Strong client-service risk and compliance leader responsible for the strategy and execution of compliance programs in the financial services industry including banking and lending products. Specialties: co-brand partner cards, private label cards, and digital payment products, student and private loans and deposit products. As an independent compliance function, I lead teams that support first line business activities to ensure they are operating within risk appetite. Providing advisory and leading compliance teams in the analysis and execution of risk assessment, risk appetite management, monitoring plan design and execution, issue management, complaint management, regulatory change management, partner management, third and fourth party risk, and new and modified initiatives. Extensive experience curating, managing and implementing enterprise risk and compliance management systems and operational improvements. Strategic application of technical and principle-based consumer protection regulations (Privacy, Fair Lending, UDAAP, BSA/AML, and A-Z) that reduce risk while supporting our business partners