Partner with bank’s legal teams to review every law in each region and jurisdiction, for each product offered in the region, and build a catalogue of relevant laws. Revise mechanism of the previously existing inventory to allow the business' Integrated Risk Management to be more efficient and effective in reducing risk and harm to the bank and consumers. Subject Matter Expert (SME) for state laws regarding UCC and secured\unsecured transactions for Credit Cards department.

Legal counsel supporting all non-credit PayPal consumer payment products and features including the digital wallet, PayPal P2P, prepaid account, Venmo, PayPal’s Xoom remittance service, PayPal Giving and Generosity Network, Honey, and PayPal Shopping. Reviewed marketing materials, contracts, external vendor agreements, user experience, and related technology matters.

Counseled senior stakeholders on the execution of an effective Third-Party Risk Management (TPRM) program. Led OGM challenge activities to demonstrate enterprise adherence to the program and appropriate monitoring of third-party vendors. Guided stakeholders in response to vendor-related matters and current events. Created and introduced standard process procedures and challenged existing procedures to drive efficiency and increase compliance. Worked on broader Non-Financial Risk programs and Procurement Groups, including understanding and communicating how to integrate with third-party risk.- Introduced and researched new technology solutions and presented implementation strategies to increase inter-departmental efficiencies while addressing and mitigating regulatory privacy concerns.- Provided administrative support to business units through Ongoing Monitoring (OGM) and oversight of the OGM scorecards and termination TPQs, identifying issues and escalation requirements.- Advised on report creation for the Archer GRC Platform, working with the team on presentations, deliverables, and vendor engagement summaries presented to Business Risk Committees and the Third Party Risk Oversight Committee.- Supported User Acceptance Testing (UAT) of new enterprise tools and systems.

Advised line of business, project management, and marketing teams by providing day-to-day compliance support while developing larger strategic initiatives deployed across the bank. Delivered daily review and oversight of marketing collateral, regulatory management, policy and procedure development and oversight, analysis of actual and emerging risks, issue management, and monitoring and risk remediation. Operated as the first point of contact with marketing and other departments across the bank regarding regulations—FTC requirements, CAN-SPAM, UDAAP, Regulation Z & DD, ECOA, FCRA, and consumer protection laws. ▪ Served as the lead compliance officer during a company rebranding, working with each department to approve and vet all documents, product rebranding, marketing tools, and website pages to help transition the bank from BBVA Compass to BBVA USA through the spring and summer of 2019.▪ Regulation E and CAN-SPAM Subject Matter Expert.▪ Advised various lines of business and project teams on legal and regulatory issues that impact new and existing bank products and processes. This includes reviewing and negotiating contracts, reviewing consumer-facing communications and marketing collateral, addressing specific consumer regulatory issues, as well as privacy matters including GDPR, CCPA, Reg P., and more.▪ Designed corporate compliance programs and standards, including the corporate Social Media Code of Conduct and information privacy guidelines for Compliance.

Reviewed FDCPA, Fair Credit Reporting Act, Anti-Money Laundering, Bank Secrecy Act, and Privacy Act compliance law to ensure internal IT infrastructure of the firm and vendors complied with all federal and state laws and regulations. Developed a strong familiarity with consumer lending issues—ECOA, Regulation B, Predatory Lending, Truth in Lending, Regulation Z, and military lending issues related to the Servicemembers Civil Relief Act. Spearheaded weekly meetings with Information Systems staff, Client Performance, Senior Management, and vCIO management to advise on new internal and regulatory matters to maintain compliance with evolving technology infrastructure regulation.- Operated as the legal representative on the crisis response team following a ransomware attack, advising leading credit card company clients (Discover, Capital One, etc.) on consumer data and security concerns resulting from the event. - Developed specific requirements for third-party technology vendors to support the restriction or allowance of Personal Identifiable Information (PII) in enterprise communications with clients and attorneys. - Oversaw electronic data transfers to and from the firm, vendors, and clients.- Managed digital records and IT infrastructure to ensure compliance while safeguarding internal and client data.- Collaborated with compliance attorneys during client meetings, on-site audits, and regulatory inspections, serving as subject matter expert (SME) for questions related to compliance matters, including privacy and data protection.

Advised on copyrights, contracts, and terms of use with third-party software and audio-visual trademark information deployed for use on websites developed for clients, providing legal perspective and research-backed data.- Researched how the Web Content Guidelines (WCAG) recommended by W3C standards would be implemented and the subsequent impact on ADA law and future Congressional mandates to accommodate people with disabilities.

Managed web development team and website development strategy for the agency.- Primary liaison between sales and development departments, assist sales to help clients understand technical aspects of digital marketing and website development.- Experienced in database management, MySQL, PHP, mobile app development, WordPress, SEO, HTML5, CSS3, E-commerce, Software as a Service (SaaS), JavaScript, ADA compliance implementation.

- Developed software for a startup company that integrated directly into district courts e-filing system and consulting on how to bring technology and speed to lending companies.- Automated the small claims process of debt collection for retail financial sub-prime lenders. Our system integrated with electronic filing services and managed lawsuits from statement of claim to garnishment with almost no human intervention if default settlement is granted (default settlement rate in our target end markets was 98%).- Positioned as a major solution for the sub-prime meltdown of 2008, shortened collection life cycle by 300%, improved rate of return by over 720%.