•Provide legal advice to personal and business bank specific to digital, fraud and privacy matters• Prepare and review mobile and digital banking platforms and collateral for retail and business banking customers• Interpret legislation, and advise senior management on industry and regulatory trends• Implement improvements to internal policies and procedures, ensure ongoing regulatory compliance• Identify reputational and operational risks, engage enterprise-wide stakeholders• Regulatory Expertise: Emerging digital, mobile and e-commerce regulation, global privacy and consumer regulation

Provided legal advice to corporate, small business and retail credit cards lines of business Interpreted legislation, and advise senior management on industry and regulatory trendsDrafted and reviewed complex transactional legal documentation and agreements for personal and business banking Implemented improvements to internal policies and procedures, ensure ongoing regulatory complianceIdentified reputational and operational risks, engage enterprise-wide stakeholders in support of business groupRegulatory Expertise: Consumer and corporate lending, global privacy, and emerging e-commerce regulation

Regulatory Transformation Office:Responsible for analyzing new regulations and proposed rules affecting Capital Markets across multiple regulators/jurisdictions in the United States, Canada, Europe, and Asia. Supported regulatory change management process for 1st line Compliance and Capital Markets lines of business

Senior Credit Card Compliance Officer covering BMO Financial Group's portfolio of corporate and retail credit card businesses units including BMO Harris Bank MasterCard, BMO Harris Bank Premier World MasterCard, BMO Harris MasterCard Business Card, as well as the Diners Club Card Premier, Diners Club Elite and Diners Club Corporate Cards. Key Responsibilities:• Ensure each credit card line of business has adequate controls in place in response to new and existing regulatory requirements, risk assessment, compliance monitoring, issue tracking, root cause analysis, and reporting• Assess the impact of regulatory developments on lines of business, and support the development of new control mechanisms• Provide advisory services on compliance matters to lines of business• Consult on new products, services and automated systems to assist the lines of business with incorporating compliance requirements into these initiatives• Serve as communication point for examiners on elements of the compliance risk management program. Assist management in examination communication and management• Work with business line compliance officers, legal department and management toward ensuring that effective and efficient compliance risk management solutions are identified and implemented• Review various forms, disclosures and advertisements for compliance requirements• Regulatory Expertise: Regulation. Z, Regulation E, Fair Credit and Reporting Act, Equal Credit Opportunity Act, and CFPB Regulation

CCO and Internal Counsel for two registered investment advisers specialized in alternative investments and liquid alternative mutual funds –products include: two private fund of funds, public and private merger arbitrage funds, multi-manager hedged equity and global macro mutual funds• Developed compliance program for newly established adviser from scratch; oversaw offering documents/fund prospectus • Supported Investment Committee with initial legal and operational due diligence of prospective managers; provided ongoing monitoring of private fund managers and sub-advisers to mutual fund products• Drafted and reviewed compliance policies and procedures; prepared regulatory and Board documentation (e.g. 206(4)-7 annual reviews, Form ADV, Form D, 15C reviews, annual reviews of sub-advisers)• Performed continuous testing of key business functions such as trading, fees & expenses, and marketing materials• Researched and advised firm on applicable SEC and other federal regulation; provide annual training for all staff • Drafted & reviewed contracts and additional legal documents• Regulatory Expertise: Investment Advisers Act of 1940, Investment Company Act of 1940, Securities Act of 1933 and FINRA Regulation

Responsible for the design, implementation and execution of compliance polices, procedures and oversight at Vivaldi Capital Management and Vivaldi Asset Managment.

Researched and advised attorneys with respect to legal and regulatory issues affecting commercialand consumer deposit and lending operations as well as litigation matters

Provided attorneys guidance legal and regulatory issues affecting privacy, international bank secrecy, and data protection laws

Founded and led a non-commercial art gallery in Berlin, Germany.schalter-berlin.com