Experience

Guideline

• United States
• Business Consulting and Services
• 1 - 100 Employee

• Principal

  • 2021 - Present

  Guideline serves the full-spectrum of Fintech and financial services companies in the US and Europe and can scale our experts to large or small projects. Guideline offers traditional strategic consulting on regulatory issues and challenges as well as staff augmentation. We also offer "Guided Solutions" – a combination of Consulting + Staff Augmentation to help clients tackle complex projects. We help clients launch new products or services, design or redesign compliance programs or processes, and can fill almost any staff augmentation needs to fill short-term or long-term gaps. Recent engagements include: • Led an Independent Settlement Administrator project for a settlement between the CFPB and a major point-of-sale lender involving a lookback at 43,000 consumers and distribution of over $30 million in redress. • Developed consumer compliance risk assessments using several GRC tools. • Served as interim CCO for a national mortgage lender; developed response plan for significant enforcement and supervisory actions; recruited permanent Compliance Officer. Show less



Compliance Advisory Services

• Senior Advisor

  • 2019 - 2020

  Providing C-level advisory services to financial institutions to enhance risk management programs with improved execution today while designing for sustained, future effectiveness. Providing C-level advisory services to financial institutions to enhance risk management programs with improved execution today while designing for sustained, future effectiveness.



Bank OZK

• Little Rock, AR / Dallas, TX / Atlanta, GA / Tampa-St Petersburg, FL

• Chief Compliance Officer

  • Jun 2017 - Nov 2019

  Recruited to restructure and expand a single-dimensional bank compliance function to create a scalable, best-in- class compliance management system designed to support significant growth. Completed the implementation of all program enhancements in less than 18 months, resolved all program deficiencies and received positive validation of program effectiveness from supervisory agencies (FDIC and CFPB). Upgraded compliance talent through professional development and aggressive recruiting to shift the compliance operating model from passive reactiveness to forward-deployed, value-added partnerships. Automated manual processes to gain significant efficiencies and interoperability by redesigning and expanding the use of the enterprise GRC platform. Show less



BMO

• Canada
• Financial Services
• 700 & Above Employee

• Head of Compliance, US Personal and Commercial PO BMO Harris Bank

  • Jul 2016 - Jun 2017

  Provided oversight and coordination of remediation plans to resolve significant supervisory agency concerns. Led a team of 30 Business Unit Compliance Officers supporting domestic retail and commercial lending and deposit operations. Led the design and implementation of significant compliance program enhancements. Provided oversight and coordination of remediation plans to resolve significant supervisory agency concerns. Led a team of 30 Business Unit Compliance Officers supporting domestic retail and commercial lending and deposit operations. Led the design and implementation of significant compliance program enhancements.



CIT

• United States
• Financial Services
• 700 & Above Employee

• Chief Compliance Officer CIT Bank, N.A./ Global Chief Privacy Officer CIT Group, Inc.

  • Mar 2013 - Mar 2016

  Expanded the compliance and privacy programs supporting both domestic and international operations to prepare for organic and acquisitive growth. Led the remediation plans to resolve significant regulatory concerns. Executive sponsor for acquisition integration work streams associated with consumer protection and financial crimes compliance risk management programs (before and during OneWest purchase). Expanded the compliance and privacy programs supporting both domestic and international operations to prepare for organic and acquisitive growth. Led the remediation plans to resolve significant regulatory concerns. Executive sponsor for acquisition integration work streams associated with consumer protection and financial crimes compliance risk management programs (before and during OneWest purchase).



American Express

• United States
• Financial Services
• 700 & Above Employee

• Director Compliance Program Management / Regulatory Relations

  • 2006 - 2013

  Directed the enhancement of compliance program elements for two wholly owned, bank subsidiary legal entities (responsible for issuing all consumer and small business lending and deposit products for the American Express brand in the United States). Managed the ongoing, compliance-related interactions of the Banks with federal and state regulatory agencies. Directed the enhancement of compliance program elements for two wholly owned, bank subsidiary legal entities (responsible for issuing all consumer and small business lending and deposit products for the American Express brand in the United States). Managed the ongoing, compliance-related interactions of the Banks with federal and state regulatory agencies.



Various

• Earlier Career Roles

  • May 1992 - Mar 2006

  Earlier career roles of increasing responsibility and scope in compliance, operational and financial risk management; corporate operations; internal audit and consulting in financial services, manufacturing and high tech industries. Earlier career roles of increasing responsibility and scope in compliance, operational and financial risk management; corporate operations; internal audit and consulting in financial services, manufacturing and high tech industries.