Michael Quarton Email & Phone Number

Golden, Co, Us

Golden, Colorado, United States

Manager on Consumer Protection compliance team providing oversight and advisory guidance on all things complaints across the Cash product lateral.

Chicago, Illinois, United States

Second line compliance member performing oversight, effective challenge, and monitoring for the Digital channel and Fraud regulatory matters for US Personal and Business Banking operations.Responsibilities:• Oversight and challenge of first line monitoring and testing results, new initiative proposals and project execution, and issue resolution including customer remediation and control enhancement• Performed quarterly complaint monitoring activities for each area of oversight• Creation and oversight of a new company KRI tied to Reg E error resolution requirements

Greater Chicago Area

(Sr. Associate: July 2019 - present; Associate: July 2018 - July 2019; Sr. Analyst: July 2016 - July 2018; Analyst: June 2015 - July 2016)Responsible for the strategy and execution of Regulatory Compliance Monitoring & Testing (2nd line), Annual Regulatory Risk Assessment (separate assessments for core regulations, BSA, & Fair Lending), and company compliance training. Manage a team of three with other contributors. Responsibilities:• Oversee and advise team audit project owners as well as support staff on design and execution of regulation-specific testing of policies, products, and practices covering multiple financial products and bank partners• Identify and remediate areas of potential regulatory risk in business operations from testing and the risk assessment process• Participate in design of GRC solution in partnership with business• Oversee company onboarding and annual compliance training• Maintain knowledge of internal policies and consumer protection regulations including BSA, CARD Act, ECOA, EFTA, FACTA, FCRA, FDCPA, GLBA/misc. Privacy Regs, SCRA, TCPA, TILA, and UDAAP• Contribute to quarterly compliance board / annual reports• Contribute to and present monthly deck to stakeholders/executive management• Report and participate in AML Committee and Fair and Responsible Lending Committee• Create/maintain program documentationFormer member of Compliance complaints team (June 2015 - June 2017): coordinated responses to consumer complaints received via federal/state regulators or directly relating to regulatory risk. Responsibilities:• Crafted regulator responses to minimize risk and promote company image • Performed root cause analysis through in-depth review of account and system activity• Resolved hundreds of escalated customer complaints through written communication• Performed trend analysis and created monthly reporting for stakeholders/executive management

Chicago, Illinois

Primary Legal Assistant for the president/shareholder in addition to two associate attorneys at a firm specializing in commercial litigation/collections and creditor bankruptcy representation.Primary Responsibilities:• Drafted and edited legal documents in accordance with federal and state statutes for attorney approval pertaining to all aspects of litigation and post-judgment collection.• Reviewed client payment histories and account records to determine demand amounts.• Coordinated correct filing of legal documents with numerous federal and state courts.• Resolved client issues regarding corporate status and standing in various states.• Researched and contacted law firms to initiate discussions for retention as local counsel.• Effectuated service of legal documents nationwide via contracted private process servers.• Performed basic accounting responsibilities for firm operations when necessary.• Performed general administrative office duties.

Responsibilities included:• Supervising warehouse employees• Managing warehouse product inventory, online listing, and pricing of products• Client support for textbook acquisition from schools in Tennessee, Alabama, and Georgia• Off-site customer service• Product fulfillment