THE RECEIPTS

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LAUNCH READINESS

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FINTECH PARTNERSHIPS

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SPONSOR BANKING

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COMPLIANCE MANAGEMENT SYSTEMS

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REGULATORY STRATEGY

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PRODUCT STRATEGY

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REGULATORY EXPERTISE + OPERATIONAL EXECUTION

LENDING + CARDS

Consumer + Commercial Applicability

TILA / Regulation Z · ECOA / Regulation B Fair Lending · FCRA / Regulation V · UDAAP · MLA · SCRA · Card Network Rules · State Financial Institution + FDIC Exams

Acquisition channels · Marketing assets · Application flows · Fee presentment + limits · TILA + cost-of-credit disclosures · Adverse action methodology · Account-opening disclosures · Periodic statements · Disputes · Complaints · Account closure · Subscriptions + memberships

FINANCIAL CRIMES + SANCTIONS BASICS

Consumer + Commercial Credit Applicability

BSA / AML · OFAC · FinCEN · USA PATRIOT Act · 314(a) · 314(b) · KYC / KYB · Customer Due Diligence · Suspicious Activity Reporting · Financial Crimes Risk Assessment · Red Flags & Identity Theft

Product + partner risk · Financial crimes risk assessments · Customer identification requirements · Sanctions considerations · Suspicious activity escalation · Cross-functional compliance considerations

COMPLIANCE RISK MITIGATION + CMS

Enterprise + Product-Level CMS Design

Build the CMS you need to launch today—with an eye toward the enterprise compliance infrastructure you'll need as you scale.

Compliance Management System (CMS) Frameworks · Scalable Design · Build + Operationalization · Policies + Procedures · Risk Assessments · Control Design · Automated Controls + Systems · Monitoring + Testing · Issue Management · Remediation · Regulatory Change Management · Ongoing Maintenance + Enhancement · Exam Readiness

PRIVACY

GLBA / Regulation P · FCRA · UDAP / UDAAP · FTC Act · State Privacy Laws · Third-Party Risk Management · Regulatory Guidance + Enforcement · CAN-SPAM · TCPA

Privacy notices · Information sharing + opt-outs · Data collection + use · Marketing consent · Customer communications · Third-party data sharing · CCPA/CPRA · GDPR Basics

PAYMENTS + DEPOSITS

Credit + Deposit + Credit/Deposit Product Applicability

EFTA / Regulation E · TISA / Regulation DD · Regulation CC · UCC Articles 3 & 4 · UDAAP

Account opening · Deposit disclosures · Electronic fund transfers · ACH · Payment authorization · Error resolution · Unauthorized transactions · Funds availability · Holds · Returned payments · Recurring payments · Account restrictions + closure · Dispute Resolution · Statements

HANDS ON DESIGN + BUILD EXPERIENCE

18+ Years at the Intersection of Banking, Fintech, Compliance & Law
I've worked on both sides of the bank-fintech relationship, advising financial services companies and spending seven years inside a sponsor bank helping fintech products get built, approved, launched and scaled.
STRATEGIC PARTNERSHIPS LAUNCHED WITH WEBBANK:
BILL / Divvy · Atlanticus · Kapitus · Aqua · Libertas · Shopify · Intuit · Toast · Capital on Tap · OneMain · Oportun · Cleo · Gemini · Majority · Sezzle · BMG Money · and others
FROM INTERPRETATION TO EXECUTION
Compliance doesn't stop with regulatory interpretation. I know how to operationalize regulatory requirements into products, processes, controls and decisions that work in practice.
BANK + FINTECH PERSPECTIVE
I know what the regulations require. I know what fintechs, banks and examiners expect. And I know what the fintech has to do to deliver a compliant credit product.
EXPERIENCE AT A GLANCE
25+ Products: Consumer and commercial lending, credit cards, and other financial products and services
15+ Fintech Partnerships: From diligence and implementation through launch, ongoing oversight and remediation
JD + CRCM: Legal analysis backed by unmatched operational compliance experience