o Conducts research and provides analysis on legal question related to AccessOne’s consumer lending business, corporate agreements, and other activitieso Provides legal counsel to AccessOne’s Engineering, Design, Business Development, and Marketing teamso Maintains company lending licenses and responds to requests for information from both state and federal regulatorso Monitors regulatory changes at both the state and federal level and identifies potential business impacts of policy changeso Helps formulate policies, procedures, and guidelines as part of AccessOne’s Compliance Management System

Resolution and Recovery Planning Sectiono Provided advice and support to the Wells Fargo Recovery and Resolution Planning Officeo Ensured Wells Fargo compliance with all resolution and recovery planning rules and guidanceo Analyzed the impact of new law and regulations on recovery and resolution planning issueso Trained other bank personnel on issues related to the firm’s preferred resolution strategy

Duties and Responsibilities• Developed and executed FSR annual regulatory advocacy agenda• Advocated on behalf of FSR management and FSR member companies on insurance, securities, consumer finance, and banking issues • Advised FSR companies on legal and regulatory issues relating to risk management, lending and leasing, prudential standards, and administrative law• Prepared and presented written legal research and analysis on regulatory and legislative developments• Convened meetings with and facilitated contact between FSR member companies and federal regulators• Authored external communications content including regulatory comment letters, submissions to Congress, press releases, blog posts, and internal legal memos• Organized and led monthly conference calls of the following FSR industry groups: Prudential Regulation, Insurance, Swaps and Derivatives, Capital Planning, and FR Y-14 Reporting • Planned and executed annual conferences of the FSR Lawyers Council, the FSR Chief Risk Officer Council as well as other industry events• Managed FSR legal intern program• Administered billing for specialized legal and risk management advocacy projects• Established and grew relationships with peer organizations and other industry stake holders• Coordinated submission of approximately 80 comments letters each year to federal financial regulatorsIllustrative Projects• Led multi-sector project to provide guidance to the Treasury Department and the Administration on how to improve the financial system• Provided real-time analysis on the content and potential impact of both the 2016 and 2017 versions of the Financial CHOICE Act and the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act• Conducted member surveys on the impact of proposed regulatory limits on incentive-based compensation, met with regulators to present survey results, and to present other industry concerns with the proposal• Increased FSR regulatory related communications by 400%

ILLUSTRATIVE PROJECTS• Presented seminar to Hill Staff on financial regulatory system• Coordinated FSR engagement contracts with outside counsel• Conducted FSR member-wide study on the impact of a proposed rule on limits to incentive-based compensation• Prepared monthly progress report on the adoption of Dodd-Frank rulesBanking & Consumer Protection• Coordinated FSR comments to Federal Reserve proposals implementing enhanced prudential standards for bank holding companies with more than $50 billion in assets including new liquidity coverage ratio regulations• Organized a series of meeting with the FDIC and Federal Reserve regarding annual resolution plan requirements• Wrote FSR letter on OCC Heightened Expectations for larger national banks• Helped author FSR amicus brief in an appellate case on disparate impact claims under the Fair Housing Act• Created a new industry working group dedicated to the annual Comprehensive Capital Analysis and Review (CCAR) process • Wrote FSR letter to CFPB on proposed amendments to Privacy Notice rules Capital Markets• Led multi-trade industry coalition to maintain the CFTC’s current swap dealer de minimis level• Provided response to the Office of Financial Research report on the economic impact of asset management activities• Helped prepare FSR comments on the creation of a national OCC Charter for Fintech companiesInsurance• Wrote series to letters to FIO on the concept of auto insurance affordability• Helped author policy paper on ways to improve the transparency of FSOC’s review of non-bank financial companies• Authored letter to IAIS on improving the system for designating insurers as systemically importantPayments & Technology• Organized roundtable to discuss the possible impact of Madden v. Midland Financial decision on bank partnerships with online lenders• Helped develop talking points on reducing redundancies in cybersecurity requirements of different financial regulators

