Yilin Chen Email and Phone Number

● Advise the Board of Directors and the executive team on all relevant legal and regulatory issues. Make pragmatic and business-oriented recommendations to the CEO to ensure alignment between risk tolerance and business outcomes.● Handled all drafting, negotiation and advising the company’s sales, business development, vendor, independent contractor, technology, data and licensing agreements (with a focus on SaaS agreements).● Onboarded contract management system (LinkSquare) to house all commercial contracts and routine SaaS subscription, data licensing, marketing service agreements and NDAs. ● Advised the Marketing and Sales team on all ad-tech and digital media regulations.● Administer and manage the company’s data privacy and data sharing policy.● Build and implement key components of the Company’s Compliance Management System.● Handled all employment related legal issues.● Managed Company's IP catalog. ● Serve as corporate secretary for all Board meetings and oversee all corporate governance functions, including managing stock option grants, maintaining the cap tables and responding to investor’s information requests.● Scale the Legal, Compliance and People Ops headcount from 1 to 7 within an 18-month period.● Partnered with the Product, Engineering, Marketing and Sales team to successfully launch 6 new products within a 24 month. Engage in full lifecycle product counseling from initial R&D scoping through successful product launch. ● Oversee the company’s entire licensing catalog in 23 states, including filing annual renewals and annual report filings. Lead the company’s response to all state regulatory examinations.● Manage outside counsels and legal budget to ensure high quality and cost-effective legal representation. ● Partner with outside counsel on all venture capital fundraising activities; successfully closed the company’s Series B within 30 days from the execution of the term sheet.

● Advised the executive team on all consumer finance and mortgage regulatory matters.● Handled all drafting, negotiation and advising the company’s sales, business development, vendor, independent contractor, technology, data and licensing agreements in coordination with internal colleagues and 3rd parties.● Worked with the business stakeholders to implemented a standardized commercial contract process that reduced the average commercial contract negotiation timeline from 14 business days to 5 business days. ● Handled all employment and HR issues at the company. Successfully resolved 2 EEOC matters and 3 employment related litigations over the course of 2 years. ● Oversaw and managed all IP relates issues at the company, including obtaining and maintaining copyrights and trademarks for the company’s name and logo. ● Partnered with the internal compliance team to identify and mitigate key risks to the business and handled semi-annual compliance audit and monitoring programs. ● Collaborated with the Capital Markets team to obtain secured/asset-based financing for all Angel Oak mortgage products. Review and finalize all documents necessary to close these capital markets transactions, including the Master Repurchase Agreement, Servicing Agreements, and MLPSA. Closed over $1bn in secured financing over a period of 2 years.● Partnered with whole loan portfolio managers and outside counsels to complete quarterly securitization of non-QM mortgage loan pools under the AOMT shelf. Completed over $1.5bn in non-QM RMBS transactions over the course of 2 years.

Oversaw the Legal and Compliance functions at the company. Make pragmatic and business oriented recommendations to the CEO to ensure alignment between risk tolerance and overall business goals. ● Advised the Board of Directors on all ongoing legal and compliance related issues at the Company, including any new legal development, emerging corporate governance issues and critical legal escalations.● Handled all drafting, negotiation and advising the company’s sales, business development, vendor, independent contractor, technology, data and licensing activities in coordination with internal colleagues and 3rd parties.● Oversaw the company’s entire licensing catalog in 50 states, including annual renewals, annual report filings and business license renewals. Tracked all licensing renewals and annual report filings by creating an interactive dashboard with timeline reporting and calendar notifications.● Successfully completed 11 state regulatory and licensing examinations with no fault final findings for all 11 examinations by administering: (1) a highly effective CMS with rigorous policy & procedure framework; (2) robust 1st line and 2nd line audit and monitoring program; and (3) rigorous gap analysis underpinned by a data driven Complaint Management Tracker.● Created a more efficient and data driven Compliance Management System by implementing: (1) ansemi-automated Internal Audit Platform, (2) Complaint Management Tracker dashboard with KPI tracking,(3) push notification to applicable operational departments for regulatory and legal updates, and (4) metrics based scorecards for critical vendors.● Partnered with the Product and Engineering teams to implement a TCPA and FDCPA compliant dialing solution within 6 months.● Handled all litigation and legal escalations and managed outside counsels on behalf of the company.and managed outside counsels on behalf of the company.

Managed a team of attorneys and paralegals to handle all consumer finance litigation, regulatory matters related to mortgage origination and servicing and real estate transactions. • Advised large financial institutional clients on all mortgage related regulatory matters such as FHA, FNMA and FHLMC regulatory and servicing directives, RESPA, TILA/Reg. Z, state predatory lending rules, and UDAAP issues and drafted legal opinions for the firm's clients for their regulatory examinations and state licensing audits.● Handled all drafting, negotiation and advising the company’s sales, business development, vendor, independent contractor, technology, data and licensing activities in coordination with internal colleagues and 3rd parties.● Created effective Compliance Management Systems for firm’s mortgage clients as measured by several clean, no fault CFPB examination findings by enacting rigorous policies and procedures framework coupled with robust 1st line and 2nd line monitoring against set benchmarks and creating a comprehensive data driven dashboard to proactively identify gaps within the CMS.● Increased the headcount of attorneys and paralegals in the Georgia office from 5 to 20 as the revenue tripled and the number of clients quadrupled over the 3-year period.● Drove the firm’s efficiency for certain default servicing procedures (ie. lien searches, monthly SCRA and BK reviews) by 5x by partnering with the firm’s engineering & product teams to automate these functionalities.● Created a data driven and KPI oriented culture at the firm by implementing workflow & SLA reporting, KPI dashboards and monthly feedback sessions with the team.