Montgomery Street, San Francisco, CA94105609 Johnson Ave., 49204, Tulsa, OK
H: (555) 432-1000
C:
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Date of Birth:
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Executive Profile
Accomplished AV Preeminent®-rated corporate counsel with extensive in-house and large firm experience representing major public and private organizations in a wide range of legal and regulatory matters. Business-oriented attorney with demonstrated ability to reduce costs and obtain successful outcomes.
Core Competencies
Corporate Law • Corporate Governance • Legal and Regulatory Compliance • Mortgage Banking • Real Estate
Risk Management • Financial
Services • Mergers and Acquisitions • Vendor Management • Contracts • Quality Control
Core Accomplishments
Reduced year-over-year legal spend by
over 50% at InterLinc by bringing in-house most litigation matters and personally
prosecuting and defending lawsuits for the organization.
Saved InterLinc over
$200,000.00 in legal and consulting costs by in-sourcing overhaul of
enterprise-wide policies and procedures to make compliant with regulatory
requirements.
Cut outside vendor
expenditures by 40% at Grocers Supply by bringing in-house consulting, process
improvement expertise, commercial loan document preparation, loan negotiation,
and loan closing services.
At World Savings, reduced by over 50% all outside legal
fees for securitization of over $100 billion in mortgage loans and related
assets.
Professional Experience
EVP and General Counsel, 09/2015 - Current Aarp – Portland, OR,
Leads legal and compliance departments for dynamic, fast-growing multi-state mortgage lender.
Partners with executives and business managers to create successful, win-win business solutions in ever-changing legal and regulatory environment.
Oversees development of enterprise-wide policies, procedures, and training to ensure effective control and monitoring of mortgage origination and servicing operations.
Senior Director and Legal Counsel, 05/2014 - 05/2015 Applied Medical Technology, Inc. – Brecksville, OH,
On assignment from Special Counsel)
Advised executives and senior management on wide range of business, legal, and financial matters, including risk management, corporate and retail finance, accounts receivable litigation, and labor issues.
Streamlined customer finance process which allowed retail clients to borrow for capital improvements, resulting in increased customer loyalty and retail sales at minimal risk of loss to company.
Realized 40% savings in outside vendor expenditures for company by bringing in-house consulting, process improvement expertise, commercial loan document preparation, loan negotiation, and loan closing services.
Provided counsel to financial institutions in achieving compliance with federal and state mortgage laws and regulations relating to mortgage lending and servicing, including TILA, RESPA, HMDA, ECOA, HPA, HOEPA, UDAAP, SAFE Act, TRID/KBYO, FCRA, FDCPA, and GLBA, as well as QM and ATR requirements.
Advised compliance and internal audit personnel for both bank and non-bank origination and servicing companies in development of enterprise-wide operational processes, including oversight mechanisms to ensure effective monitoring and control over vendors and outsourced business functions.
Counseled clients on effective preparation for federal, state, and investor examinations and audits, including CFPB, HUD, Fannie Mae, Freddie Mac, and Ginnie Mae.
Associate General Counsel, Vice President, 01/2012 - 2014 Nationstar Mortgage LLC – City, STATE,
Performed first legal and compliance review and analysis of changes in federal, state and local laws and regulations affecting mortgage servicing business.
Provided day-to-day counsel on legal and regulatory matters to business managers and staff.
Managed legal review, drafting, revision, negotiation, and enforcement of third-party vendor contracts and agreements, including property management agreements, purchase and sale agreements, broker agreements, and internal affiliate services agreements.
Deputy General Counsel Vice President, 05/2009 - 11/2011 Litton Loan Servicing LP, A Subsidiary Of Goldman Sachs Bank, FSB – City, STATE, USA
Created and implemented effective enterprise-wide compliance procedures to ensure effective monitoring and control over company's 2,000 vendors and outsourcers.
Provided daily legal and business guidance to executives and management in all areas of banking and financial services.
Responsible for negotiation, drafting, and management of all third-party agreements.
General Counsel, 05/2007 - 05/2009 Home Loan Services, Inc., A Subsidiary Of Merrill Lynch Bank And Trust Co – City, STATE,
General Counsel and Secretary to Merrill Lynch mortgage loan-servicing subsidiary.
Created corporate legal department from the ground up, including hiring of all staff, development and implementation of litigation docketing and management system, and institution of department quality-management standards.
Developed extensive expertise in corporate governance, federal and state regulatory compliance, mortgage lending and servicing, public policy, securitization, external and inter-affiliate relationships, and risk management.
Vice President, Legal Counsel, 07/2002 - 02/2007 World Savings Bank, FSB – City, STATE,
Vendor management, securities, and loan service counsel to major federal savings bank.
Reduced by over 50% all outside legal fees for securitization of over $100 billion in mortgage loans and related assets.
Provided legal counsel to executives, management, and staff regarding compliance with federal and state lending and consumer protection statutes and regulations.
Chief compliance and litigation counsel to major regional bank's loss prevention and risk management departments.
Successfully represented both international and domestic real estate and general commercial clients, including major mortgage companies and other lending institutions, in numerous actual and potential litigation matters and transaction disputes.
Counseled banking clients regarding BSA / AML, SAR compliance, federal agency investigations, inter- bank item processing (including Reg. CC, NCHA, and regional clearinghouse matters), forgery, fraud, correspondent banking, and privacy.
Accomplishments
Chair: Association of Corporate Counsel (ACC) Financial Services
Committee (2008 – 2009).
Trinity University. Adjunct Professor,
Securities Law and Regulation
(Fall 2005, 2006)
Guest lecturer - Securities
Law and Regulation, Financial
Institutions (1998 – 2004).
Licensed to practice law in Texas.
Education
: Banking and Finance Law; International Securities Transactions, Expected in - Boston University School of Law - Boston, MA GPA:
J.D.: Law, Expected in - Texas Tech University School of Law - Lubbock, TX GPA:
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