ILLUSTRATIVE PROJECTSBanking • Built multi-trade coalition efforts to respond to proposals implementing the Basel III Capital Accords• Provided research on FDIC proposal on Orderly Liquidation Authority• Prepared report on elements of FinCEN proposed rule on enhanced customer due diligenceConsumer Protection• Led conference calls on the impact of new CFPB mortgage regulations on servicing and underwriting• Provided analysis related to the CFPB’s supervisory policy statements on indirect auto lending• Collected FSR member views on the possible definition of “qualified mortgage” under the Truth in Lending ActCapital Markets• Helped develop FSR comment letters objecting to proposed Department of Labor rules in 2011 and 2013 that established a new definition for “investment advice fiduciary”• Coordinated FSR response to proposed scope of CFTC rules on swaps reporting, clearing, and trading• Authored internal memo on impact of adopting a floating net-asset-value for money market funds• Wrote comment letters in response to agency plans to delete regulatory references to credit ratings• Participated in joint-industry meetings with the SEC on improving FCPA guidance• Wrote series of letter to regulator to clarify the impact of Congressional legislation on the implementation of the swaps push-out rule• Prepared summary on joint-agency Volcker Rule regulation, including its impact of trust preferred securities and collateralized loan obligations Insurance• Helped author FSR comment letter to the Federal Insurance Office on suggested modernizations the U.S. insurance system• Helped author letter to federal regulators on adapting the Volcker Rule to the needs of the insurance sectorPayments & Technology• Summarized comment letters to CFPB on its proposed rule on remittances• Wrote FSR comment letter on the designation of systemically important financial market utilities• Reviewed series of FSR legal briefs in support of the Federal Arbitration Act

ILLUSTRATIVE PROJECTS• Published weekly bulletin on regulatory developments in the financial services sector• Developed, wrote, and edited FSR regulatory comment letters • Helped develop 17 internal FSR working groups focused on different areas of the Dodd-Frank Act• Served as staff support for FSR regulatory working groups on Swaps, Credit Rating Agencies, Corporate Governance, Retail Securities, and Systemic Risk• Helped author FSR comment letter on the designation authority of the Financial Stability Oversight Council• Collected feedback on industry reaction to proposed SEC rules on whistleblower bounties• Increased FSR regulatory related communications by 400%Banking & Consumer Protection• Prepared list of Statutory Authorities that would be transferred to the Bureau of Consumer Financial Protection• Summarized initial draft of BCFP TILA-RESPA harmonization disclosureCapital Markets• Helped write FSR submission to the Treasury Department on the treatment of non-deliverable FX forwards• Collected information on the market impact of a proposed change to DOL definition of “investment advice fiduciary”• Organized meeting with regulators on the treatment of inter-affiliate swaps• Coordinated FSR participation in industry initiative support of a universal Legal Entity Identifier (“LEI”) system

Summer Honors Program, Office of the Director of Enforcement --Conducted research for public statements given by Division Director Rob Khuzami and Associate Director Chris Conte--Prepared a memorandum concerning the potential impact of SEC v. Dorozhko--Produced policies, procedures, and ethical guidelines to correspond with the Division's new case management system--Aided in document review, case closures, and acted as a liaison to the Office of Compliance, Inspections, and Examinations concerning data sharing--Participated in taking depositions

--Drafted answers to complaints, Rule 12(b)(6) motions to dismiss, summary judgment motions, Rule 6(b) motions to enlarge, and motions in limine to suppress evidence concerning damages--Drafted legal research memoranda on both federal and local questions of law --Gathered information from other government agencies necessary to investigate plaintiff allegations

Lead Staffer for Senator Howard A. Stephenson of Utah's 11th District Researched legislative issues including corporate taxation, school vouchers, and the State's 2007 public education budget

Conducted legal research; coordinated the firm's non-profit program, Legal Equity for Minority Youth (LEMY)