Andy Friedman

Provide comprehensive compliance solutions for fintechs and startups. I offer Compliance program essentials including policy and procedure development, training, risk assessment design, vendor management programs, due diligence support, and issue management plans.

Built and operationalized major aspects of Dave’s compliance program including vendor management, monitoring, policies and procedures, training, and issue management. Led formalization and standardization of all policies and processes with compliance impact. • Drafted and updated Compliance policies and procedures • Developed vendor management program, including vendor review, risk rating, and ongoing diligence processes and creating due diligence questionnaires • Established issue management process • Built a monitoring and testing program • Designed Compliance training for entire organization

A versatile member of the Compliance Management Program team. Owned Regulatory Change and Third-Party Compliance Risk programs, including documentation, design, enhancements, implementation, vendor due diligence, and reporting. • Developed enhanced third-party due diligence program • Key driver of Compliance program maturation and growth • Directed Regulatory Change Management project • Managed Compliance reporting to internal and external parties • Advised businesses on lending compliance • Prepared materials for external audits, exams, and due diligence • Successfully worked with all areas of the Compliance department on issues management, regulatory change, third-party oversight, and other compliance-related areas • Supported Enterprise Risk Management function

Primary compliance resource for several commercial lending business lines including small business lending, commercial banking, commercial operations, and commercial credit card. Subject matter expert for numerous regulations for all of Union Bank. • Developed regulatory requirements for technical partners • Subject matter expert for numerous regulations for all of Union Bank • Developed, updated, and maintained written policies, procedures, and processes • Assessed and determined compliance risks and associated control needs for proposed lending prod- ucts, services, and projects • Determined risk profiles and potential issues by performing ongoing risk assessments as both subject matter expert and compliance officer • Drove compliance-related process change enhancements • Reported efforts and findings to senior management • Maintained close, effective, and successful relationships with management teams and colleagues • Trusted compliance and regulatory adviser to first-line business units

Provided regulatory, risk management, and legal support to departments across the entire organization including commercial lending, consumer loan production, training, contact center, retail, loan servicing, and indirect lending. • Primary compliance and legal resource for all consumer and commercial lending products, services, projects, issues, and questions involving credit cards, auto loans, home equity lines of credit, commercial real estate, and other commercial loans • Analyzed and determined risk of current and proposed projects, products, and services • Drafted terms and conditions for new credit card product • Assessed new and updated regulations for impact on credit union operations • Legal and compliance lead for multi-state expansion efforts • Prepared, executed and produced consumer and commercial lending compliance risk assessments • Managed compliance monitoring, controls development, and evaluating controls effectiveness of all consumer and commercial lending processes • Researched, analyzed and interpreted laws, regulations, related commentaries and worked with affected business units to modify processes, procedures and systems • Owned all consumer lending disclosures covering multiple state-specific versions and requirements and managed relationship with loan document vendor • Oversaw outside counsel relationships on consumer lending matters • Coached, enabled, and managed staff in several departments including Compliance • Leading member of corporate sustainability team

Provided regulatory compliance, risk management, and legal support to the Compliance Department, as well as support to business units, management, and front-line staff in their efforts to comply with applicable laws, regulations, and regulatory guidance. • Conducted numerous compliance reviews and monitored lending processes and procedures to ensure regulatory compliance, analyze risks and develop mitigation plans, and develop new and updated processes and procedures • Supported the build out of a new compliance management system for the organization • Business lead on multiple Credit Union wide projects including new loan documents and loan origination systems • Reviewed marketing for all types of loan products • Led multiple offsite vendor visits, assessments, and reviews. Drove improvements with vendor leadership