Enterprise Compliance Transformation Executive

Alison Stokes,

CRCM

Compliance Testing & Assurance Modernization Enterprise CMS Architecture Regulatory Exams & Supervisory Remediation AI-Enabled Compliance Transformation Fair Lending & Consumer Protection Marketing & Customer Communications Governance

Compliance executive engaged to stabilize fragmented control environments, strengthen enterprise governance, and build operating models that withstand regulatory scrutiny.

My work spans compliance testing, CMS architecture, regulatory exams, fair lending and consumer protection, marketing and customer communications governance, AI-enabled compliance transformation, and executive reporting across banking, fintech, credit reporting, and digital financial services environments.

CRCM Certified First & Second-Line Leadership CFPB · OCC · FDIC · FRB AI & Compliance Modernization

Executive Biography View Career

Who I Am

Compliance leadership forged in complex institutions.

For more than 20 years, Alison Stokes has led compliance functions during periods of regulatory change, operational strain, and enterprise modernization. Across JPMorgan Chase, U.S. Bank/MUFG Union Bank, and Experian, the engagement has been consistent: assess where governance is fragile, close regulatory exposure, and design operating models that hold under sustained scrutiny.

She has led first-line and second-line functions, partnered directly with federal and state regulators, and built enterprise programs spanning compliance testing, fair lending, consumer protection, complaint governance, marketing compliance, customer communications governance, policy management, technology oversight, and board-level reporting.

Alison helps organizations strengthen compliance operating models across testing, exams, policies, procedures, training, reporting, marketing governance, customer communications, and AI-enabled compliance transformation.

35+

Federal & State Regulatory Exams, Audits & Supervisory Reviews Directed

$90B+

Consumer Lending Activity Supported Through Compliance Governance

Compliance Professionals Led Across North America & Costa Rica

20+

Years Building Enterprise Compliance Modernization Architecture

What I Do

Areas of deep expertise

Eight functional domains built across the nation's largest banks, a global data analytics firm, and complex fintech environments — including marketing compliance governance, AI-enabled transformation, and enterprise CMS architecture, each requiring executive-level compliance leadership under sustained regulatory scrutiny.

🔬

Compliance Testing & Assurance Modernization

Architecting sustainable testing programs, QA disciplines, script governance, issue tracking, performance management, and future-state automation under regulator-facing conditions.

🔍

Regulatory Exams, MRAs & Supervisory Remediation

Direct leadership of CFPB, OCC, FDIC, FRB, and state examinations, including inherited finding remediation, MRA closure, regulator communication strategy, and evidence governance.

🤖

AI-Enabled Compliance Transformation

Designing practical use cases for AI, workflow automation, Archer optimization, automated documentation, and scalable regulatory control monitoring across complex compliance environments.

📣

Marketing Compliance & Customer Communications Governance

Governance for customer-facing campaigns, disclosures, product messaging, high-risk terms, digital content, and approval workflows. Aligns Marketing, Product, Legal, Compliance, and Operations so communications are clear, support growth, and withstand regulatory scrutiny.

🔗

Fintech, BaaS & Financial Crimes Oversight

Second-line advisory and governance support for embedded finance, fintech partnerships, BSA/AML controls, third-party oversight, and consumer protection alignment across digital financial services.

🏛️

Enterprise CMS Architecture

Designing scalable compliance management systems inclusive of procedures, governance committees, controls, inventory management, issue escalation, and board reporting.

⚖️

Fair Lending & Consumer Protection

Deep expertise across ECOA, Reg B, FHA, HMDA, FCRA, UDAAP, CRA, marketing reviews, complaints, and disparate impact monitoring across the full lending lifecycle.

📊

Reporting, Analytics & Executive Risk Intelligence

Building executive dashboards, committee reporting, KPI/KRI frameworks, Power BI visibility, and data-driven compliance insights that support board and leadership decision-making.

Compliance Leadership Discipline

Marketing as a compliance frontier.

Marketing is often where business strategy, customer expectations, product risk, and regulatory exposure meet. Alison's experience includes building governance routines for customer-facing communications, campaign review, disclosure alignment, high-risk terms, digital content, and approval workflows across regulated financial services environments.

