Chief Compliance Officer

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Position
Chief Compliance Officer
Location Confidential
No
Location
No preference
Willing to Relocate
Yes
Industry
Financial-Banks-Commercial/Retail&CreditCards
Function
Compliance-with-Regulatory-Authorities
Compensation
$300,000 to $600,000

Resume Summary
Attorney/ compliance specialist with broad legal/ practical business experience. Proven track record of risk/ controls management to the satisfaction of regulators (CFPB, OCC, OTS, FTC, FDIC, Federal Reserve, state banking). Strategic thinker, strong advocate, and team builder.

Resume Body      CHIEF COMPLIANCE OFFICER

Chief Compliance Officer,
Senior Vice President - Compliance Manager
Director of Compliance
State Compliance Officer
Regional Compliance Officer
Chief Compliance Officer for lending portfolios, including originations, servicing, and collections. Previously, supported Consumer Banking executive management and line of business, especially in the Branch Banking and Telephone Banking Centers. Consumer Banking representative for Third Party Oversight, Elder/Vulnerable Adult Financial Protection and Abuse Reporting, and Regulation O. Developed and supervised execution of Branch Compliance Review Program. Established and maintained consumer lending compliance function for national credit card and merchant services divisions. Lead and managed consolidation and re-structure of consumer lending and deposit compliance for 18 retail banks, regulated by the Office of the Comptroller of the Currency, the Federal Reserve Bank, and the Federal Deposit Insurance Corporation and two consolidated retail banks. Implemented procedures to comply with the Office of Foreign Asset Control regulations. Enhanced insider lending policy and procedures to more effectively monitor for Regulation O. Reviewed marketing/advertising materials for compliance with Regulation Z and the Telephone Consumer Protection Act. Established effective processes in all loan underwriting centers to ensure compliance with relevant acts. Helped raise compliance examination rating. Initiated and established Second Review Underwriting Program and conducted Equal Credit Testing in accordance with Fair Lending Guidelines


Assistant Vice President & Director of Compliance
Legal counsel and compliance to a subprime indirect auto finance company. Managed compliance and quality assurance functions, supported by nine direct reports. Monitored core business processes (credit, funding, and collections); prepared reports. Obtained and retained all state-required consumer lending and collection licenses and registrations (over 100 licenses in approximately 40 states). Trained on federal and state consumer protection laws and regulations. Directed consumer defense litigation and document production. Managed examinations by federal and state regulatory authorities, responded to all exceptions noted, and handled remediation of violations of various regulations.

Compliance Manager
Managed a team of compliance subject matter experts responsible for program development and oversight of the laws, rules and regulations that affect or impact more than one line of business, including Unfair, Deceptive, and Abusive Acts and Practices, Equal Credit Opportunity Act and Regulation B, the Fair Credit Reporting Act and Regulaion V, Flood Disaster Protection Act, Servicemembers Civil Relief Act, and Military Lending Act.

Assistant Vice President, Compliance Officer, Bank Secrecy Act/Anti-Money Laundering Officer, Fair Lending Officer, Community Reinvestment Act Officer, HMDA Officer, OFAC Officer, Regulation O Officer
Lead a team of compliance professionals that provided compliance support to all savings bank units, including credit card, deposits, real estate mortgage, home equity, automotive, and consumer lending. Supervised examinations, and assessments. Implemented compliance training program. Obtained Outstanding CRA Performance Evaluation Rating. Navigated from limited risk-based assessment to full scope assessments program, including reviews of all products, forms, policies, and procedures from origination to servicing and collection. Implemented team based compliance support for each product line. Implemented changes to preemption brought about by Dodd-Frank Wall Street Reform Act, including tracking, reporting and implementing state consumer financial protection laws and regulations.

Consultant
Provided legal, compliance and licensing counsel to a number of savings banks, start-up mortgage companies, asset recovery agencies, third party collection agencies, and debt buyers.


General Counsel & Chief Compliance Officer
Provided legal support/systems and counsel to all business units, including marketing, sales, business development, operations, risk management, accounting & finance, tax, and informational technology. Lead and supervised contracts administration, licensing, compliance, and quality control functional teams. Navigated acquisition of privately held mortgage company to private equity firm. Implemented electronic contract administration system to track provisions/renewals. Reduced number and monetary exposure for regulatory exam exceptions. Reviewed, revised, and approved all contracts. Negotiated, reviewed, and revised license agreements, third party vendor, and consulting agreements. Drafted releases, non-disclosures agreements, and confidentiality agreements. Enforced alternative dispute resolution agreements. Responded to litigation, including court appearances; managed outside counsel to evaluate claims and settle or litigate lawsuits. Reviewed and registered trademark and trade names. Ensured corporate governance of complex business structure. Supported all aspects of Human Resources functions from hiring through termination.


