Experience

Mulligan Funding, LLC

• United States
• Financial Services
• 100 - 200 Employee

• Director Of Compliance

  • Feb 2019 - Present

  B2B lender. • Lead bank partnership onboarding due diligence initiative • Implemented the compliance management system framework, including interdependent functions of the CMS, e.i., complaints, third-party vendor management, issue management • Developed and launched the compliance management program – BSA/AML, UDAP, ECOA, FCRA, E-SIGN, RTFP, Privacy, CAN-SPAM, BCP • Manage executive and board reporting oversight B2B lender. • Lead bank partnership onboarding due diligence initiative • Implemented the compliance management system framework, including interdependent functions of the CMS, e.i., complaints, third-party vendor management, issue management • Developed and launched the compliance management program – BSA/AML, UDAP, ECOA, FCRA, E-SIGN, RTFP, Privacy, CAN-SPAM, BCP • Manage executive and board reporting oversight



Fintech

• United States
• Financial Services
• 400 - 500 Employee

• Director Of Compliance

  • Jun 2019 - Jan 2020

  POS fintech lender works with small businesses and contractors to leverage lending opportunities, buy now and pay later. • Lead bank partnership onboarding due diligence initiative • Implemented the compliance management system framework including but not limited to complaints, third-party vendor management, issue management • Developed and launched the compliance management program – BSA/AML, TILA, UDAAP, ECOA, FCRA, EFTA, E-SIGN, GLBA-Privacy, FDCPA, TCPA, CAN-SPAM, BCP • Managed reporting oversight Show less



Confidential Startup

• Brazil
• Technology, Information and Internet

• Head Of Compliance

  • Nov 2017 - Nov 2018

  Successfully built the Compliance Management System and relevant procedural standards required in a heavily regulated consumer lending environment – UDAAP, FCRA, FDCPA, TILA, TCPA, GLBA – Privacy/Safeguards, EFTA, SCRA, MLA, Fair Lending, OFAC, BSA, AML. Additional initiatives while also working well in a high-pressure team setting: • Project Management – oversee end-to-end process with bank onboarding. • Vendor Risk Management – responsible for all facets of newly acquired service providers. • Cross-functional Coordination – work across internal department to ensure all business units comply with all regulatory requirements. Show less



LendUp

• United States
• Financial Services
• 1 - 100 Employee

• Business Unit Compliance Officer, CRCM

  • Jan 2016 - Nov 2017

  A dynamic growing startup that is focused on offering loans with declining rates, free education and the opportunity to build credit. All driven toward those who are climbing the ladder to financial health. Check it out....www.LendUp.com - spread the word.

• Compliance Manager

  • Mar 2015 - Jan 2016



M Squared Consulting

• United States
• Business Consulting and Services
• 100 - 200 Employee

• Senior Consultant

  • Dec 2014 - Jul 2015



The Police Credit Union

• United States
• Financial Services
• 1 - 100 Employee

• SVP, Financial Services

  • Apr 2007 - May 2014

  Operational Management:Lead full operational performance of 6 branches and call center.Spearhead a complete revamp of procedural guidelines, garnering top tier examiner ratings for all business units under Financial Services.Lead cross-functional teams to achieve aggressive business goals related to service levels, boosting Net Promoter Score from 85% to 91% with substantial incentive payouts for staff organization-wide. Extensive experience in change management i.e. preparing for change, managing change and reinforcing change applying these practices in multiple initiatives throughout career.Staff Development:Performed quality staff recruitment, upholding diversity and turnover of less than 12%.Mentored and coached employees resulting in a 12% increase in productivity and exceeded KPI projections.Promoted 5 internal professionals to management or VP level by executing a career path program. This directly attributed to 45% of the administration internal workforce.Lead cross-functional teams to achieve organizational budgetary expectations consistently over a 6-year period.Continued focus on coaching and mentoring human capital alignment with strategic goals and expectations. Pioneered a cultural and organizational change by launching a 360 Degree Assessment.Risk Management:Champion the design and implementation of a consolidated financial crime detection and compliance automation solution.Designed and managed the deployment of training related to BSA, OFAC, Reg. CC, BSA, Reg. Z, TIL, Reg. E, HMDA, TIS and advertisements pertaining to campaign pieces.Sales Management:Augmented sales by 37% and loan production from $51M to $87M by restructuring sales operations.Captured 35% market share with new product quickly brought to market.Bolstered sales activities by 40% by successfully managing a new acquisition and maintaining healthy organic loan growth of 9.5% to 11.5%. Show less

• VP of Lending, BSA Officer

  • Jun 2001 - Apr 2007

  Directly responsible for the operations and strategic planning of all lending activities including mortgage lending, first and second D/Ts; consumer lending, DMV processing and perfecting collateral, including secured, unsecured and credit cards. Heighten emphasis on an environment that is staff and member centric approach deepening relationships. Results driven and ensuring strategic objectives are exceeded. Responsible for developing, implementing and administering all aspects of the BSA Compliance Program. Lead the implementation of an automated solution that brings together member data and technology to create an efficient and effective way to monitor member daily activities. Show less

• Director of Training

  • Mar 2000 - Jun 2001

  Responsible for planning, organizing, leading and supervising the training department. Development of procedural guides, functional processes, improved efficiencies through SWOT analysis. Designed and developed training and development programs based on organizational and individual needs. Assist managers in solving specific training concerns. Ensure that regulatory training programs met annual training requirements for staff and board of directors.

• Loan Supervisor

  • Jan 1998 - Mar 2000

  Oversee the production of the loan department relating to service qualities, loan production, servicing, DMV processing, lending policies and procedures. Ensure loan agreements comply with regulatory mandates, the departments activities run smoothly and within the department’s strategic plan in meeting overall strategic objectives. Direct supervisory duties of the department staff, coordinate coverage in all related areas of the department and to ensure that skill sets match the role. Responsible for hiring, in-person/phone interview process, performance development and counseling. Show less



Fidelity National Title

• United States
• Real Estate
• 700 & Above Employee

• Escrow Coordinator

  • Jan 1994 - Jan 1996



1st Federal Savings of San Rafael

• Branch Manager

  • Jan 1990 - Jan 1994