Michele Guanzon Email and Phone Number
I am an expert in the field of risk management and compliance. I have made it my mission to protect financial institutions and the customers they serve, from regulatory risks through robust compliance programs.I have over 20 years of experience in the financial services industry, serving in a number of different roles. I have a proven track record of leading successful initiatives, including the launch of new insurance products, digital banking platforms, and spearheading regulatory readiness for a fintech division.My top accomplishments include:• Expertise within the industry that spans the development and implementation of comprehensive compliance programs, risk assessments, and regulatory adherence strategies that have been recognized by both auditors and regulators.• Created robust regulatory compliance programs, including Bank Secrecy Act/AML programs, fair lending, and privacy programs that comply with GLBA, CCPA, and TCPA. This ultimately positioned institutions to confidently and successfully navigate the complex regulatory landscape.• Significantly improved the regulatory standing of 3 banks by assessing their current compliance management program, identifying any gaps, and correcting any deficiencies with a robust compliance management program, encompassing regulatory compliance, third party oversight, complaint management, internal audit and testing, and board and management oversight.As a dedicated compliance and risk management professional with vast industry experience, I am eager to leverage my expertise to drive strategic initiatives and contribute to the long-term success of financial institutions.I am passionate about mentoring and developing future compliance leaders, fostering a culture of excellence and ethical practices.Let's connect if you're looking for a compliance expert who can deliver results, drive innovation, and mentor the next generation of professionals in the financial services industry.
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Director Of Compliance And CcoHabemcoHenderson, Nv, Us
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Evp Chief Risk And Compliance OfficerGenubank Oct 2024 - Present -
Executive MemberInternational Leap Network Jul 2024 - Present -
Senior Compliance OfficerCredit One Bank Sep 2021 - Oct 2024● Serve as a Compliance Officer and subject matter expert on applicable state and federal laws and regulations.● Leader and point of contact primarily for deposit operations, Privacy (GLBA, CCPA), and all marketing and advertising for credit card, deposits, digital banking, and insurance products to ensure compliance with applicable consumer regulations.● Instrumental in the successful launch of the new credit card, deposits, and insurance products, assessing the risks and developing controls.● Responsible for developing a comprehensive privacy program, to include new and efficient processes to be compliant with Privacy laws regarding GLBA and the California Consumer Privacy Act (CCPA).● Provide guidance to the Bank for its new digital banking and deposit products and new credit card products, ensuring compliance with all applicable deposit and lending regulations.● Perform risk assessments for lines of business and second line compliance testing and validation for all areas of the Bank. -
Compliance OfficerFreshstart Lending/Lendingusa Nov 2020 - Sep 2021● Served as the Compliance Officer for the newly formed Freshstart Lending Division of LendingUSA.● Worked with Chief Legal Counsel to implement and enforce policies and procedures related to the lending programs offered to consumers.● Acted as the main point of contact for compliance matters related to the FreshStart Lending Division, responded to inquiries from other departments within the Division. ● Conducted audits and call monitoring to ensure compliance with applicable policies, procedures, consumer lending laws and regulations, and Bank Secrecy Act.● Performed due diligence of prospective partner companies and performed vendor due diligence of all partners, at least annually, but more frequently if required.● Performed risk assessments for this new division and developed robust controls for mitigating risks.
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Evp Risk Management And ComplianceGbank Sep 2014 - Apr 2020● Served as the Bank’s Risk Officer, Compliance Officer, and Bank Secrecy Act Officer. Oversaw and successfully executed all responsibilities involved in each of these leadership roles. ● Developed and implemented safe and sound programs, established policies, procedures, and internal controls related to compliance, operations, deposits and lending, human resources, and corporate governance. ● Acted as main point of contact for auditors and regulators during audits and examinations, and was responsible for drafted responses to audit and examination reports.● Led the implementation of innovative products and services related to the Bank’s new FinTech division.● Provided operations/compliance guidance and advice to its start-up FinTech affiliate, business partners and vendors to ensure a compliant and successful launch of the first of its kind products and services.● Assessed risks across all departments and product lines, advised other executive and senior managers on implementing prudent processes, and provided guidance on mitigating risks.● Worked with departments to ensure timely and adequate remediation of any audit or examination findings.● Managed the operations of all the Bank’s branches and managed the deposit operations staff.● Performed the Human Resources function of the Bank, including recruiting, hiring, training, processing payroll and coordinating benefits for employees. -
Vice President And Senior Regulatory Risk ManagerTown & Country Bank Feb 2012 - Aug 2012● Recruited to improve the Bank’s compliance program and corporate governance issues. ● Developed safe and sound programs, established policies, procedures, and internal controls related to compliance, operations, deposits and lending, human resources, and corporate governance. ● Led the process to correct regulatory issues and improve the condition of the Bank, resulting in termination of regulatory concerns within a 6-month timeframe.
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Senior Vice President And Compliance Officer/Hr ManagerFirst Asian Bank/Royal Business Bank May 2009 - Nov 2011
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Vp ComplianceFifth Street Bank 2005 - 2008
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Compliance Officer/Hr ManagerSecurity State Savings Bank 2000 - 2005
Michele Guanzon Education Details
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University Of La VerneBusiness Administration And Management, General
Frequently Asked Questions about Michele Guanzon
What company does Michele Guanzon work for?
Michele Guanzon works for Habemco
What is Michele Guanzon's role at the current company?
Michele Guanzon's current role is Director of Compliance and CCO.
What schools did Michele Guanzon attend?
Michele Guanzon attended University Of La Verne.
Who are Michele Guanzon's colleagues?
Michele Guanzon's colleagues are Kelley Carlisle, Mack Wilson, Aaron Hayden, Crcm, Jd, Mike Hammer, Phil Case, Ji Hu, Rachel Stewart.
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Michelle Guanzon
Bulletproof Spirit Day Care Is A Boutique Family Day Care For Children Aged Up To Five Years Old In Cbd, Sydney.Greater Sydney Area -
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Michelle Grace G.
Davao Region, Philippines -
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