Attorney

Alton Owens Turner

**** ********* **., ** **********, D.C. 20020 202-***-****

E-mail: ******@*****.***

EXPERIENCED REGULATORY PROFESSIONAL

Professional with 14 years of experience in conducting complex white-collar investigations related to securities violations by public companies, broker-dealers, and other entities or individuals while at the Securities & Exchange Commission (“SEC”), the Department of Justice (“DOJ”), and the Financial Industry Regulatory Authority (“FINRA”). Extensive experience with federal securities laws including Sarbanes-Oxley ("SOX") the Foreign Corruption Practices Act (“FCPA”) and strong working knowledge of Anti-Money Laundering (“AML”) regulations. Adept at conducting internal investigations, audit planning and reviewing policies and procedures to comply with appropriate regulatory guidelines. Key Qualifications Include:

Civil and criminal investigatory and prosecutorial experience while at SEC, DOJ and FINRA.

Regulatory review and compliance audit experience.

Understanding of real estate project development, mortgage underwriting and consumer banking compliance

(Reg. Z, RESPA, Fair Lending, UDAAP, etc.).

American University, Juris Doctor, April 1998

American University, Master of Business Administration, December 2000 Boston University, Bachelor of Arts, Political Science, April 1995 SEC University Leadership Development Program

Admitted to practice law in New York

Certified Mortgage Examiner (CME) and Certified Regulatory Compliance Manager (CRCM pending examination) PROFESSIONAL EXPERIENCE

Department of Insurance, Securities & Banking (“DISB”), Washington, D.C. Program Monitor November 2014 to Present Banking, Market Services Group

Monitor and implement foreclosure prevention programs in the District of Columbia in connection with the June 2013, $1.5 Billion national settlement with the five-largest mortgage servicers in the U.S.

Advise and coordinate with agency’s Investigations Division and the Office of Attorney General to initiate enforcement actions against regulated financial institutions. Provide final approval of proposed settlements prior to action by the Associate Commissioner of Banking.

Develop methods and processes to track and monitor enforcement actions and settlements entered into between respondent licensees and the banking division. Draft comprehensive enforcement policies and procedures.

Manage State Small Business Credit Initiative (“SSBCI”) as administered through the U.S. Department of Treasury

(“Treasury”). Based upon SSBCI allocation agreement initiate collateral support and loan participation transactions for up to $1 million. In addition, negotiate and close equity transactions through limited partnerships with institutional and angel investors for investments up to $1 million. Ensure compliance with Treasury and District guidelines as required by the respective transaction. Conduct outreach and marketing efforts to inform lenders, investors and potential borrowers of the merits of the program. District of Columbia Economic Development Cluster, Washington, D.C. Director of Compliance October 2013 to November 2014 Office of Program Monitoring

Managed and directed the Office of Program Monitoring (“OPM”) of the Department of Housing & Community Development (“DHCD”) located in the District’s economic development cluster.

Supervised 15-staff members, conducted performance management reviews, developed agency training needs and managed departmental budget of approximately $7,000,000.

Developed written policies and procedures for economic development programs administered by DHCD in order to mitigate risk to the agency, and reinforce standards of conduct, and promote improvement to business processes.

Monitored DHCD’s Portfolio and Asset Management Division consisting of 7,000 loans valued at approximately

$700 million. Voting member of the agency’s loan committee where approximately $200 million in gap financing by the agency was vetted.

Managed annual OMB A133 audit, and other regulatory audits. Managed relationships between business units and enforced timelines in order to respond and address audit findings. Formulated risk-based audit remediation plans pursuant to timelines provided by regulators, auditors and internal functions. During tenure the number of audit findings decreased from 150 to 10.

United States Securities & Exchange Commission, Washington, D.C. Senior Counsel June 2013 to October 2013 Office of International Affairs

Acted as liaison between the relevant SEC divisions and international regulators in connection with on-going enforcement investigations, and represented the SEC as a subject matter expert on U.S. securities laws to foreign regulators.

