Kevin Evont Bowens Email & Phone Number

San Diego, California, Us

San Diego, Us

Responsible for the continued development of ADF's compliance management system (CMS). Drafted ADF's first compliance plan. Promoted to the leadership team within two years. Provide advisory services for business process improvement and strategic growth. Report to the Chief Legal Officer. ADF is a data and analytics fintech company focused on responsible non-prime consumer lending.>Provide legal direction on and creative solutions for compliance issues involving BSA/AML, CAN-SPAM Act, ECOA, EFTA, E-SIGN Act, FCRA, FDCPA, FTC Act, GLBA, MLA, SCRA, TCPA, TILA and UDAAP; together with any implementing regulations and rules including the Privacy Rule and TSR>Strengthen the regulatory change management process component of the CMS to ensure that ADF successfully completes compliance audits without any significant findings made or remediation required> Rebuilt state-level license program; prepare 50-state license surveys; provide risk analysis and mitigation strategies relating to online consumer lending; facilitate business expansion to additional states> Streamline response process for exams and regulatory compliance reviews, including walkthrough PowerPoint presentations highlighting how compliance is embedded in day-to-day business operations> Drive consumer complaints processes and handling procedures; including root cause and trending analysis> Supervise and mentor L&C attorneys and team members> Prepare compliance reports and regulatory updates for the board; attend board meetings> Member of the compliance committee> Negotiate and document complex contractual matters to facilitate business transactions> Draft compliance policies and procedures> Engage and manage a network of outside legal counsel for consumer litigation and regulatory compliance matters; provide budget estimates, defensive strategies and tracking reports; manage subpoena response internal process; manage litigation cases with a practical approach and in a cost-effective manner

San Diego, Us

San Diego, Us

San Diego, California, Us

Provided advisory services and direction on legal and regulatory matters with an emphasis on new business initiatives. Reported to the General Counsel and to the Chief Compliance Officer. Encore is a global company and a leader in the debt purchasing and collection industry.> Supported the risk assessment function and the change management process by drafting legal inventories and preparing 50-state surveys concerning applicable federal and state consumer protection laws> Regular interactions with the Consumer Financial Protection Bureau (CFPB) and state attorneys general as the Division General Counsel of Atlantic Credit & Finance, Inc after Encore acquired ownership of Atlantic> Member of the compliance committeee

Designed, developed and implemented Atlantic's first regulatory compliance framework and fully functional CMS. Reported to the VP-Business Development. Atlantic is an industry leader regarding the collection of freshly charged-off consumer receivables and was a nonbank larger market participant in the debt purchasing and selling industry. > Supervised collection license program; prepared 50-state license surveys> Supervised litigation management program including work standards and firm audits> Engaged and managed outside counsel for consumer litigation and regulatory compliance matters> Played an active role in contract disputes arising from purchase and sale agreements> Provided vendor management oversight of a nationwide "homegrown" network of more than 60 law firms and four collection agencies; supervised law firm and agency audit programs> Ensured Atlantic successfully completed all external audits and reviews using a standardized response> Supervised Compliance and Quality Management (QM) departments> Developed, documented and implemented new processes, policies and procedures>Designed and developed recurring electronic fund transfer process> Created QM points employee review and compensation program for internal collection floor>Designed and developed CFPB compliance manual> Achieved company-level RMAI (formerly DBA International) certification> Drove change for control process when Encore Capital Group acquired Atlantic Credit & Finance

Austin, Tx, Us

Defended collection industry members (agencies, debt buyers and law firms) in FDCPA-based litigation including class actions. This firm's practice concentrates on bankruptcy, commercial litigation, compliance and business counseling, consumer litigation and financial services.> Represented clients in consumer and bankruptcy litigation> Advised collection agencies, debt buyers and law firms regarding collection agency licensing matters and collection industry compliance issues relating to FDCPA and FCRA; prepared 50-state license surveys>Briefed successfully before the United States Court of Appeals for the Eleventh, Fifth and Second Circuits> Assisted in the management of the firm's busy commercial collections practice> Represented creditors in chapter 7, 11 and 13 cases including well-known matters involving Blockbuster, Enron, Hancock Fabrics and Warranty Gold

Doctor Of Jurisprudence

Bachelor Of Arts In History