CFPB and Consumer Protection Committee

The CFPB Committee anticipates and proactively addresses Bureau-related issues and offers rapid and constructive responses. Members engage and maintain dialogue with the CFPB to communicate the impact of regulations on both banks and consumers. The Committee focuses on overarching issues such as enforcement, regulatory coordination and data collection. The Committee also focuses on consumer complaints and operates an active subcommittee dedicated to the topic. Members collaborate with other CBA committees on specific issues within their purview. In addition to addressing issues as they arise, members also will benefit from networking, sharing best practices and understanding industry trends.

Committee Goals

The Committee's goals are to:

  1. Anticipate and respond to CFPB issues rapidly and constructively;
  2. Preserve an ongoing dialogue with CFPB executives and staff;
  3. Collaborate with other CBA Committees on relevant issues;
  4. Oversee and manage the CBA Consumer Complaints Subcommittee to address operational, analytical and technical issues; and
  5. Maintain CBA as the premier trade association for retail issues under the purview of the CFPB.

Members

Aaron Rykowski

Chair

Executive Vice President, Chief Compliance Officer

WesBanco

Wheeling, WV

Michael Reynolds

Vice Chair

Deputy Chief Compliance Officer

Zions Bancorp

Salt Lake City, UT

Manuel Alvarado
Senior Vice President, Compliance & Risk Management
U.S. Bank

Conchata Brown
Director of BSA/AML/OFAC Compliance
First Horizon

Brian Cahoon
Managing Director, Retail Risk Management
BMO

Diane Callan
Head of US Compliance-Fair & Responsible Banking,CRA Program and Compliance Regulatory Change Office
TD Bank

Mario Canales
Vice President | Compliance Department
International Bank of Commerce

Brian Carmody
EVP, Deputy General Counsel
Citizens

Mandy Carpenter
Senior Vice President, Consumer Compliance Officer
Woodforest National Bank

Margaret Chase
Deputy General Counsel and EVP - Consumer
Truist

Michael Cirilli
SVP/Chief Compliance Officer
First Commonwealth Bank

Jennifer Cooper
Senior Vice President, Sr. Director Consumer and Business Practices Compliance
Fifth Third Bank

Nishant Desai
USAA Chief Compliance and Op Risk Officer
USAA Federal Savings Bank

Blythe Evans
Senior Manager, Business Risk and Controls
KeyBank

Robin Faircloth
SVP Compliance Officer
Liberty Bank

Cristina Felix
Compliance Program Director
Valley National Bank

Charmaine Fernandes-Velez
VP – Manager, Compliance
City National Bank

Bryan Filipowicz
SVP, Fair Lending Compliance Officer | Compliance and Operational Risk Management
Associated Bank

Ashlee Flores
EVP, Chief Compliance Officer
Berkshire Bank

Thomas Golden
Vice President, CRA Officer
Rockland Trust Company

Todd Harris
Compliance Specialist IV
First Financial Bank

Jennifer Harris
Senior Vice President
Webster Bank, N.A.

Patrick Harwood
Head of Commercial and Consumer Compliance Advisory
Texas Capital Bank

Kristina Janssens
EVP, Chief Compliance Officer
Comerica Bank

Sue Jenkins
Compliance Analyst III
Atlantic Union Bank

Tracy Johnson
Chief Compliance Officer
Arvest Bank

Karl Kaufmann
Senior Vice President, Chief Banking and Regulatory Counsel
Synchrony

Shannon Kinross
SVP, Enterprise Compliance Risk Director
Huntington Bank

Patrick Kraus
Vice President, Compliance
Eastern Bank

Leslie Kurtz
Chief Compliance Officer
Northwest Bank

Jennifer Lam
Senior EVP & Chief Enterprise Compliance & Fiduciary Officer
Bank of Hawaii

Bart Leahey
Chief Compliance Officer
Frost Bank

Joe McDermott
Senior Counsel
Ameriprise Bank, FSB

Kate McGlinchey
Senior Vice President, Chief Compliance Officer
WSFS Bank

Rebecca Mitchell
Vice President – Senior Compliance Advisor
Flagstar Bank

Michael Mui
Senior Vice President, Chief Compliance Officer
Columbia Bank

Kelly O'Brien
Chief Compliance Officer
M&T Bank

Stacie Palmer
Senior Vice President, Director of Consumer Compliance
S&T Bank

Laura Pfeiffer
SVP, Director of Compliance
MidFirst Bank

Emilio Revilla
Chief Counsel, Consumer Regulatory
Capital One

Donald Robinson
Enterprise Compliance and Regulatory Affairs
Ally Bank

Karen Ruckle
Chief Compliance Officer
Bank OZK

Jennifer Ruggiero
Head of HACP Compliance
Wells Fargo

Micaela Sadati
Head of Global Compliance Risk Management Program
American Express

Michele Scarbrough
Director, Global Regulatory Strategy & Policy, CAO
Citi

Kelly Schlitz
Senior Vice President, Chief Compliance Officer
Banner Bank

Tawnya Schoolitz
Chief Compliance Officer
First Interstate Bank

George Seeberger
General Counsel
1st Financial Bank

Bill Senhauser
Consumer Controls Executive
Regions Bank

Milan Shah
Executive Director | Regulatory Affairs
JPMorgan Chase

Dan Shama
Associate General Counsel | Financial Services Executive
Bank of America

Kristie Shields
Executive Vice President, Chief Compliance Counsel
Mechanics Bank

Ilene Solis
Senior Vice President, Risk and Compliance (Chief Compliance and BSA Officer)
RBFCU

Brian Stormo
ED, Head of Advisory Compliance
Jenius Bank

Julie Vanderslice
Chief Compliance Officer
United Bank