Les Yonce Email & Phone Number

Richmond, Va, Us

Richmond, Virginia, United States

As a member of Mission Lane’s Executive Committee, I am responsible for leading the Legal, Compliance, Risk, and HR functions. I also serve as Corporate Secretary for the Board of Directors.

Richmond, Virginia, United States

As the leader of the company's compliance management program, my team and I are responsible for building and advancing a wide range of compliance functions and processes, including consumer lending compliance, Testing and Monitoring, Complaints Management, BSA/AML/OFAC, Regulatory Change Management, Training, Fair Lending, and Policies and Procedures. I lead a team of professionals who help the business succeed in our mission to advance financial inclusion while making compliance risk management a competitive advantage.

Richmond, Virginia, United States

As the leader of Core Consumer Card and Platforms support, I advised senior credit card business leaders on new products and strategy, account acquisitions and customer management, digital and customer innovation, and regulatory and compliance risk for a $100+ billion subprime, near-prime, and superprime consumer credit card business. Other products and features included Buy Now Pay Later, Rewards, Capital One Shopping, and Premium cards. I have led compliance due diligence reviews of multiple fintech companies.In this role I also led a team providing advice for business organizations responsible for all major card lending platforms, data sciences, alternative data and machine learning. Platforms included the core system of record, authorizations and account management, marketing, payments, bureau data, and servicing.

Richmond, Virginia Area

As Head of US Card Partnerships Compliance, I advise senior business leaders in Capital One's $20+ billion Card Partnerships business on regulatory compliance and risk strategy. This work focuses on new business initiatives, significant transactions, portfolio conversions and deal integrations. I also lead a group of compliance advisors responsible for driving risk management analysis, advice and challenge regarding the business. My teams are based in Richmond and Chicago.

Richmond, Virginia Area

I was tasked with driving change and setting up a new international compliance function. I ultimately led multiple teams with up to 43 associates. I recruited and trained a Chief Risk, Compliance and AML Officer for Canada, and built a testing team for the UK and Canada. I upgraded an anti-corruption compliance program and directed a high-profile examination of enterprise compliance management. I was also responsible for Finance and Human Resources compliance.- Formally recognized for exceptional strategic insight, being ahead of the curve with organizational and program design, and "living the values," particularly for the Canada and FCPA reinventions.- Repeatedly demonstrated the ability to quickly turn around underperforming teams and inspire leaders and teams to excellence through collaboration, coaching and development.- Restructured the Canada Compliance team ensuring that heightened corporate and regulatory expectations were met with significantly fewer regulatory concerns.- Achieved the highest possible ratings (Adequate) in FCPA, Third Party Management and International audits.- International testing team successfully identified potentially serious issues related to consumer disclosures and servicing, avoiding significant regulatory impacts.

Richmond, Virginia Area

I was promoted to build and lead a Marketing Review Legal team due to success in increasingly complex roles. I expanded the scope of legal counseling from operational groups to a large portion of the US credit card business. Senior department leadership expanded my role to include leading a team of attorneys who provided company-wide advice on consumer laws, including AML / Bank Secrecy Act, Fair Debt Collections Practices Act, and Privacy.- Created and executed the vision for the marketing review legal team and consolidated the work of 10 people across multiple teams, enabling it to be done by only three attorneys- Initiated and led a legal review of credit card compliance requirements that identified several key risks and enabled creation of additional controls and monitoring- Drove performance management improvements that increased employee satisfaction by 40% through enhanced communication, training and process transparency- Key leader on a legal team that won the CEO's highest award (Circle of Excellence Award) for assessing the impact of Credit CARD act regulations and implementation; this work produced innovative compliance and business process solutions, as well as improvements to regulations to reflect business concerns

Richmond, Virginia Area

Tasked with developing and driving a rigorous corporate legislative and regulatory policy. I wrote numerous comment letters advocating the company's position on regulatory proposals. I provided thought leadership to several trade association forums. As Senior Counsel in 2000-2001, I also managed legal issues related to several emerging lines of business, including small business lending, automobile lending, installment lending, and credit recoveries.- In 2004, given additional responsibility as Business Counsel for Card Operations, Collections and Recoveries -- one of the company's largest business areas.- Created a legislative and regulatory tracking and reporting system that is still in use today.- Won a Circle of Excellence Award for legal work in supporting a change to Virginia state law regarding installment lending.

Richmond, Virginia Area

In this role I led and supported due diligence on several asset sales exceeding $100 million. Negotiated and completed bank financings for a privately-held home materials company. Advised a Fortune 500 client on 1933 Act and 1934 Act securities reporting issues. Closed one of the first Eurobond corporate finance deals in London in 1999. Was an acknowledged expert on shareholder rights plans.

J.D., Law

Activities and Societies: cum laude, Student/Faculty Education Committee

B.A., Economics, Foreign Affairs

Activities and Societies: Phi Beta Kappa, Jefferson Scholar, Top Economics Graduate