Background
Damian has over 20 years of experience in financial services, specializing in digital banking, consumer protection, and regulatory compliance. Damian is adept in the current and evolving financial services and consumer protection regulatory environment across the FS industry, including banks, credit unions, FinTechs, money service businesses, non-bank lenders, debt collection agencies, and other non-bank finance companies.

Professional and industry experience

• Assisted with the rollout and agile development of numerous digital banking products, including both deposit and lending products.
• Supported leading banks, credit unions, and FinTechs with the transformation and implementation of compliance and risk programs.
• Worked with clients on innovating their business through the use of FinTechs and intelligent automation capabilities.
• Led an enterprise-wide Ethics Risk Assessment for a large multinational consulting firm, including the development of the framework and methodology, conducting the assessment, evaluation and analysis of results, and remediation planning across the organization.
• Conducted compliance due diligence reviews of banks and large mortgage loan originators and servicers, ensuring compliance with GSE, public, and private loan investor guidelines and requirements at origination and throughout the servicing process.
• Assisted a large national bank with a review of their Privacy and Information Protection program prior to launching new consumer products.
• Extensive knowledge and experience with consumer regulations, including Regulation B (ECOA), Regulation C (HMDA), Regulation P & GLBA, Regulation X (RESPA), Regulation Z (TILA), UDAAP, and the TILA/RESPA Integrated Disclosures (TRID), and the CFPB HMDA Amendment.
• Established, assessed, and executed compliance testing programs for topics including Fair Lending, HMDA and HMDA Plus, UDAAP, SCRA, Flood, TILA, RESPA, ECOA, and Collections.
• Conducted numerous compliance testing engagements to evaluate compliance with federal regulations and identify gaps in policies, procedures, and organizational processes.
• Experienced in performing Compliance Gap Assessments and CFPB Readiness reviews in the Non-Bank Auto Finance Industry.
• Executed Compliance Risk Assessment development and testing engagements for leading national banks and non-bank lenders.
• Conducted numerous compliance transformation and regulatory change management program reviews and enhancements.
• Implemented and enhanced Vendor Management Programs to meet changing and increased regulatory scrutiny under recent CFPB focus.
• Worked with management on program enhancements to maintain compliance with applicable state and federal laws and regulations, assisting with policy and procedure development, and ensuring compliance training was developed to adequately train staff.
• Broad knowledge of debt collection practices, including matters around potential discrimination, UDAAP, FDCPA, and risk assessments.
• Capable of assisting with the development of compliance training programs that are more proficient and effective throughout an organization, creating substantial improvements and allowing for more focused and in-depth training opportunities.