Managed the audit and exam management team for Elavon North America.

Manage the First Line of Defense Financial Crimes Compliance Quality Assurance testing function for Payment Services businesses in Mexico, North America, and Europe. The team is responsible for creating, implementing, and executing risk based QA testing for payments businesses, assessing the adequacy and effectiveness of controls designed to support compliance with jurisdictionally appropriate anti-money laundering and economic sanctions requirements, and providing key metrics and reporting to senior management.

Manage the Enterprise Program Services Business Line Tollgate testing team, which serves as an in-line review function for multiple business line partners on all Enterprise Financial Crimes Compliance related audit issues, high risk Compliance Quality Assurance, and high and moderate risk Business line self-identified issues. Tollgate partners with the issue owner to identify, test, and correct any deficiencies prior to management assertion of completeness.

Head of compliance for $1.4bn community bank. Responsible for the Compliance Management Program, managing the Bank's BSA/AML group, overseeing Regulatory Monitoring & Testing, and CRA.

Managed a geographically disbursed team responsible for standardizing enterprise compliance with IRS Non-payroll Information Return Reporting (NpIRR, AKA 1098/1099 forms) requirements across multiple businesses and legal entities • Developed and implemented the NpIRR Compliance Management Program. Deliverables included: o creating and managing to new enterprise standard and procedureso ensuring audit readinesso training development and deliveryo risk event identification and managemento developing and implementing a successful second line of defense testing programo annual filings of approximately 35% of bank’s required 1098/1099 forms • Successfully on boarded vendor and managed vendor compliance, which 1) standardized reporting processes, 2) halved the number of vendors used, 3) streamlined reporting, and 4) eliminated several compliance gapsOther Responsibilities: Previously supervised enterprise compliance for Transactions with Insiders (Regulation O) and Intercompany Transactions (Regulation W)

National Bank Regulatory and Advisory Services consultant for clients in need of regulatory guidance.• Sample assignments included charter development or expansion, responses to regulatory actions, and development of safety and soundness compliance protocols to satisfy existing or forthcoming bank regulations. Engagements included: o Gap analyses of current state and required end-state of regulatory complianceo Developing/implementing processes to bring client into compliance with formal regulatory actiono Benchmarking and regulatory assessments for a firm seeking an industrial bank chartero End-to-end process mapping, defining control processes, and identifying control weaknesseso Assisting in bank charter application process for a major retailer, including development of supporting documentation for submission to regulatory authorities

FRB Bank Examiner with experience in Safety and Soundness, Information Technology, and Consumer Affairs• Performed examinations and inspections of financial institutions throughout the mid-Atlantic: o Evaluated the adequacy of internal controls, the quality of the internal and external audit functions, management and controls, and adherence to corporate governance standardso Ensured compliance with laws and regulations o Produced comprehensive report of findings, including reviewing and editing work prepared by others for content, clarity and accuracy • Assessed operational activities and developed appropriate supervisory strategies, recommendations on examination segment ratings, and preparation of written reports of examination and/or inspection• Demonstrated balanced, well-reasoned judgment in decision making and effectively managed communications with senior management and directors of supervised institutions under potentially adversarial circumstances• Maintained a high level of technical expertise on and knowledge of regulations, laws, and trends; remained current on developments related to emerging technologies, transaction processing systems, and internal controls• Served as an instructor at the FRB Operations and Analysis school; also provided guidance, training, and feedback to less experienced examiners through on-the-job training

• Compliance Officer for $2+BN Leasing Portfolio• Supervised team of analysts monitoring portfolio for compliance with commercial credit and risk guidelines, including performing annual reviews of high dollar/high volume accounts and assessing risk indicators, industry comparisons, and financial performance and condition to ensure contractual compliance• Managed a two-year project to populate missing customer data, link credit extensions to the master customer relationship, and validate loan ratings to facilitate accurate weighted risk rating by customer and for the portfolio

Middle Market Commercial Lending • Underwriting, servicing and sales for commercial middle-market portfolio in Howard County, MD