Executive Summary
Career Narrative
With over twenty-five years of executive or management experience in Banking and Financial Services, I developed and implemented comprehensive Compliance and Responsible Banking Programs that included Compliance, Fair Lending and UDAAP oversight, business advisory support, consumer complaint monitoring, regulatory examination support, testing, sales practice standards & investigations, monitoring, training, and risk assessments at Wells Fargo, SunTrust Bank and USAA Federal Savings Bank.
As a Compliance Examiner, I examined, assessed, and analyzed bank compliance management systems and recommended enhancements to improve banks' compliance, fair lending, and Community Reinvestment Act (CRA) weaknesses for the Federal Deposit Insurance Corporation (F.D.I.C.).
As a Retail Bank Leader, I directed branch or regional operations, sales, and compliance for Bank of America, Washington Mutual Bank (WaMu), and PHH Mortgage Corporation increasing revenue, client satisfaction, and turning around underperforming branches and regions.
Career History Summary
- Senior Vice President / Head of Consumer Banking and UDAAP Testing
- Wells Fargo Bank
- Senior Vice President / Head of Consumer Banking Regulatory Relations
- Wells Fargo Bank
- Senior Vice President / Head of Consumer Banking Compliance
- SunTrust Bank
- Director of Compliance & Responsible Banking Officer
- USAA Federal Savings Bank
- Compliance Examiner
- Federal Deposit Insurance Corporation (FDIC)
For more detailed information about my career history, please download my complete resume below.
About Me
Program Development & Implementation
- Compliance Management Systems
- Regulatory Relations & Strategy
- Fair & Responsible Banking
- Fair Lending
- UDAAP
- Complaints
- Sales Practices
- Ethics
- Consumer Complaint Handling & Reporting
- Marketing Oversight & Reviews
- Independent Reviews/Audits
- Risk, Controls, Self-Assessment (RCSA)
- Enterprise Testing
- Investigations
- Employee dishonesty
- Gamification
- Sales Practices
- Conflict of Interest
- Ethics
Areas of Responsibility
- Branch Banking
- Premier Banking
- Client Contact/Call Center
- Sales Practices
- Fraud Operations
- Marketing
- Digital
- Product Management/Development
- Deposit Operations
- Internal Investigations
- Ethics
- Fair Lending & Banking
- Independent Testing
Subject Matter Expert (SME)
- Unfair, Deceptive, and Abusive Acts and/or Practices (UDAAP)
- Deposit Regulations
- Expedited Funds Availability (Reg. CC)
- Electronic Funds Transfer (Reg. E)
- Truth in Savings (Reg. DD)
- Lending Regulations
- Truth in Lending (Reg. Z)
- Origination
- Billing Errors & Claims/Defenses
- Real Estate Settlement Procedures Act (RESPA)
- Equal Credit Opportunity (Reg. B)
- Fair Housing Act (FHA)
- Home Mortgage Disclosure Act (HMDA)
- Truth in Lending (Reg. Z)
- Non-Product Specific Bank Regulations and Laws
- Fair Credit Reporting (Reg. V)
- Fair Debt Collection Practices
- Community Reinvestment Act (CRA)
- Telephone Consumer Protection Act (TCPA)
- Americans with Disabilities Act (ADA)
Bar Admissions / Certifications / Education
- Bar Admissions
- Florida
- North Carolina
- South Carolina
- United States District Court for the Southern District of Florida
- Certifications
- Certified Regulatory Compliance Manager (CRCM)
- Education
- Florida State University, Bachelor of Science
- Business Management
- Nova Southeastern University, Master of Business Administration (MBA)
- Business Administration / Management
- Nova Southeastern University, Juris Doctorate
- Law
- Florida State University, Bachelor of Science