Regulatory Attorney
Resume:
Kori L. Kaldor
Philadelphia, PA
*******@*******.***
Summary of Qualifications
Consumer Finance and Banking attorney with more than six years of experience providing legal, regulatory, in-house counsel and compliance project management.
Proven ability to analyze complex banking and lending laws and regulations and communicate that analysis to management, internal stakeholders and Boards of Directors
Strong history of working closely with business units in the development and maintenance of operational programs to ensure they conform with policies, procedures and legal requirements
Extensive knowledge of: Dodd-Frank Wall Street Reform and Consumer Protection Act, Community Reinvestment Act, Fair Debt Collection Practices Act, Truth in Lending Act, Equal Credit Opportunity Act, BSA/AML, Fair Credit Reporting Act, Unfair Deceptive Abusive Acts or Practices, Servicemembers Civil Relief Act, Home Mortgage Disclosure Act, Real Estate Settlement Procedures Act, Electronic Fund Transfer Act, SAFE Act, Military Lending Act, Gramm-Leach-Bliley Act
Excellent interpersonal skills that are effective in developing relationships with management, internal business unit representatives, member organizations and outside counsel
Robust background leading multifaceted projects with multiple business units instituting programmatic changes and improvements to IT systems and organizational procedures
Experience
Regulatory Counsel
Freedom Mortgage Corporation October 2015 – Current
Manage state regulatory examinations
Review all marketing and advertising materials to ensure regulatory compliance
Track, analyze and report state and federal regulatory changes and developments to impacted business units
Lead the implementation of needed updates in technology, policies and procedures as a result of regulatory changes
Create all regulatory training
Write regulatory policies including but not limited to UDAAP, Social Media, Adverse Action and Fair Lending
Provide legal counsel and recommendations to senior management and business units
Regulatory Counsel
Independent Community Bankers of America June 2015 – October 2015
Provided guidance on legislative and regulatory issues impacting community bankers including the FCC’s Declaratory Ruling and Order Regarding TCPA and the DoD’s rule amending the Military Lending Act
Authored papers summarizing current and anticipated regulatory changes
Originated position letters to Congress and federal regulators
Met with attorneys from the Consumer Financial Protection Bureau regarding payment system innovation and governance in an effort to influence the Bureau’s position and future rulings
Presented regulatory and legal updates to member banks
Consumer Financial Services Attorney and In-House Counsel
Flagship Credit Acceptance, LLC, Chadds Ford, PA May 2014 – May 2015
Worked closely with management and provided in-house legal opinions to ensure company compliance with applicable federal and state laws and regulations
Created, developed and managed the implementation of the company’s Compliance Management System which did not exist prior to my tenure
Developed and managed the institution of a new Change Management Program including policies and procedures
In collaboration with the IT department, designed, developed and managed the creation and implementation of the company’s complaint management system
Supervised the Escalated Complaint Team in analyzing and responding to all consumer complaints
Developed corporate-wide policies and procedures to capture and track all consumer complaints
Personally researched, analyzed and responded to all state and federal regulatory complaints including those submitted to the Consumer Financial Protection Bureau
Responsible for the establishment, interpretation and revision of the company’s policies and procedures to ensure organizational compliance with applicable laws and regulations
Managed the integration of all policies and procedures across all business units
Drafted legal writings such as Master Dealer Agreements, Master Services Agreements, Statements of Work, Non-Disclosure, Settlement and Indemnification Agreements
Tracked and reported to executives, management, the Compliance Committee and Board of Directors significant legislative, judicial and regulatory developments and trends affecting consumer lending
Led and managed the Compliance Committee meetings
Created and provided all in-house regulatory training
Regulatory Attorney
ICS Risk Advisors/FIS Global, Moorestown, NJ March 2012 – May 2014
Worked as part of the Regulatory Advisory Services team in advising client banks, mortgage originators and financial institutions on adherence to applicable federal and state laws and regulations
Performed compliance mortgage lending reviews monitoring adherence to, among others, TILA, CRA and RESPA
Drafted clients’ policies and procedures, risk and gap assessments, compliance monitoring checklists and reports
Monitored banking and consumer lending regulatory developments and significant legislation and provided in-depth analysis and recommendations to clients, internal consultants and management
Reviewed client websites, applications, disclosures, sales materials and advertisements for deposit, lending and mortgage products to ensure compliance with applicable laws and regulations
Created new regulatory compliance resources for consultants and clients to utilize in compliance assessments
Authored white papers analyzing regulatory changes including changes to Regulation E and amendments to Regulation X and Regulation Z
Developed training materials to guarantee clients’ maintained up-to-date compliance programs
Paralegal and Support Attorney – Retail and Consumer Banking
Sovereign Bank, Philadelphia, PA September 2009 – March 2012
Collaborated with other departments to effectively manage and execute legal projects
Researched, analyzed and interpreted federal and state banking laws
Presented legal analysis to managers and senior executives
Drafted and updated consumer banking policies and procedures
Counseled bank tellers, managers, district presidents and senior staff on retail consumer law and legal disputes
Revised materials disseminated to retail outlets and customers in compliance with consumer protection laws
Worked with branches to resolve issues raised by customers and agencies
Provided additional support to senior employment, consumer lending and real estate counsel
Reviewed consumer retail banking contracts
Kori L. Kaldor
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Associate
Tassey & Associates, Washington, DC January 2008 – August 2008
Researched and analyzed regulatory developments out of Congress, the Federal Trade Commission and the Federal Reserve Board
Provided guidance on how insurance companies and banks should respond and steps they should take regarding policy developments
Communicated an analytical perspective on emerging and continuing issues to senior executives of financial services clients. Reported on industry-specific legislative and regulatory developments and opposition studies
Attorney/Law Clerk
House Committee on Financial Services, Washington, DC May 2007 – September 2007
Researched policy issues debated on the floor and discussed in Committee hearings including: financial markets, housing and financial institutions
Wrote issue memoranda and opening statements on behalf of the Ranking Member. Represented Committee staff in meetings with corporations, associations, agencies and other administrative departments
Attended Committee hearings
Summer Associate
Lockridge Grindal Nauen P.L.L.P., Washington, DC May 2005 – August 2005
Monitored and evaluated federal legislation
Drafted memoranda and updates reporting legislation specific to client’s interests
Education
Boston University School of Law, Boston, MA
LL.M. in Banking and Financial Law, May 2009
William Mitchell College of Law, St. Paul, MN
Juris Doctor, August 2006
Activities: Founding Member, William Mitchell Journal on Public Policy; Member, Rosalie Wahl Moot Court
Active Member, Minnesota State Bar
Georgetown University, Washington, D.C.
Bachelor of Arts in History and Literature, Spanish Minor, May 1996
Kori L. Kaldor
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