Experience

PeoplesBank

• United States
• Banking
• 200 - 300 Employee

• Vice President Compliance, CRA Officer & Corporate Secretary

  • Dec 2015 - Present

  Holyoke, Massachusetts I serve as the bank's Compliance & CRA Officer with the bank's BSA & Security Officer and their staff reporting to me. I am the bank's liaison with regulators for both Compliance and Safety and Soundness examinations as well as corporate matters. I work with senior management and the Board of Directors on various legal and regulatory matters, with an emphasis on risk based, practical solutions to regulatory and legal issues. I work hard to make sure Compliance is supporting business lines… Show more I serve as the bank's Compliance & CRA Officer with the bank's BSA & Security Officer and their staff reporting to me. I am the bank's liaison with regulators for both Compliance and Safety and Soundness examinations as well as corporate matters. I work with senior management and the Board of Directors on various legal and regulatory matters, with an emphasis on risk based, practical solutions to regulatory and legal issues. I work hard to make sure Compliance is supporting business lines throughout the bank to enable growth, profitability, and innovation, while maintaining a strong compliance culture. Show less



Boston University School of Law

• United States
• Higher Education
• 200 - 300 Employee

• Lecturer in Law

  • Jan 2012 - Present

  Boston, MA I teach a course on Consumer Financial Services in the LLM Program for Banking & Finance. The class is also offered on-line as part of a compliance certification program offered by the school of law and accredited by the ABA. This class presents an overview of the laws relating to traditional and innovative consumer financial products and services, including the impact of the consumer protection provisions of the Dodd-Frank Act on creditors and consumers. The course focuses on federal consumer… Show more I teach a course on Consumer Financial Services in the LLM Program for Banking & Finance. The class is also offered on-line as part of a compliance certification program offered by the school of law and accredited by the ABA. This class presents an overview of the laws relating to traditional and innovative consumer financial products and services, including the impact of the consumer protection provisions of the Dodd-Frank Act on creditors and consumers. The course focuses on federal consumer financial laws governing installment, revolving, and real estate lending, credit and debit cards; and ATM networks, point of sale payment systems, home banking, stored value and prepaid cards; and other deposit and loan products and services. The course examines the design of retail financial products and considers operational issues, the regulatory framework, and consumer protection laws including The Consumer Financial Protection Act, Truth in Lending, Equal Credit Opportunity, Community Reinvestment Acts, and federal and state laws governing fair credit reporting, trade practices, usury, electronic funds transfers, and funds availability. Show less



Western New England University School of Law

• United States
• Law Practice
• 1 - 100 Employee

• Adjunct Professor

  • Jan 2008 - Dec 2015

  Springfield, MA Created and taught a course on the Uniform Commercial Code with emphasis on Article 2 and Article 9. The course is a survey course designed by me for students in the second and third year of law school. Taught a course on Payment Systems focusing on issues with Uniform Commercial Code Articles 3, 4 and 4A, and related regulations (Reg. Z, Reg. E, etc.), as well as ACH and NACHA, Internet based payment sytems, credit and debit cards, letters of credit, guarentees and other issues related… Show more Created and taught a course on the Uniform Commercial Code with emphasis on Article 2 and Article 9. The course is a survey course designed by me for students in the second and third year of law school. Taught a course on Payment Systems focusing on issues with Uniform Commercial Code Articles 3, 4 and 4A, and related regulations (Reg. Z, Reg. E, etc.), as well as ACH and NACHA, Internet based payment sytems, credit and debit cards, letters of credit, guarentees and other issues related to payment systems. Show less



Hampden Bank

• Banking
• 1 - 100 Employee

• General Counsel, Corporate Secretary & Director of Compliance

  • Aug 1999 - Apr 2015

  Springfield, Massachusetts Area • Advised the Bank and its publically traded Holding Company on regulations including the SEC, FDIC, MA Division of Banks and the Federal Reserve as well as draft and review various legal documents including contracts and disclosures, and coordinate the real, personal, and intellectual property interests of the entities. • Advised the Bank concerning the legal implications of proposed policies and counsel the entities on compliance with laws. • Created and responsible for Bank’s… Show more • Advised the Bank and its publically traded Holding Company on regulations including the SEC, FDIC, MA Division of Banks and the Federal Reserve as well as draft and review various legal documents including contracts and disclosures, and coordinate the real, personal, and intellectual property interests of the entities. • Advised the Bank concerning the legal implications of proposed policies and counsel the entities on compliance with laws. • Created and responsible for Bank’s compliance management program with continuous improvement in audits, examinations and effectiveness year after year. • Coordinated activities and use of outside counsel. •Key member of management team in the formation of mutual holding company (2004) and Initial Public Offering of Hampden Bancorp, Inc. (2006-2007). • Oversaw the Security and Compliance departments including staff, annual budgets, risk assessments and performance of department. • Direct report to the Audit Committee of Board and the CEO. Attend all meetings, involved in the preparation of agendas, train and make presentations to and advise the Board of Directors, Audit Committee, Board of Investment, Governance and Nominating Committee, Compensation Committee, Asset/Liability Committee and CRA Committee. • Served as liaison and primary contact for regulators during all bank examinations. • Develop policy and procedure for various departments and work on product development. • Serve as Bank Secrecy Officer and oversee bank’s BSA/AML/OFAC program and annual risk assessments. • Annually develop a risk based internal audit program and manage its implementation with outside firms as the Bank’s Chief Internal Audit Executive. • Served as a member of the Bank’s Community Reinvestment Committee. Work on CRA committee led to bank’s first “outstanding” rating in its history (2005) and continued "outstanding" ratings in subsequent examinations. • Trained the Board of Directors, management and staff on legal/regulatory issues. Show less



Center For Financial Training

• Instructor

  • Jan 2001 - Dec 2003

  Norwalk, CT Taught college level courses on Banking Law. Course taught included: Law and Banking: Applications where topics Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors' Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce. Law and Banking: Principals where topics included Introduction to Law and… Show more Taught college level courses on Banking Law. Course taught included: Law and Banking: Applications where topics Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors' Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce. Law and Banking: Principals where topics included Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property. . Show less



Doherty, Wallace, Pillsbury & Murphy, P.C.

• Intern

  • Jun 1997 - Aug 1997