Chief Compliance Officer and Associate Corporate Counsel
Director of Compliance and Associate Corporate Counsel
Established compliance department functions for education loan company. Implemented training and monitoring to ensure compliance with all state and federal consumer protection laws and regulations. Participated in new product development, including Stafford, PLUS, and alternative private loans. Acquired and renewed state Telemarketing licenses and related Do Not Call list registrations. Drafted, reviewed, revised, and negotiated contracts. Interacted with outside counsel to review, investigate, and approve complaints and motions; evaluate claims; settle or litigate lawsuits; and provide litigation support. Responded to subpoenas and requests for document production. Resolved consumer complaints filed with the Better Business Bureau, state regulators, or Attorneys General.


Vice President Compliance and General Counsel
Vice President and Chief Compliance Officer
Implemented compliance program for financial services debt buyer and collection agency subsidiary, most involving consumer credit card portfolios. Managed acquisition/renewal of state collection agency licenses. Ensured compliance with state/federal laws and regulations.


Director of Policy and Compliance Support
Lead and directed compliance and quality control for indirect/direct sub-prime automotive finance subsidiaries of a major consumer finance company supported by two managers with 18 direct reports. Monitored all business processes on a rotating annual basis and prepared reports to senior management. Facilitated acquisition and renewal of state consumer lending and collection licenses, registrations, and annual reports (approximately 200 licenses in 46 states). Developed Train-the trainer program on federal/state consumer protection laws and regulations. Handled development, publication, and maintenance of all policies and procedures. Managed examinations by Office of Thrift Supervision and state regulatory authorities, as well as internal audits, and responded to all exceptions noted.


Consumer Compliance Officer/Assistant Vice President
Developed and implemented consumer compliance function for commercial bank; facilitated change in compliance examination rating assigned by the Federal Reserve Bank from substantial non-compliance to outstanding, successfully removing the burden imposed by a MOU in eight months time.


Attorney

Law Clerk


EDUCATION
J.D., Comments Editor and Staff Writer, law review
B.A., with Honors, Double Major: Political Science and Administration of Justice


PUBLICATIONS
Co-Author, Association of Corporate Counsel
Author, Mortgage Banking magazine
Author, Greenwood Press
Reviewer, American Bankers Association

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Chief Compliance Officer

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Debugging Information
ColdFusion Server Enterprise11,0,19,314546
Template /ResumeDatabase/SiteMapping_index_byFunction.cfm
Time Stamp 23-Oct-21 04:16 PM
Locale English (US)
User Agent ColdFusion
Remote IP 192.168.1.49
Host Name 192.168.1.49


Execution Time

Total TimeAvg TimeCountTemplate
0 ms0 ms1D:/inetpub/wwwroot/ritesite.com/Application.cfm
0 ms0 ms1top level D:\inetpub\wwwroot\ritesite.com\ResumeDatabase\SiteMapping_index_byFunction.cfm
0 ms0 ms1D:/inetpub/wwwroot/ritesite.com/ResumeDatabase/act/SiteMapping_indexAct.cfm
0 ms0 ms1D:/inetpub/wwwroot/ritesite.com/ResumeDatabase/inc/SiteMapping_resumeResultDetailInc.cfm
0 ms0 ms1D:/inetpub/wwwroot/ritesite.com/ResumeDatabase/lcl/spSelectIndustriesAndPositionsByResumeID.cfm
0 ms0 ms1D:/inetpub/wwwroot/ritesite.com/ResumeDatabase/lcl/spSelectResumeByResumeID.cfm
0 ms0 ms1D:/inetpub/wwwroot/ritesite.com/gbl/execLoggedOff_SITEMAP.cfm
0 ms0 ms1D:/inetpub/wwwroot/ritesite.com/gbl/site.cfm
0 ms0 ms1D:/inetpub/wwwroot/ritesite.com/gbl/sitemapping_resume_index_header.cfm
0 ms0 ms1D:/inetpub/wwwroot/ritesite.com/gbl/sitemapping_site.cfm
0 ms STARTUP, PARSING, COMPILING, LOADING, & SHUTDOWN
0 ms TOTAL EXECUTION TIME
red = over 250 ms average execution time