Her approach is practical: help teams move faster without weakening controls. That means clear standards, documented decisions, consistent review paths, and stronger partnership between Marketing, Product, Legal, Compliance, and Operations.

The result is a communications environment that supports growth, protects consumers, and holds up when regulators ask how a campaign got approved.

Executive Inquiries

Campaign & Content Review

Structured review of customer-facing campaigns, digital content, social media, email, and advertising for regulatory compliance, disclosure accuracy, and UDAAP risk.

Disclosures & High-Risk Terms

Governance frameworks for required disclosures, high-risk language, product messaging, rate and fee representations, and comparative claims.

Approval Workflows & Decision Records

Documented review and approval paths that create defensible records, accountability trails, and exam-ready evidence for regulators and auditors.

Cross-Functional Governance Alignment

Practical coordination between Marketing, Product, Legal, Compliance, and Operations — reducing friction, accelerating review, and maintaining consistent standards.

UDAAP & Consumer Protection Controls

Integrating consumer protection standards into communications governance, including UDAAP risk identification, reputational risk review, and mitigation documentation.

Compliance Depth

Fair Lending, Consumer Protection & Customer Access

Fair lending is not limited to underwriting. It shows up across the full customer journey, including marketing, product design, pricing, disclosures, servicing, complaints, monitoring, and remediation.

Alison brings deep experience helping organizations identify and manage fair lending and consumer protection risk across banking, consumer lending, fintech, credit reporting, and digital financial services environments.

Her approach connects regulatory expectations to practical operating routines: risk assessments, control design, complaint analytics, monitoring, testing, governance reporting, and exam-ready documentation.

Regulatory Framework

ECOA · Reg B · FHA · HMDA · FCRA · UDAAP · CRA · Disparate Impact Standards

Governance Disciplines

Risk assessments · Control design · Complaint analytics · Marketing review · Disparate impact monitoring · HMDA integrity · Regulator-facing readiness

Environments

Large bank mortgage · Consumer lending · Credit cards · Small business · Fintech · Credit reporting · BaaS · Digital financial services

Fair Lending Governance Across the Customer Journey

Market & Offer

Advertising, targeting, product eligibility, and access governance

Disclose & Communicate

Disclosures, terms, high-risk language, and communications review

Decision & Price

Underwriting, pricing, denials, exceptions, and disparate impact monitoring

Service & Support

Servicing consistency, complaint governance, and customer treatment controls

Monitor & Test

Ongoing monitoring, periodic testing, HMDA review, and compliance assurance

Report & Remediate

Executive reporting, governance escalation, MRA responses, and remediation tracking

Marketing, customer communications, fair lending, UDAAP, product governance, and compliance controls are connected disciplines within a mature compliance operating model. A campaign that misrepresents terms creates fair lending risk. A disclosure that obscures costs creates UDAAP exposure. Alison's governance approach treats these as a unified operating challenge, not separate compliance boxes.

Career

Three institutional chapters. One consistent leadership pattern.

Entering complex regulatory environments, identifying where compliance infrastructure is fragile, and building the governance and operating models necessary to restore confidence — across some of the nation's most scrutinized financial institutions.

Director, Compliance Operations — North America

Experian · Remote

Recruited to build and mature North American Compliance Operations amid heightened audit scrutiny, inherited control fragmentation, and growing executive demand for scalable compliance infrastructure, with executive oversight spanning compliance risk assessments, monitoring and testing, regulatory examinations, complaints governance, reporting, training, policy management, issue remediation, and compliance technology modernization across a $30B+ consumer asset portfolio and 20+ partner programs.

Served as second-line owner for FCRA and consumer data protection compliance, partnering extensively with Product, Legal, Analytics, and business leaders to translate regulatory expectations into scalable controls across data-enabled financial services.

Led Project Odyssey, a multi-workstream compliance modernization initiative designed to remediate inherited governance gaps, rebuild testing discipline, modernize Archer workflow execution, elevate executive reporting, strengthen issue accountability, and establish an AI-enabled future-state operating framework for North American Compliance Assurance.