Delivered substantive presentations to foreign regulators on SEC Enforcement matters. United States Securities & Exchange Commission, Washington, D.C. Senior Counsel June 2003 to June 2013 Division of Enforcement

Conducted complex civil enforcement investigations related to trading, market manipulation, insider trading, FCPA violations, SOX violations, and accounting fraud by public companies, broker-dealers and other entities.

Managed voluminous document productions, conducted testimony of potential respondents, and analyzed audit, accounting, general business and corporate governance records.

Drafted comprehensive action memoranda embodying the facts, legal issues, and policy issues involved in each matter presented for Commission consideration, resulting in offers and orders of settlement and civil complaints.

Strong working knowledge of AML. Conducted a multi-year investigation into several related penny stock frauds involving the use of offshore accounts (Canada, Cayman Islands, Panama, Monaco and Isle of Mann) to disguise identity of the true security holders as part of a pump and dump scheme.

Lead attorney in parallel investigation with the U.S. Attorney’s Office for the Southern District of New York concerning options backdating and accounting fraud at SafeNet, Inc. Investigation resulted in the successful criminal conviction of the CFO, and $1.5 million in civil penalties, and other remedies against the issuer. Received Enforcement Director’s Award in connection with this matter.

Participated extensively in parallel investigation with the New York Attorney General’s Office concerning research analyst coverage and certain conflicts of interest. This matter resulted in $100 million settlement against Deutsche Bank. Received Enforcement Director’s Award in connection with this matter. United States Attorney’s Office, District of Columbia, Washington, D.C. Special Assistant U.S. Attorney September 2009 to August 2010 (On Secondment from the SEC) General Crimes Section

Prosecuted defendants in the Superior Court for the District of Columbia on various criminal charges in bench trials, jury trials, mental health hearings and dispositive motion hearings.

Required to collect relevant evidence and interview law enforcement officers, crime victims and other witnesses.

Worked extensively with various law enforcement agencies including the Metropolitan Police Department, U.S. Capitol Police, Amtrak Police, Secret Service and the FBI. United States Securities & Exchange Commission, Washington, D.C. Attorney-Advisor August 2000 to June 2003 Office of Compliance, Inspections & Examinations

Performed cycle and special examinations/audits of Self-Regulatory Organizations (NYSE, AMEX, and PHLX), registered broker-dealers and transfer agents.

Developed scope of examinations, and determined documents and materials to be reviewed.

Researched relevant securities laws and conducted comprehensive analyses of internal procedures, trading data, and other related information for use in substantive reports and/or deficiency letters detailing findings. National Association of Securities Dealers, Inc. (now “FINRA”), Washington, D.C. Compliance Examiner August 1999 to August 2000 Enforcement Department

Investigated activities of member broker-dealers to ensure compliance with NASD regulations and the federal securities laws, and coordinated investigations with outside regulatory agencies (SEC, AMEX & NYSE).

Planned and conducted on-site examinations of member firms and negotiated document productions with compliance staff or outside counsel.

Scheduled, planned and conducted on-the-record testimony of registered representatives.

Conducted customer interviews related to potential advertising and sales practice violations by broker-dealers. COMMUNITY SERVICE & ACTIVITIES

Thurgood Marshall Mentor Program: Mentor to D.C. High School students in a legal studies academy. Shaw Eco Village Project (“SEV”): Board President of D.C. non-profit organization working with at risk youth, by providing job training through a community-based bike shop and environmental awareness programs:

Managed and conducted board meetings and various committees meetings.

Monitored activities of SEV Director.

Oversaw fiscal management of SEV, including $300,000 budget, grant management and staffing levels.

Met with potential donors, and assisted with grant writing in order to solicit support for SEV. It’s Just the Kids, Inc.: Participated in OFAC-licensed volunteer program in Havana, Cuba designed to reclaim unused public space and build modern playgrounds throughout Havana for school aged children. Cuba Aids Project: Self-organized an OFAC-licensed trip to Cuba in order to provide medical supplies to a Catholic Charity that sponsored an AIDS prevention and care program. In connection with this project, raised over $1,000 in donations for the charity and transported over 100 pounds of medical supplies for AIDS victims in Cuba. Other Activities: avid white water rafter, camping and hiking, assistant instructor in Krav Maga martial arts, and skydiving.

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