Professional Profile
What I Do Best:
Not Where I've Been
15+ years of hands-on leadership in financial services compliance, risk, and operations. Built across complex regulatory environments, growth-stage fintechs, and enterprise-scale programs. What follows is the depth: the frameworks built, the examinations navigated, and the outcomes delivered.
Five Domains.
One Integrated Perspective.

Click any domain to explore the depth of experience, key capabilities, and real-world impact within that area.

Compliance & Risk Management
Enterprise CMS · Bank partner oversight · Regulatory risk frameworks · Exam readiness

Capabilities

  • Building compliance management systems from zero
  • Regulatory risk frameworks and assessments
  • Bank partner compliance oversight & reporting
  • Regulatory exam preparation and management
  • Compliance issues management & remediation
  • Training programs and compliance culture development

Regulatory Areas

  • CMS design and enterprise deployment
  • TPRM program development
  • ERM framework implementation
  • Regulatory change management processes
  • Compliance testing and monitoring programs
  • Consumer protection (UDAAP, FCRA, ECOA)

Built a compliance management system from the ground up that successfully passed the company's inaugural bank partner regulatory examination, with no prior compliance infrastructure in place.

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Fraud & Financial Crime
BSA/AML/OFAC · KYC/CIP · Fraud risk programs · Financial crime frameworks

Capabilities

  • BSA/AML program design and implementation
  • OFAC compliance and sanctions screening
  • KYC/CIP policy and procedure development
  • Fraud risk management program builds
  • ID theft and red flags program management
  • Fraud event triage and escalation frameworks

Program Elements

  • Transaction monitoring design
  • SAR/CTR filing processes
  • Enhanced due diligence frameworks
  • Chargeback and dispute management
  • Fraud loss analysis and reporting
  • Cross-functional fraud operations teams

Designed and implemented a fraud risk management program covering multiple payment rails and transaction types, including ACH, card, and digital, resulting in measurable reduction in fraud losses.

Operations & Scale
CX & support teams · Operational transformation · Process design · Product operationalization

Capabilities

  • Building and scaling CX/support operations
  • Operational transformation and right-sizing
  • Service delivery model design
  • Operationalizing new fintech product lines
  • Vendor and third-party operations management
  • Escalation and exception handling frameworks

Outcomes Delivered

  • CX team scaling from startup to enterprise
  • Quality and efficiency metric improvements
  • Process automation and workflow design
  • Cross-functional team alignment
  • Operational governance and oversight
  • Regulatory-compliant service operations

Led an operational transformation of a customer experience team, restructuring headcount, implementing quality frameworks, and rebuilding service delivery models to support rapid product growth while maintaining regulatory standards.

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Policy & Framework Builds
Compliance policies · Procedures · Program frameworks · From zero to audit-ready

Capabilities

  • End-to-end compliance policy authorship
  • Procedures and operational playbooks
  • Consumer protection policy suites
  • Privacy and data governance frameworks
  • Marketing compliance review processes
  • Code of ethics and whistleblower programs

Policy Areas Authored

  • BSA/AML/OFAC · KYC · Fraud Risk
  • FCRA · ECOA · UDAAP · TPRM
  • Reg E · Reg Z · Reg CC · Reg DD
  • Privacy · E-SIGN · MLA/SCRA · ADA
  • Complaint Management · Reg Change Mgmt
  • Record Retention · InfoSec · AI Policy

Built a complete compliance policy library of 40+ policies and procedures covering the full spectrum of consumer and commercial financial services regulation, designed to satisfy bank partner requirements and regulatory scrutiny.

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Regulatory Strategy & Product Launches
Fintech product strategy · Regulatory readiness · Bank partnership · Launch compliance

Capabilities

  • Regulatory strategy for new product launches
  • Bank partner readiness and compliance oversight
  • Fintech-bank partnership compliance frameworks
  • Cross-functional regulatory navigation
  • Regulatory change impact analysis
  • Board and executive-level compliance reporting

Experience Spans

  • Fintech marketplace launches
  • Payments and ACH product compliance
  • Credit product regulatory frameworks
  • Banking-as-a-Service model compliance
  • Consumer lending regulatory strategy
  • Regulatory exam management and prep

Guided multiple fintech product launches through complex regulatory environments, translating consumer and commercial protection requirements into practical product design constraints, compliance checkpoints, and ongoing monitoring programs.

Impact Without Namedrops

Real outcomes from real work, anonymized because the impact speaks louder than the logo.

