Kori L. Kaldor

** *********** *****

Philadelphia, PA

651-***-****

acyd4a@r.postjobfree.com

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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