Lead the legal team responsible for providing product and regulatory advice relating to consumer and small business finance products at Goldman Sachs. These products include the Marcus by Goldman Sachs unsecured personal loans, small business loans and Goldman’s credit card product--Apple Card.We create unique consumer finance products that are innovative and consumer friendly while complying with all applicable laws. In addition to product specific advice, I am responsible for advising on Goldman’s servicing and collections strategies and initiatives.

Focus on consumer finance and banking law, particularly, consumer and small business lending, deposit accounts and payments. Advise clients on regulations relating to consumer lending, anti-money laundering, privacy, and marketing, including the Truth in Lending Act, Truth in Savings Act, Gramm-Leach-Bliley Act, Fair Credit Reporting Act, Telephone Consumer Protection Act, Bank Secrecy Act, Expedited Funds Availability Act, Servicemember Civil Relief Act, and Equal Credit Opportunity Act.Representative Work:• Draft consumer credit agreements including credit card agreements, charge card agreements, installment loan agreements and retail installment contracts• Assist clients with developing electronic contracting processing including E-SIGN and UETA compliance contracting language• Assist creditors with establishing programs to finance the installation of solar energy systems• Advise clients with respect to state interest rate and fee limitations• Counsel companies with respect to payment network rules, including VISA, MasterCard, and NACHA• Develop credit reporting programs that are compliant with state and federal law and Metro 2 credit reporting requirements• Establish elder abuse detection, prevention, and reporting programs for clients• Conduct compliance assessment of client processes to assist clients in preparing for examinations and investigations by state and federal regulators

Responsible for ensuring compliance with all laws and regulations related to banking as well as laws relating to projects initiated by the bank.• Provide legal advice to BSA/AML/OFAC Officer with respect to Office of Foreign Asset Control laws and regulations, Bank Secrecy Act, and the USA PATRIOT ACT including the Bank's Customer Identification Program; developed the SAR process• Responsible for all aspects of credit bureau reporting, including reporting and dispute resolution• Lead efforts related to credit card terms and conditions, regulatory changes, securitization, deposit operations (including compliance with Expedited Funds Availability and Interest on Deposits and Electronic Funds Availability), payments, and annual tax filings• Research federal and state laws and regulations to determine Bank responsibilities• Discover, track, review, and disseminate information regarding new state laws• Oversee annual Privacy mailing, advise on compliance with state consumer protection laws, and Unfair, Deceptive, or Abusive Acts or Practices—including the interpretation of new state consumer protection laws and regulations and rendering of legal opinions• Provide guidance on how to initiate a text messaging program with consumers to expand options for consumer communication• Created self-assessment programs for banking regulations to create three tiered compliance system• Conduct contract review and negotiation

Responsible for ensuring compliance with one of the largest retail credit card programs in the country as well as drive innovative solutions.• Developed and implemented a comprehensive credit application underwriting system• Monitored compliance with consumer credit regulations through Dodd-Frank changes in the credit card industry, including a change-in-terms to adjust• Reviewed all privacy practices and notifications• Researched legislation and regulations by state and federally• Created, conducted, and presented compliance audits• Created a system to drive sales and revenue growth• Partnered with issuing banks—J.P. Morgan Chase and Capital One—to define compliance parameters