Senior Vice President, Business Compliance Executive

MUFG Union Bank / U.S. Bank · San Diego, CA

Served as principal first-line regulatory advisor across large-scale consumer lending operations over a 13-year tenure, providing strategic leadership across fair lending governance, product and technology compliance review, policy and procedure design, issue management, complaint oversight, marketing review, capital markets advisory support, and regulator-facing examination readiness.

Directed Risk and Control Self-Assessments, enterprise mitigation planning, control design, and executive governance reporting across mortgage, credit card, consumer loan, and small business lending channels supporting more than $90B+ in regulated lending activity.

Recognized as the business-aligned compliance executive trusted to translate regulatory expectations into practical, scalable operational controls while serving as direct liaison during CFPB, OCC, FDIC, FRB, and Internal Audit reviews.

Senior Compliance Officer

JPMorgan Chase · San Diego, CA

Second-line compliance partner for residential lending and credit card business lines. Fair lending oversight, control design, CRA program governance, and regulatory advisory across consumer products. Foundational grounding in consumer banking regulation and enterprise compliance methodology.

Operational Foundation

Washington Mutual Bank · TREO Funding · Bank of America

Hands-on experience across the full mortgage lifecycle — origination, underwriting, funding, and servicing — providing the operational foundation for every compliance leadership role that followed.

Executive Inquiries

Signature Work

Enterprise transformations

Three representative engagements where compliance infrastructure, governance discipline, and regulatory readiness required material rebuilding.

Experian

Project Odyssey & North America Compliance Operations Maturity

Designed the future-state compliance operations model across testing governance, regulatory exam management, complaints oversight, reporting, Archer workflow integration, issue remediation, staffing, and AI-enabled modernization under supervisory pressure.

MUFG Union Bank

Fair Lending Program Stabilization

Strengthened first-line consumer lending compliance governance across large mortgage and retail portfolios through disparate impact monitoring, HMDA integrity, ECOA/Reg B controls, complaint analytics, and regulator-facing readiness across a sustained 13-year engagement.

Enterprise-Wide

Compliance Reporting & CMS Maturity

Built executive reporting dashboards, policy and procedure ecosystems, issue management governance, KPI/KRI structures, and board-facing visibility models that increased leadership transparency and regulatory confidence across multiple regulated institutions.

Executive Validation

Third-party confirmation of what the record shows

From senior leaders who observed the work directly.

OCC Fair Lending Examination Outcome

The OCC stated that we did not treat Hispanics differently and met FHA requirements. Our processes are consistent and they did not see variances in our processing. Thank you for all of your efforts and dedication, as well as your amazing partnership.

Diana C.

Regulatory Business Control Group Manager

Regulatory Rigor & Operational Leadership

Your thorough approach, grounded in actual regulatory citations, is a model for how to deal with many such issues. This is the sort of work that elevates the company and allows all parties to focus on real risks rather than creating self-inflicted spirals.

Michael H.

Head of Retail Lending Operations

First-Line Analytical Independence & Compliance Depth

In my 25+ years of working with Compliance professionals, Alison stands above them all. She does not lean on the second-line compliance team to do her job. Instead, she conducts her own analysis of each regulatory question, drafts a summary, and provides it to second-line when their concurrence is needed. Anyone who hires her will be extremely grateful they did.

Heather Brieske, CRCM

VP, Sr. Risk & Compliance Manager

Beyond the Brief

The full picture of who I am

Executive Mentor

For 20+ years I have mentored small business owners and emerging professionals through MicroMentor and the African American Board Leadership Institute. Giving back is not separate from my professional identity — it is part of it.

Entrepreneur & AI Builder

I am developing two consumer-facing web applications and applying AI tools practically across compliance automation, reporting, and business operations. Building products has sharpened my understanding of what it takes to bring ideas to market responsibly.

Real Estate Investor

I actively invest in real estate, which reinforces the same discipline that defines my compliance work: understanding risk, reading regulatory signals, and making decisions with long-term consequence in mind.