Michael Mcculley Email & Phone Number

Jacksonville, Florida, Us

Knoxville, Tn, Us

Chief legal, risk and compliance executive for a leading account management, data and payment processing company. BSA/AML Compliance Officer and Qualifying Individual for RAM Payment, LLC dba Reliant (NMLS ID 1867991), a licensed money transmitter.

Knoxville, Tn, Us

Head of risk and compliance for a specialized independent third-party account management, data and payment processing, and accounting service company. Responsible for ensuring RAM’s compliance with regulatory requirements and industry best practices. Ensures compliance responsibilities are established and communicated to staff, and those responsibilities are incorporated into RAM’s policies, procedures, training and compliance monitoring. Manages all licensing and serves as the point person for regulators including states, CFPB, FinCEN, and NMLS.

Mount Laurel, Nj, Us

Global head of Mortgage Servicing Compliance for Ocwen Financial Corporation and its subsidiaries, PHH Mortgage and Liberty Home Equity Solutions. Led a multinational team of over 60 compliance professionals responsible for supporting and guiding the Servicing Business in all regulatory compliance related matters, as well as ensuring compliance through monitoring and testing.• Key Servicing Compliance stakeholder in the acquisition, merger and integration of PHH Mortgage.• Ensured compliant migration of over one million mortgage loans from REAL Servicing to Black Knight MSP platform.• Designed and implemented an in-house regulatory compliance monitoring and testing program, migrating from 3 vendors resulting in over $2M annual cost savings to the company.•Provide Compliance support in the implementation of the CFPB 2016 Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z).•Work closely with the Chief Compliance Officer, Chief Servicing Officer, Chief Risk Officer, as well as other executive and senior leaders in the servicing organization, to ensure that the resources of the Servicing Compliance team are deployed to efforts that would best assist in reducing and controlling compliance risks.•Support the completion of an external default servicing review by providing executive oversight and internal SME support in the oversight of the formulation and implementation of remediation plans for any identified gaps and execute necessary remediating actions.•Provide compliance guidance and support to Third Party Risk Management by reviewing, revising and discussing statements of work and contracts.•Provide compliance support and sign-off for Policy and Procedure re-certification, revisions, and requests for change management process.•Support development and implementation of privacy policies including GLBA and CCPA.•Key Compliance Stakeholder for IT and Info Sec Risk issues

State of New Jersey Executive responsible for ensuring compliance with all Federal and State laws and regulations, as well as industry best practices that govern the financial aid sector. Ensured that compliance responsibilities are established and communicated to employees, and that those responsibilities for meeting legal and regulatory requirements are incorporated into HESAA's business practices. Managed HESAA's Compliance Program which consists of policies and procedures, training materials, as well as monitoring and remediation preparedness. Oversaw HESAA's response to consumer complaints and inquires, including managing HESAA's relationship with the Consumer Financial Protection Bureau ("CFPB") and the Federal Student Aid Ombudsman at the U.S. Department of Education.Responsible for conducting comprehensive investigations responding to borrower requests for Administrative Review, Closed School Discharges, False Certification Discharges, Unpaid Refunds, Ombudsman Inquiries, FMS Offset appeals, Consumer Financial Protection Bureau Complaint Portal and Fraud and Forgery Claims.Presented high-level compliance program reporting and training to the Board of Directors on a quarterly basis.Ensured that staff received ethics training and conducted any investigation required for infractions of the State Ethics Code.Hearing officer for agency and was responsible for conducting hearings, hearing the arguments from Human Resources, the Union / Employee, and rendering a final agency decision on matters.Directly managed Chief Information Security Officer (CISO) and ensured Authority Information Technology compliance with FISMA and NIST. Established and enforced Authority Privacy Policy.

Mount Laurel, Nj, Us

Key Mortgage Servicing Compliance Stakeholder for CFPB Initiatives Project.Provide Compliance guidance and support to business owners on legal requirement implementation for policies, procedures, job aids, and training materials.Expert subject matter knowledge of Federal and State regulations including the Dodd-Frank Act, FDCPA, FCRA, ECOA, Regulation B, TILA, Regulation Z, RESPA, Regulation X, Gramm–Leach–Bliley Act, Regulation P (privacy policies), Regulation E, the U.S. Bankruptcy Code and Federal Rules of Bankruptcy Procedure.Participate in change management process to provide compliance implementation recommendations to Operational Control.Validate mapping of legal requirements to procedures, controls, and test scripts.

Cleveland, Ohio, Us

Attorney in private practice at the Philadelphia office of the nation's largest creditor's rights firm, managing consumer and commercial collection litigation for New Jersey.• Responsible for reviewing changes to Federal and New Jersey law including the Dodd-Frank Act, FDCPA, FCRA, ECOA, GLBA, TILA, RESPA, and ensuring New Jersey litigation processes and procedures are in compliance with same.• Provides opinions and guidance to compliance department in defense and counterclaim litigation.• Oversees all replevin litigation for Eastern Pennsylvania and New Jersey, including auto, marine, and other secured loans.• Manages all consumer and commercial collection litigation for New Jersey, including Mortgage and HELOC deficiency, Auto Loans, Auto Leasing, Student Loans, Credit Card Collections, and other consumer and commercial loans.• Successfully handles thousands of cases from demand and complaint through discovery, trial, and post judgment.• Thousands of hours of litigation experience in the courtroom for motions and trials.• Represents government backed student loan lenders in federal court litigation.

• Served as Managing Attorney for the largest filer of consumer bankruptcies in Eastern PA.• Managed legal assistants, paralegals, and attorneys in the bankruptcy department.• Negotiated with loss mitigation departments of lenders to obtain loan modifications (HAMP,HEMAP, and private), short sales, and deeds in lieu of foreclosure on behalf of clients.• Defended foreclosure actions and complaints in ejectment.

Associate Attorney (2008- 2009) and Law Clerk (June 2006 – October 2008)• Met with clients and performed intakes, prepare Chapter 7, 11, and 13 bankruptcy petitions andplans and attended court on motions and confirmation hearings.• Researched and wrote memoranda on complex legal issues in many diverse areas of the lawincluding bankruptcy, business, civil procedure and conflicts of law, copyright, consumer, criminal, discrimination, constitutional, estates, trusts, taxation, immigration, personal injury, landlord and tenant, land use, real estate, mortgages, foreclosure, and family law.• Drafted contracts, leases, NUBs, liens, corporate resolutions, applications for variances, loan closing documents, deeds, wills and license applications.• Assisted partners in the supervision and management of support staff and law clerks.

Yardley, Pa, Us

• Supervised all information systems for 25 publications in 17 office locations.• Researched and wrote training manuals and conducted training sessions.

Managed projects, trained consultants and clients, analyzed and solved problems.

Supervised data network and provided support and training for over 2,000 users.

• Founded, owned and managed a website design and hosting company.• Publicly presented products and services.

Juris Doctor, Law

Bachelor Of Arts In Political Science, Political Science, Pre-Law Concentration