Helping Executive Leadership Strengthen, Transform, and Sustain More Resilient Organizations

Recruited following enterprise audit findings to build and transform North America Compliance Operations, with second-line accountability across compliance testing, regulatory examinations, policy and procedure governance, complaints oversight, executive reporting, training governance, annual risk assessment programs, remediation, and compliance technology. Led regulatory change and governance activity across North America while supporting multinational governance initiatives across Europe and Asia, advancing AI-enabled compliance and operational resilience through partnership with Legal, Product, Technology, and business teams to evaluate new and evolving requirements, assess applicability and impact, establish accountable ownership, and track open items to closure. Directed Project Odyssey, a multi-workstream modernization initiative that rebuilt testing discipline, modernized workflow execution, and elevated executive reporting through Power BI and RSA Archer-enabled dashboards. Directed enterprise licensing governance across multiple regulated legal entities, and led 18 compliance professionals, including seven direct reports. This included compliance oversight across partner-delivered savings/deposit, debit-card, credit-card, and lending products, working directly with bank and third-party partners to support consumer protection, dispute handling, service-level execution, and control oversight within complex digital financial-services models.

Led third-party compliance governance for vendors using Experian data, overseeing regulatory compliance across policies and procedures, regulatory and state-law change, annual compliance training completion and acceptable passing rates, complaints, disputes, disclosures, and other consumer-facing requirements. Through my team, identified compliance gaps, communicated regulatory expectations, and monitored vendor execution to help ensure ongoing adherence to applicable requirements.

Created and directed the regulatory change management program for consumer and small-business lending, translating new and evolving regulatory requirements into practical business requirements across mortgage, home equity, credit cards, unsecured lending, and small-business lending. Directed regulatory interpretation, applicability and impact assessments, and cross-functional implementation with Legal, Product, Marketing, Technology, and Operations, including product and technology compliance, policy design, issue management, and marketing review. Partnered with Capital Markets on pricing oversight, testing products and pricing exceptions for fairness and regulatory risk and providing credible challenge where concerns arose, alongside fair lending governance, SAFE Act/NMLS Mortgage Loan Originator governance, and regulator-facing examination readiness. Supported enterprise initiatives involving European and Asian regulatory frameworks, partnering across global business functions on cross-border compliance and governance. Also provided monitoring, testing, and regulatory oversight of deposit and electronic-payment activities, including Reg E, Reg DD, and ACH, addressing disputes, error resolution, and consumer remediation, and extending third-party oversight to payment and merchant-processing partners such as Elavon.

Directed third-party regulatory compliance oversight across a broad lending ecosystem, including wholesale mortgage brokers, loan origination system providers, documentation and disclosure vendors, title and escrow companies, record-retention repositories, and compliance testing software providers. Oversight included regulatory controls, licensing and NMLS requirements where applicable, policies and procedures, compliance testing, complaints, disclosure accuracy and timeliness, regulatory-change communication, and training.

Provided executive governance, financial stewardship, and fiduciary oversight as Chief Financial Officer and Treasurer for a nonprofit organization dedicated to advancing bioethics through education, research, and public engagement.

Served as compliance officer for CRA Emerging Markets lending offices, including a joint-venture program operating across Oakland, Los Angeles, Dallas, Chicago, Harlem, Atlanta, and Hialeah, providing regulatory leadership, fair lending and CRA oversight, risk assessment, control guidance, and compliance support for products, marketing, and business initiatives.

Foundational leadership in mortgage loan operations across origination, underwriting, funding, and servicing, providing the operational grounding for every compliance and risk leadership role that followed.

Residential lending operations management supporting the full mortgage lifecycle.

Maintains an independent advisory practice providing selective guidance on enterprise risk, governance, compliance, regulatory strategy, and program transformation. Engagements are undertaken periodically and may continue alongside an executive leadership role, subject to applicable employer approval and conflict-of-interest requirements.