Solutions to ensure the right information is in the right hand at the right time.

Financial Services Regulatory & Compliance Risk Banking Team

To improve consumer experience and avoid regulatory penalties, restructure consumer financial companies into compliant Enterprise Risk Management (ERM) reporting and remediating structures. McCarthyHatch ensures company structure aligns with Consumer Financial Protection Bureau (CFPB) guidance, focusing on policy to build a control environment.• Helped clients and generated over $1,000,000 in sales volume • Mitigated regulatory risk and implemented an ERM for a $100 million consumer financial company• Managed examinations by State, CFPB, IRS, Fiscal Services, and Department of Education

Chief Risk Officer (CRO) for 100 million dollar accounts receivable firm with over $1 billion in U.S. Government and private placement debt. Executive team leader and co-chair of the Risk Management Committee. Served as the Compliance and Ethics officer during the transition. • Mitigated the risk of consumer harm and regulatory enforcement, restructured 1000 employee multi-location company into an ERM structure• Providing the framework for change, created a suite of corporate-level policies supporting the ERM structure. Policies covered the entire Compliance Management System environment. • Identified harm early and mitigated risk, structured Quality Assurance, Quality Control, Change Management Committee, Vendor Management, and Executive Risk Committee• Ensured quality of operation and meeting clients needs, worked directly with Federal Government Agencies (IRS, Dept ED, Treasury) to develop and implement quality and compliance controls• Coordinated and organized examinations ensuring critical information was gathered, organized, and delivered to the regulator

Implemented the Truth in Lending Realestate Settlement Procedures Act combined TILA/RESPA integrated disclosure (TRID) rule change. • As required by the new TRID regulation, implemented TRID in a $30 billion full-service mortgage company• To acquire and monitor necessary third-party support services for operating the company under CFPB regulation, led the Vendor Management Committee and all compliance monitoring.

Successfully implemented the requirements of the 2010 Dodd-Frank Act to construct a Consumer Regulator with purview over consumer financial regulations. Designed, built, and deployed a new governmental consumer financial complaints enterprise with over 2.4 million complaints to date. Personally introduced the CFPB to industries not formally regulated. Responsible for boarding all consumer financial companies onto the CFPB complaints portal. Worked directly with Director Cordray to identify consumer harm in the consumer financial marketplace. • To carry out their vision, partnered with Senators Elizabeth Warren, Barney Frank, and Carl Levin to implement the provisions of the Dodd-Frank Act• Promoting Consumer transparency and fairness, participated in rulemaking activities related to:Mortgage, Debt Collection, Credit Card, Payday, Money Remittance, Student Loans, Credit Reporting • Initiating the flow of complaints to named companies, personally boarded over 5000 consumer financial companies onto the CFPB complaints portal• All consumer financial regulations moved from prudential regulators (FDIC, OCC, FED) to the newly created CFPB, worked directly with regulators to coordinate activities during the transition of rules to the CFPB. Developed and implemented a portal for regulators to review CFPB complaints data to help further their missions.• Personally visited and met with U.S. Senators to discuss creating a complaints input channel for congressional offices to receive, input, and get an expedited response to complaints from their constituents. Fully implemented the system, including a particular unit inside the CFPB to manage congressional needs.• Public-facing role fronting relationships with covered companies, spoke nationally on CFPB related topics, including hundreds of industry groups, conventions, and 2012 in Boston at the assembly of all states attorney general.

During the Mortgage crisis starting in 2008, ordered, executed, and monitored the administration of transferring a bank's data to the FDIC during a bank closing. To protect consumers' deposits, closed and managed the closings of over 300 U.S. banks. • Transferring deposits to the FDIC or a buyer, monitored contracts to FISERV and FIS for the technical conversion of a bank at closing• Strengthening skills, obtained a Contracts Management Certificate from George Washington Law School• During bank failures, exposure to FDIC regulation saving the U.S. banking system absorbed the operation of controls and policies during the most significant bank closings period in banking history.• Banks closed by the FDIC close, and depositors receive their insurance or assets are sold to other banks, or the bank is sold in part or whole to a buying bank. Responsible for the management of information related to the marketing (for sale) of failed institutions. Managed IT contracts with FIS and FISERV related to taking down bank operating systems for the purpose of closing and selling failed banks

30 years of experience working in the financial services industry; and30 years of managerial supervision.