Julio Suarez

- Conduct comprehensive regulatory analysis and provide strategic support to facilitate the successful launch of new financial products. - Oversee, refine, and update the compliance testing program to ensure ongoing adherence to regulatory standards. - Deliver expert regulatory guidance on non-traditional consumer finance products to ensure compliance with applicable laws and regulations. - Collaborate with engineering and operations teams to assess the regulatory impact of control deficiencies and develop adequate controls to mitigate future risks. - Administer the Issues Management Program, ensuring effective identification, reaolution, and validation of compliance-related issues for the financial institution. - Coordinate third-party audits, including the validation of materials provided and the management of all formal audit processes, such as management responses and exit meetings.

• Covering North America and LATAM Banking. • Review and address product launch risks including digital, traditional and commercial products. • Audit broker dealer and Capital Markets for regulatory compliance with IIROC, FINRA, MSRB and NFA/CFTC compliance alongside evaluate sustainability and effectiveness of controls. • Test and validate implemented controls to address compliance and operational risks, including but not limited to Flood Act, MLA, Privacy Regulations (Cayman Island Regs., CCPA, Regulation P), SCRA, Volcker Rule, Whistleblower Regulations, Regulation Z. • Oversee and manage third party consultant reviews. • Create regulatory mapping controls.

• Conduct testing and monitoring to evaluate strengths and weaknesses of the Institution's Fintech partners by reviewing policies, procedures and performing transactional testing. This includes identifying root causes, communicating findings with management teams and working in tandem to create business line specific corrective actions. • Create internal testing scripts, request letters and other materials to conduct periodic, quarterly and annual testing. • Conduct regulatory research, analyze, present and memorialize business position on regulatory applicability and risk absorption reasoning. • Act as subject-matter expert for all consumer compliance regulations including but not limited to Regulation B, Regulation C, Regulation E, ESIGN, FCRA, FDCPA, GLBA, Identity Theft Red Flags, Regulation P, TILA-RESPA, SCRA, UDAAP and Regulation Z. • Create workflow processes and attending procedures to be used internally for execution of work and training purposes. • Provide English to Spanish translation and "back-translation" of national, marketing materials. • Ensure regulatory and legal compliance of innovative, multi-asset secured products.

• Provide Credit Unions, Saving Institutions, State Chartered and National Banks with compliance testing services for consumer finance products • Reviewing and testing for compliance includes but is not limited to: Regulation X, Regulation Z, RESPA-TILA, HMDA Act, Flood Act, Identity Theft Red Flags Rule and SAFE Act • Identify through product sampling and personnel interviews institutional practice, procedural and policy weaknesses and provide business line solutions

• Review and assess documents and contracts for RESPA, TILA, and TRID regulations compliance. • Research, analyze and publish state regulatory updates in the mortgage lending industry. • Provide consulting services as well as tandem services such as onsite HMDA scrubs to banks and credit unions. • Provide business tailored compliance reports on regulatory developments including but not limited to provisions of UETA and BSA. • Guest speaker.

• Provided document review services for an acquisition conducted by ATC. • Analyzed various transactional agreements for compliance; these included but were not limited to: licensing agreements, master lease agreements, third-party agreements and commercial contracts.

• Conducted legal research on regulations pertaining to renewable energy and gas related issues. • Researched and drafted comprehensive in compliance answers responding to public information requests. • Wrote legal memorandums addressing gas pipelines service quality guidelines, combined heat and power projects, gas system enhancement programs. • Attended Department of Public Utilities technical sessions and provided reports.

• Prepared witnesses for trial including financial forms examinations and assistance. • Prepared direct examination, cross examination, and other trial documents for trial.

• Conducted legal research on housing, wills, and family law matters. • Coordinated and conducted advertisement business opportunities for an attached business entity.