• Directed enterprise‑level quality control operations for diverse commercial lending products, including Commercial Loans, CRE, Credit Cards, Daylight Overdrafts, SBLCs, ILOCs, Import/Export Credit lines. • Utilized LYNX and HELIOS to review and validate high‑value transactions, ensuring 99%+ compliance accuracy. Developed QC protocols that reduced exceptions by 20%, strengthening audit readiness. • Partnered cross‑functionally to resolve high‑risk discrepancies before escalation. • Trained and collaborated with QC analysts using experience and as Trade & Treasury Solutions SME.

o Led the creation and scaling of RMCC division, enhancing compliance programs for credit unions in 7 states, improving adherence and efficiency by 50%. o Directed multimillion-dollar budgets, aligning resources with growth goals, and delivered consulting to 100+ institutions annually, managing complex regulatory risks, promoting a compliance culture with staff and senior management. o Designed and priced compliance products, increasing growth by 300% over 3 years, expanding staff from 1 to 7 professionals, generating new revenue streams. o People management - hiring, training, coaching, mentoring, and performance evaluation. o Compliance/Risk Management SME/federal and state regulatory advocate for regional trade association. o SME and professional speaker/trainer on Federal Reserve Regulations (including BSA/AML/OFAC), Mortgage Lending: HUD/HMDA/TRID/FDPA/NMLS Regulations, CFPB Regulations, Ethics, and Electronic Payment System (NACHA) for financial industry and federal/state regulators.

• Director – Management School & Compliance Programs - 2001 - 2006 o Managed curriculum and faculty for a 100+ student industry-accredited annual program. o Delivered compliance, leadership training aligned with evolving regulations. • Director/Regulatory Specialist – Information Central, Advocacy - 1999 - 2001 o Co‑developed compliance guidance addressing emerging issues. o Authored technical briefs and templates to improve institutional readiness. • Lobbyist / Legislative Analyst – Legislative & Governmental Relations - 1996 - 1999 o Represented credit union interests at state, federal levels; Collaborated in passing 2 major articles of legislation. o Researched/reviewed laws and legislative issues, writing op-ed pieces for industry officials, legislators/staff.

FDIC, Financial Analyst / Credit Review – Third Party Servicer Oversight OTS (Office of Thrift Supervisions, Financial/Policy Analyst / Credit Review – Troubled Institution Oversight Federal Reserve Bank of Dallas, Consumer Affairs (Compliance) Examiner

Credit Union Compliance Expert (CUCE)

Credit Union National Association

2001

Bank Secrecy Act Compliance Specialist (BSACS)*

Credit Union National Association

2007

Credit Union Enterprise Risk Management Expert (CUERME)

2017