues with IT, Product, and Marketing to implement compliance controls and solutions