Serving as fractional CCO providing legal and regulatory advisory services for marketing compliance platform. Operating in legal-compliance hybrid capacity advising executive leadership on regulatory strategy, consumer protection compliance, and enterprise risk management across multiple industries and jurisdictions.

Founded boutique advisory firm serving fintechs on regulatory compliance, vendor management, bank partner relationships, and BSA/AML programs. Build comprehensive compliance programs from inception for fintech clients, establishing policies, procedures, and monitoring systems aligned with regulatory requirements and bank regulatory expectations Develop scalable multi-jurisdiction regulatory compliance frameworks addressing varying money transmission requirements, ensuring programs accommodate rapid growth and new product launches Advise clients on bank partnership compliance including BSA/AML due diligence, regulatory integration, and ongoing oversight requirements Own regulatory change management function monitoring federal regulatory and FinCEN guidance, state banking regulations, and MTL requirements, implementing proactive policy updates

Led legal and compliance functions for fintech startup, building enterprise compliance infrastructure from inception. Developed comprehensive international BSA/AML compliance program for digital asset platform including transaction monitoring, suspicious activity reporting, customer due diligence, and travel rule compliance for virtual asset service providers Built scalable compliance infrastructure supporting rapid product expansion while maintaining regulatory readiness for bank examinations Established AML risk assessment methodologies and customer screening protocols aligned with OFAC sanctions requirements

Rebuilt comprehensive compliance program during critical growth phase, building scalable infrastructure, and creating the vendor management program. Built scalable compliance program infrastructure supporting 10x user growth, implementing automated monitoring systems and risk-based controls Consumer Product Compliance: Advised product, engineering, sales, and operations teams on CFPB regulatory requirements for consumer-facing banking products including overdraft protection, earned wage access, and payment services, ensuring compliance with applicable regulations Policy & Procedure Development: Drafted and implemented consumer-facing policies, disclosures, and user agreements addressing CFPB regulations, FTC Act standards, and state UDAP laws

Built Built compliance program infrastructure supporting LendingClub's transition to regulated bank holding company, advising senior leadership on regulatory strategy. Built multi-state regulatory compliance programs supporting nationwide operations across 50+ jurisdictions, analyzing state banking laws and licensing requirements Advised product, operations, and business development teams on CFPB and state consumer protection requirements for digital lending products, ensuring compliance with TILA, Regulation Z, ECOA, FCRA, UDAAP, FTC Act, and state lending laws Partnered with product and engineering teams on regulatory analysis for new banking products including deposit accounts, payment services, and credit products, conducting UDAAP and FTC Act risk assessments and consumer harm analyses Third-Party Risk Management: Conducted legal and compliance due diligence for critical vendors, payment processors, and fintech partners supporting consumer-facing services

Advised commercial banking teams on regulatory compliance for new product launches and digital lending platforms. Developed compliance frameworks for commercial lending product launches, conducting risk assessments and building monitoring protocols Partnered with business development and operations teams providing regulatory counsel on product innovation across commercial banking functions Built risk assessment methodologies for commercial lending business units supporting regulatory examination readiness

Led legal and compliance team for multi-state expansion strategy, establishing regulatory infrastructure for geographic growth. Compliance and Legal lead for all tech projects Led compliance team managing all aspects of multi-state expansion, analyzing and implementing state banking and money transmission requirements across multiple jurisdictions Built state-by-state compliance frameworks addressing varying regulatory requirements, disclosure standards, and licensing obligations Managed regulatory change monitoring for state banking developments, implementing policy updates across retail banking operations Developed third-party oversight frameworks for vendor management supporting consumer-facing products

Member of State Bar

Washington, DC Bar