Alexandria Degree - CEO, AskDegree

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Work Background

AskDegreeFounder & CEO

Sep. 2017Las Vegas Metropolitan AreaTailored Risk Management.

Element Labs IncChief Executive Officer

Mar. 2020

Zuven Technologies IncAdvisor To The Board

Jan. 2019 - Jan. 2021Greater Detroit Area

Kuber Inc.Chief Compliance Officer

Mar. 2017 - Apr. 2018

MaxDecisions, Inc. Advisor

Jun. 2017 - Dec. 2017Irvine, Ca

ForwardLine FinancialDirector of Corporate Compliance

Nov. 2016 - Jun. 2017Woodland Hills, CaliforniaDesigned, constructed, and implemented corporate training program inclusive of drafting content for formal courses; target training audience included general staff, sales, underwriting, admin/executive, and Board; content related to Federal Commercial Lending Regulations (BSA/AML,OFAC/UDAP, ECOA, FCRA, etc.) Designed, Constructed, and implemented both Compliance Management System (three lines of defense) and formalized Vendor Management Program. Drafted all regulatory policy documents and procedural framework specific to requirements outlined by FDIC Insured Bank Sponsor Partnership. Reviews all mediums of Lending/Merchant Payment Services marketing materials (direct mail, web, television/radio commercials, etc.) and ensures compliance with regulatory marketing guidance, specifically UDAP, ECOA, and Fair Lending. Formalized reporting is submitted quarterly to the Compliance Committee. Conducted Regulatory Risk Assessment and developed subsequent annual monitoring and testing schedule based upon conclusions. Remained abreast of federal and state specific regulations, codes, and laws. Disseminated information to applicable constituents and staff members. Responsible for compliance relationship with Bank Sponsor Partner; SAR and complaint reporting. Oversee Audits/Exams by investors and regulatory entity; responsible for gathering all Request For Information (RFI); fielding all questions and ensuring remediation for exceptions/violations are corrected. Designed, constructed, and implemented Enterprise Compliance Committee. Compliance Committee responsibilities include disseminating pertinent compliance related information to fellow members of the committee; subject matter is relevant to overall compliance program maintenance, inclusive of, audits, both external and internal, risk assessment, gap and trend analysis of monitoring activity, and the tracking of state/federal lending commercial regulations and legal industry related activity.

loanDepotManager of Compliance - Consumer Lending

Dec. 2014 - Nov. 2016Foothill Ranch, CaliforniaDeveloped supplemental training for division staff addressing regulatory requirements specific to Service Members Civil Relief Act (SCRA), Financial Elder Abuse, and Regulation E, BSA/AML, Financial Red Flags, and Info Security. Collaborated with Consumer Lending Senior Management team to develop policy and procedural framework specific to the emerging consumer lending division. Partnered with Enterprise Risk department to create and implement pre-fund and post-fund Quality Control program. Implemented consumer communication tracking and reporting system. Multi user platform captures consumer correspondences with business (i.e. complaints, compliments, and inquiries). Partnered with General Counsel and External Counsel in the creation of all consumer compliance disclosures, legal notices, and marketing communications. Remained abreast of federal and state specific regulations, codes, and laws. Disseminated information to applicable constituents and staff members. Oversee all divisional third party Audits/Exams by investors and regulatory entity; responsible for gathering all Request For Information (RFI); fielding all questions and ensuring remediation for exceptions/violations are corrected. Member of Enterprise Compliance, Fair Lending, Customer Care, and Marketing Committees; responsibilities include disseminating pertinent consumer compliance related information to fellow members of the committee; subject matter is relevant to overall division development, audits, both external and internal, risk assessment, gap and trend analysis of monitoring activity,tracking state/federal lending advertisement regulations; reviewing all mediums of Consumer Lending marketing materials (direct mail, web, television/radio commercials, etc.) and ensuring compliance with regulatory marketing guidance, specifically UDAAP, ECOA, and Fair Lending. Results of reviews are shared with fellow committee members

SquareTwo FinancialChief Compliance Officer -Mandarich Law

Jul. 2013 - Dec. 2014Woodland Hills CaExecutive over the compliance program for both Mandarich Law Group LLP, located in Woodland Hills, CA and John C. Bonewicz P.C., located in Chicago, Illinois. Combined litigation foot print includes all US States and Puerto Rico; excluding only Massachusetts, New York, and North Dakota. Oversaw all third party Audits/Exams by client and regulatory entity; responsible for gathering all Request For Information (RFI); fielding all questions and ensuring remediation for exceptions/violations are corrected. Dual Administrator responsible for both firm’s Vendor Management Programs. Responsible for assessment of vendor risk classifications and ensures due diligence reviews are completed. Debt profile inclusive of consumer and commercial files; original credit types: signature loans (unsecured), revolving (unsecured), student loans, and medical debts. Created and implemented a robust Compliance Management System (CMS) that ensures compliance with all applicable Federal and State regulations; specifically regulations enforced by the CFPB, through the implementation of risk assessments, comprehensive policies and procedures, and a vigorous training schedule. Developed policy, procedure, and form master repository assigning document control numbers to each policy, procedure, form and notice to ensure version control and tracking of critical documents and forms utilized by both firms. Implemented and current Chairperson for Compliance Committees of both firms; as chairperson responsibilities include disseminating pertinent compliance related information to fellow members of the executive team; subject matter is relevant to audits, both external and internal, risk assessment, gap and trend analysis of monitoring activity, and developing regulatory changes at both the state and federal levels. Draft and present monitoring reports, audit responses, and official interoffice memos to the Executive Management and firm Owners.