Legal guidance including contracts, leases, purchase agreements, licensing and consulting agreements, monetary demands, franchise agreements, and website terms of use and privacy policies. Analysis of national marketing and rebranding campaigns. Office assistance including bookkeeping utilizing QuickBooks, coordinating outside servicers including accounting, legal, and financial institutions, and creation of an employee handbook and corporate policies.

• Relationship management and servicing of delegated fiduciary trust account portfolio for Company’s wealth management division. Portfolio’s includes special accounts such as IRAs, CRUT, ILIT, Foundation, and Estates. • Account administration includes meeting with prospective clients and financial advisors; communicating with beneficiaries, co-trustees, and advisors in writing and verbally; facilitating distributions and overseeing operations performed by support staff; daily monitoring of internal reporting; performing administrative account reviews; and coordination of tax preparation. • Corporate Regulatory and Compliance subject matter expert working with designated BSA Officer on special projects to ensure regulatory standards are met. • Trust Committee ~ Administrative Subcommittee member developing and revising internal policy and procedures.

• Built out trust company compliance group overseeing company’s alternative IRA assets, non-qualified assets, and CaaS are complying with all state and federal regulatory requirements to be held at a public trust company. • Works with internal stakeholders including legal, info sec, and corporate compliance on projects including annual BSA risk assessment, state regulatory examination, SPAC process for public listing, and a partner data incident. • Drafts responses to formal consumer complaints received through regulatory agencies and analyzed metric data trending for ongoing issues and mitigation completion; Develops remediation plans based on internal and external audit findings and updates departmental policies and procedures as needed.• Acts as Secretary of the trust company and recording secretary for the trust company Board of Directors.

• In-house counsel for payments division providing legal advice and business guidance to ensure issues are addressed with appropriate risk tolerance in contract reviews, product development, IP protection, marketing reviews, and HR concerns. Draft and approve customer facing program materials including cardholder/account agreements, fee schedules, website terms and privacy policy, employer agreements, employee enrollment, card carrier, marketing emails, legal disclosures, and wind down notifications. • Completed internal legal survey of payroll laws for all 50 states and developed internal policies, procedures and reporting to enable company to implement compliant payroll card programs within 60 days. • Oversee compliance program to ensure bank, program managers, and vendors are complying with all state and federal regulatory requirements in such areas as prepaid cards, deposit accounts with overdraft protection, privacy and data breach laws, social media, and international money remittance. • Implementation and ongoing monitoring of the Prepaid Rule. • Coordinate outside counsel projects and litigation. Developed internal legal tracker to ensure annual legal budget is maintained. • Draft responses to formal consumer complaints received through regulatory agencies and analyze metric data trending for ongoing issues and mitigation completion.

Acted as third-party risk and oversight manager for 8 months completing due diligence and risk underwriting of external business partners and vendors. Completed annual risk assessments which are reported to executive leadership and the Board.

Managed six-person and administered corporate compliance program, oversaw quality assurance program, and in-house legal counsel

Responsible for oversight of enterprise-wide HIPAA privacy program for hospitals, clinics and nursing homes in 18 network communities, 12 managed and associate sites, 3 domestic world clinic locations, research, foundation, and Sanford Health Plan.

Oversaw implementation of process improvements and IT enhancements for pharmacy compliance area to mitigate identified risks. 2012 efforts included revisions to HIPAA verification grid used for all patient contacts, IT security updates to corporate website, multiple enhancements to the prescription processing system to reduce address and packaging errors, and delivery error monitoring with shipping vendors to eliminate recurrence and obtain refunds on incorrect charges.

Rendered support, legal advice, and research to Administrative Law Judges on a wide variety of complex, sensitive, and often confidential issues under the Social Security Act while implementing regional and national policy directives from SSA.

Formulated proposed orders & judgments in all legal areas: criminal, civil, family, and juvenile; Prepared legal memorandum, reports, & jury instructions; Answered correspondence & questions from the public; Legal research using Internet & Westlaw; Assisted county law library board with project to remodel library space.