Risk management expert with 24 years building enterprise governance frameworks for consumer credit. I help fintechs build risk frameworks that enable growth. ━━━━━━━━━━━━━━━━━━━━━━━━━ FRACTIONAL CGO SERVICES I provide fractional Chief Governance Officer services for companies—strategic governance leadership that encompasses enterprise risk management, regulatory compliance, and operational governance. (Some companies call this role Chief Risk Officer or Chief Compliance Officer; I deliver the complete governance function.) • Enterprise Governance Framework Development (90-day implementations) • Fractional CGO Leadership (6-12 month engagements) • Fractional CRO or CCO Services (6-12 month engagements) • AI Governance & Model Risk Management (AIGP Certified) • CFPB/FTC Examination Support ━━━━━━━━━━━━━━━━━━━━━━━━━ EXPERTISE ENTERPRISE GOVERNANCE: Strategic risk assessment | Regulatory compliance | Operational governance | AI/Model risk | Third-party risk REGULATORY COMPLIANCE: FCRA | FDCPA | TCPA | ECOA | UDAAP | GLBA | CFPB | FTC | State AG Oversight ━━━━━━━━━━━━━━━━━━━━━━━━━ EXPERIENCE 24 YEARS BUILDING GOVERNANCE FRAMEWORKS FOR CONSUMER CREDIT • Led enterprise governance for billion-dollar divisions serving 10M+ consumers • Managed strategic risk across all business operations (not just compliance) • Directed federal regulatory examinations (CFPB, FTC, OCC, State AGs) • Implemented consent orders and remediation programs • Built governance frameworks for AI/analytics in regulated products • Reported directly to President and Board Audit Committee Former Board Chair at Mission Hills Christian School (2015-2020) AIGP Certified (Artificial Intelligence Governance Professional) - February 2026 ━━━━━━━━━━━━━━━━━━━━━━━━━ WHY FRACTIONAL CGO? You need strategic governance leadership NOW, but full-time CGO/CRO requires 3-6 month search. You're scaling fast, regulatory pressure is mounting, and you need governance that enables growth. Fractional CGO gives you: ✓ Complete governance function (risk + compliance + operational) ✓ Immediate expertise (1-2 weeks vs 3-6 months) ✓ Flexible engagement (6-12 months, renewable) ✓ Battle-tested frameworks (24 years experience) ✓ Cost-effective vs full-time hire ━━━━━━━━━━━━━━━━━━━━━━━━━ IDEAL CLIENTS Fintechs ($5M-50M raised, 20-200 employees) in consumer facing CFPB oversight, deploying AI for lending, or needing strategic governance frameworks to enable growth. ━━━━━━━━━━━━━━━━━━━━━━━━━ Open to fractional CGO/CRO/CCO opportunities | Board service | Speaking engagements