Stored Procedures

SelectPostedResumeByResumeID (Datasource=RiteSite, Time=0ms) in D:\inetpub\wwwroot\ritesite.com\ResumeDatabase\lcl\spSelectResumeByResumeID.cfm @ 16:16:34.034
    
parameters
typeCFSQLTypevaluevariabledbVarName
 IN CF_SQL_VARCHAR 65DYMU2Y94SA  
 IN CF_SQL_INTEGER 1003  
    
resultsets
nameresultset
 rsSelectResumeByResumeID_1 1
 rsSelectResumeByResumeID_2 2
 rsSelectResumeByResumeID_3 3
 rsSelectResumeByResumeID_4 4
SelectIndustriesAndPositionsForResume (Datasource=RiteSite, Time=0ms) in D:\inetpub\wwwroot\ritesite.com\ResumeDatabase\lcl\spSelectIndustriesAndPositionsByResumeID.cfm @ 16:16:34.034
    
parameters
typeCFSQLTypevaluevariabledbVarName
 IN CF_SQL_VARCHAR 65DYMU2Y94SA  
    
resultsets
nameresultset
 rsSelectResumeByUserIDAndConceal 1


Scope Variables

Application Variables: applicationname=RiteSite 
CGI Variables: AUTH_PASSWORD= AUTH_TYPE= AUTH_USER= CERT_COOKIE= CERT_FLAGS= CERT_ISSUER= CERT_KEYSIZE=128 CERT_SECRETKEYSIZE=2048 CERT_SERIALNUMBER= CERT_SERVER_ISSUER=C=US, O=DigiCert Inc, CN=DigiCert TLS RSA SHA256 2020 CA1 CERT_SERVER_SUBJECT=C=US, S=Louisiana, L=LaPlace, O=Ritesite Custom Career Services Inc, CN=www.ritesite.com CERT_SUBJECT= CF_TEMPLATE_PATH=D:\inetpub\wwwroot\ritesite.com\ResumeDatabase\SiteMapping_index_byFunction.cfm CONTENT_LENGTH=0 CONTENT_TYPE= CONTEXT_PATH= GATEWAY_INTERFACE=CGI/1.1 HTTPS=on HTTPS_KEYSIZE=128 HTTPS_SECRETKEYSIZE=2048 HTTPS_SERVER_ISSUER=C=US, O=DigiCert Inc, CN=DigiCert TLS RSA SHA256 2020 CA1 HTTPS_SERVER_SUBJECT=C=US, S=Louisiana, L=LaPlace, O=Ritesite Custom Career Services Inc, CN=www.ritesite.com HTTP_ACCEPT= HTTP_ACCEPT_ENCODING=gzip,deflate HTTP_ACCEPT_LANGUAGE= HTTP_CONNECTION=close HTTP_COOKIE= HTTP_HOST=www.ritesite.com HTTP_REFERER= HTTP_URL= HTTP_USER_AGENT=ColdFusion LOCAL_ADDR=192.168.1.28 PATH_INFO= PATH_TRANSLATED=D:\inetpub\wwwroot\ritesite.com\ResumeDatabase\SiteMapping_index_byFunction.cfm QUERY_STRING=mode=detail&ResumeID=65DYMU2Y94SA&executive=resumes&FunctionID=0&start=1&SITE_MAP_RESUMES_FILE=&SiteMapFunctionName=Legal&RequestTimeout=999999 REMOTE_ADDR=192.168.1.49 REMOTE_HOST=192.168.1.49 REMOTE_USER= REQUEST_METHOD=GET SCRIPT_NAME=/ResumeDatabase/SiteMapping_index_byFunction.cfm SERVER_NAME=www.ritesite.com SERVER_PORT=443 SERVER_PORT_SECURE=1 SERVER_PROTOCOL=HTTP/1.1 SERVER_SOFTWARE=Microsoft-IIS/8.5 WEB_SERVER_API= 
Cookie Variables: CFID=1875297 CFTOKEN=e171ec3a6e297656-D61FDD1C-A728-3FA0-D9B285F60B2AB053 
Server Variables: coldfusion=Struct (10) os=Struct (5) 
Session Variables: cfid=1875297 cftoken=e171ec3a6e297656-D61FDD1C-A728-3FA0-D9B285F60B2AB053 jobrecon=0 reconwindowsame=1 resultsperpage=20 rsdirectonly=0 rsjava_ok=1 rswindowsame=1 sessionid=RITESITE_1875297_e171ec3a6e297656-D61FDD1C-A728-3FA0-D9B285F60B2AB053 urltoken=CFID=1875297&CFTOKEN=e171ec3a6e297656-D61FDD1C-A728-3FA0-D9B285F60B2AB053 
URL Parameters: FunctionID=0 RequestTimeout=999999 ResumeID=65DYMU2Y94SA SITE_MAP_RESUMES_FILE= SiteMapFunctionName=Legal executive=resumes mode=detail start=1 
Debug Rendering Time: 15 ms