examinations from sources including: Vendor, Compliance Testing, Internal Audit, Federal Reserve Bank, and Consumer Financial

Protection Bureau. Coordinates efforts to properly remediate MRA (Matters Requiring Attention) from all reviews and audits, particularly FDPA, OFAC, and BSA / AML. Developed strategy and process to reduce departmental FDPA violations: 24 total violations Q2 2008; 0 violations Q2, Q3 and Q4 2009; 2 total violations 2010; and 0 violations in 2011 and 2012 as a result of control issues. Increased awareness and competency of Regulation B by educating underwriting staff and managing a daily independent review and monitoring process. As a Chief Compliance Officer result, violations for decision timing were reduced UCB Intelligent 84.6%Solutions Q2 and Q3 of 2008, results within reporting 2013 tolerance in 2009 and 2010, and a record of 100% no violations in 2011 and 2012. This position was created to allow Senior Manager level of Coordinated with Corporate Security to function, establish fraud oversight a large collection agencys compliance control processes and procedures. As a result, lending due to implementation of Consumer Financial Protection risk and losses were reduced more than 50% FY 2007 to Bureau (CFPB) oversight. FY 2008. Risk and losses continued to be below targeted amounts throughout my tenure. Created the companys CFPB-compliant program, Provided support and guidance to Senior Management including: a comprehensive Compliance Management a regularconsultation basis through written and face-to-face Systemon document, on both MIS upgrades, process opinions. mapping and improvement of critical functions, and addition of a Quality Assurance and Control oversight team. Operations Unit Manager/Officer Created all documentation and processes for the internal Special Servicing Department audit function. JP Morgan Chase Created all documentation and processes for the change 2003 - 2008 management function, and leads the Change Management Committee. Managed the day-to-day operations of the Adjustable Rate Contributed to theInterest overall culture of compliance by departments Mortgage and Only Mortgage servicing leading training segments of senior management and for one of the nations premier mortgage servicers. board meetings, and provided guidance to owners and Supervised 27 hourly employees, 2 salary employees, and 5 the consultants. Chief Legal Officer / General Counsel on a daily basis. Daily tasks included ensuring service levels and Created and managed trend were analysis regulatory requirements metfor forconsumer customer disputes and complaints, disputes, and litigation issues. servicing requests.

Franklin University Master of Business Administration GPA: 3.78. ICumulative am an administrative Scored in 93rd executive withpercentile an on the MBA Major Field extensive background in legal Test. matters. I bring ten years worth of experience with Franklin University managing staff and Bachelor of Science, projects as Forensics well as Business expansive financial and operational audit Deans List experience. My main focus is legal University of Akron and compliance work, Associate of Applied culminating in my Science, Criminal certification of CCSA Justice by the Institute of Internal Auditors. Deans List; Member of Delta Gamma (holding I excel at results-driven officer-level positions), compliance, corporate Pre-Law Society, Student security, and risk Senate (Senate Chair and control . Finance Committee Criminal IChair), thrive and working with Justice Association. diverse teams and brining a can-do attitude to any situation.

Managed staff and processes to ensure that more than Compliance Section Manager/Assistant Vice 3,000 rate change notices were properly generated and President mailed on a monthly basis. Compliance with Regulation Business Banking and Commercial Lending AB was paramount during the review and mailing of the Divisionsnotices, Huntington Bancshares, Inc. as the window for compliance is short. 2008 2013 Led the department through critical system conversions

Managed all regulatory compliance initiatives forOne, all business after the merger of Chase and Bank including banking, SBA, non-profit, agricultural, church / religious, and acting as a SME for the special loans generally serviced commercial lending products for customers with revenues up off-system. to $25MM; including turntimes process and improvement. Reduced onprocedure disputes and servicing requests Led the divisions through a multitude of audits and to bring 97% of all issues into service level (from a >50% average turntime). Continued on page 2 Provided support and guidance to Senior Management on a regular basis through both written and face-to-face opinions.