Compliance Leadership
Built a CMS that passed the first regulatory exam
Designed and implemented an enterprise compliance management system from scratch at a growth-stage fintech. The program was assessed by regulators during the company's inaugural bank partner examination with no deficiencies cited.
Outcome: Clean first-time regulatory exam · Bank partnership secured
Fraud & Financial Crime
Fraud risk program covering three payment rails, built in under a year
Designed a fraud risk management program spanning ACH, card, and digital payment types. Built detection logic, triage workflows, dispute handling, and loss reporting from the ground up, in coordination with bank partners and regulators.
Outcome: Measurable fraud loss reduction · Program passed partner audit
Operations & Scale
Scaled a CX operation from 5 to 20+ without losing quality or compliance
Led a rapid CX/support team build-out during a high-growth period. Redesigned service delivery models, implemented quality scoring, and maintained regulatory complaint-handling standards as volume grew 10x.
Outcome: Complaint rate held · SLA consistency maintained at scale
Policy & Frameworks
40+ policies authored: consumer protection, payments, privacy, and more
Authored a complete compliance policy library covering the full regulatory landscape of consumer and commercial fintech, including BSA/AML, FCRA, UDAAP, ECOA, Reg E, Reg Z, NACHA, and AI privacy. Each policy written to meet bank partner and regulatory standards.
Outcome: Policy library adopted by bank partners · Passed third-party audit
Regulatory Strategy
Guided three product launches through novel regulatory territory
Led the regulatory strategy for multiple fintech product launches, translating ambiguous regulatory requirements into concrete product design guardrails, compliance checkpoints, and bank partner approval deliverables.
Outcome: All three products launched on schedule · Zero regulatory holds
Operations & Scale
Operationalized a new lending product from compliance design to servicing
Built the operational backbone for a new consumer lending product, spanning compliance-informed product design through account servicing, adverse action, and dispute handling, in partnership with the product and engineering teams.
Outcome: Product launched on time and in accordance with bank partner requirements · First regulatory review passed
Compliance Leadership
Marketing compliance review process: 100+ campaigns, zero UDAAP findings
Designed a marketing compliance review workflow and UDAAP risk assessment process. Reviewed and approved 100+ consumer-facing campaigns and communications across digital, email, and physical channels with no regulatory findings cited.
Outcome: UDAAP-clean record across all campaigns reviewed
Risk Management
TPRM program covering 1,000+ vendors across payments and banking
Built a third-party risk management program from scratch, covering due diligence, ongoing monitoring, contract review, and bank partner reporting for a vendor portfolio spanning payment processors, core infrastructure, and consumer-facing services.
Outcome: TPRM program met bank partner exam requirements
Compliance Leadership
Managing regulatory examinations across multiple exam environments
Led preparation and management of regulatory examinations across NCUA, CFPB, FINRA, and bank-sponsor FDIC exam environments, including state-level regulatory reviews. Built examiner relationships through transparency, proactive communication, and clear product education, turning examinations into opportunities to demonstrate program maturity.
Outcome: Examinations passed with minimal findings · Previously identified findings remediated
The Full Map

Organized by domain. Covers both consumer and commercial products and services. Each area represents active working knowledge, not surface familiarity. Most have corresponding policies, frameworks, or audit-ready programs behind them.

Financial Crime & AML
BSA / AML / OFAC KYC / CIP Fraud Risk Management ID Theft Red Flags Fraud Event Triage Sanctions Screening SAR / CTR Filing
Consumer Protection
UDAAP / UDAP FCRA ECOA / Reg B / Fair Lending MLA / SCRA ADA Policy Billing Error & Disputes Collection Policy Credit Policy
Payments & Transactions
Reg E / EFTA Reg CC / Expedited Funds NACHA / ACH Payment Origination E-SIGN Billing Error & Dispute Handling
Lending & Disclosures
Reg Z / TILA Reg DD / TISA ECOA Adverse Action / Reg B Right to Financial Privacy Military Lending Act
Risk & Governance
Enterprise Risk Management (ERM) TPRM CMS Design & Implementation Complaint Management Compliance Issues Management Regulatory Compliance Risk Assessment AML BSA Sanctions Risk Assessment
Privacy, Technology & AI
Privacy Policy / Reg P AI Consumer Privacy Policy AI Terms of Service InfoSec Policy Data Governance
Operations & Compliance Program Management
Regulatory Change Management Record Retention Compliance Training Code of Ethics & Whistleblower Marketing & Advertising Compliance Compliance Testing & Monitoring
Where I've Done This Work

A career spanning fintech, banking, insurance, and healthcare, each with its own regulatory environment, compliance demands, and operational challenges.

Finfare Financial
Embedded Finance · Banking-as-a-Service · Consumer & Commercial Banking · Charge Card · Rewards · AI Services
Fancy Rewards
Fintech · Consumer Rewards · Cashback Platform
EarnIn
Fintech · Earned Wage Access · Consumer Banking
SchoolsFirst Federal Credit Union
Credit Union · Consumer Lending · Deposit Products
Aurora Behavioral Health
Healthcare · Corporate Compliance · Data & Policy Governance
MetLife Investors
Insurance · Annuities · Life Insurance
Comerica Bank
Commercial Banking · Consumer Banking · BSA/AML
Washington Mutual Bank
Consumer Banking · Mortgage · Retail Banking