Jan 2017 – Jan 2018 · 1 yr · Boca Raton, Florida · On-site

• As principal commercial advisor for the global strategic accounts team operating across more than 150 countries, and the national accounts team in the security domain, I negotiated complex vendor agreements and data protection addenda just as GDPR and CCPA were coming into effect and enabled JCI's sales teams to use knowledge of those laws as a competitive selling point for our suite of services and SaaS-enabled resolutions. Based on my regulatory expertise, I served as matrixed general counsel for ShopperTrak, a SaaS retail surveillance and analytics startup acquired by the company.
• Select Accomplishments:
• ✓ PRODUCT STRATEGY AND M&A INTEGRATION: I enabled 15% growth in new markets post-acquisition by leading global legal integration for ShopperTrak, streamlining privacy and compliance across four regions and expanding into two new customer verticals; effort ensured GDPR, CCPA+, advertising and export compliance by directing SaaS platform integration across multiple jurisdictions.
• ✓ STRATEGIC CONTRACT NEGOTIATION AND DATA PRIVACY COMPLIANCE: I led efforts to swiftly adapt to evolving legislative requirements, drafting, negotiating, and standardizing global and national service agreements, securing favorable SaaS and IoT deal and data terms with Big Tech and Fortune 500s while managing 90+ contracts monthly and maintaining 100% regulatory compliance.
• ✓ LEGAL PROCESS OPTIMIZATION AND SALES ENABLEMENT: I boosted enterprise sales leaders' and clients' understanding of data protection, privacy and compliance-by-design principles and IP through targeted capacity building and cross-functional collaboration to remove traditional deal blockers. I increased contract approval speed 20% and reduced COGS by streamlining data privacy frameworks, review work flows and contracting playbooks.

Jan 2016 – Jan 2017 · 1 yr · West Palm Beach, Florida Area

• Hired to support the AGC during post-financial crisis regulatory scrutiny, I advised senior management and C-suite leaders on state and federal consumer finance laws, including UDAAP, CFPB regulations, and fair lending. I translated complex requirements into actionable strategies, driving growth and strategic partnerships. As Onit.y grew through M&A with troubled entities and distressed loan portfolios, I established a track record of developing collaborative regulatory relationships and shortened regulatory surveillance. I matured a skeletal privacy program into a data protection program compliant with the GLBA Safeguards Rule and emerging cyber regulations and standards. Promoted to lead third-party risk management and mature the privacy program, I later assumed oversight of licensing and complex regulatory disputes.
• Select Accomplishments:
• ✓ BUSINESS PROCESS OUTSOURCING SUCCESS: I successfully advocated with regulators to approve a licensing program for offshore subsidiaries, protecting $100+ million in annual revenue and aligning activities with a preferential ABS tax structure. As part of that effort, I reduced a $9 million regulatory fine to $900,000.
• ✓ SETTLEMENTS & CORRECTIVE ACTIONS: Avoiding $3 million in penalties and litigation costs, I proactively managed incidents, enabling regulatory trust, early termination of supervision and faster implementation of corrective action plans.
• ✓ NEGOTIATIONS & STRATEGIC RELATIONSHIPS: I resolved and negotiated regulatory escalations and communications with ABS investors, CFPB, MMC and key state AG offices. After concerted regulatory action intensified, I liaised with banking authorities who had decided to stay out of the fray and backchanneled communications with other stakeholders to ensure timely settlement and resolution of regulatory pain points, managing communications and disclosures of multiple workstreams as other actions proceeded to litigation, where Onit.y ultimately prevailed.

Jan 2015 – Jan 2016 · 1 yr · West Palm Beach, Florida Area

• Led regulatory compliance and corporate governance/licensing for Onit.y Group (f/k/a Ocwen Financial Corporation) during post-financial crisis oversight, implementing proactive risk management systems and regulatory outreach, avoiding millions of dollars in legal costs and fines while optimizing global legal operations.
• Select Accomplishments:
• ✓ LEGAL TOOL CREATION: Saved $9.6 million annually by developing internal RPA-driven compliance tools to automate 15 compliance monitoring features across multiple jurisdictions, reducing consumer complaints by 10% and improving regulatory response times for privacy and consumer protection regulations. I created comprehensive multi-jurisdictional reference tools related to global data protection and response, mortgage servicing, lending, escheat, consumer protection, and financial regulations, training internal resources to monitor legislation and update relevant reference tools and automated controls.
• ✓ NEGOTIATIONS & STRATEGIC RELATIONSHIPS: I resolved and negotiated regulatory and third-party vendor escalations and settlements, and customer pre-litigation matters, liaising with attorneys general, key vendors and financial regulatory bodies for breach reporting, registration, licensing matters, and regulatory examinations/investigations while maintaining positive relationships with all stakeholders.
• ✓ PRIVACY, VENDOR MANAGEMENT AND MARKETING POLICIES: I crafted frameworks for privacy, third-party risk management and marketing campaign governance, maturing record retention and data inventory policies, privacy notices, and risk assessment protocols, and strengthening auditing protocols, breach response, and privacy training measures.

Jan 2010 – Jan 2015 · 5 yrs · West Palm Beach, Florida Area

• Starting the day before Onit.y closed on its acquisition of Barclay's distressed loan portfolio and months prior to the effective date of the Dodd-Frank Wall Street Reform and Consumer Protection Act, I was hired to support the AGC on 1934 Act compliance, corporate law given the company's active M&A plans and oversee the regulatory exam team. As regulatory scrutiny intensified, I soon became an expert on state and federal laws and standards related to consumer credit, collections, financial services, housing finance, information security, advertising, privacy, and trade practices. As states and the CFPB began regulating servicing activities, I managed bleeding-edge legislative trackers and expedited implementation schedules to ensure our SaaS vendor accurately captured required specifications and implemented automated controls.
• Select Accomplishments:
• ✓ REGULATORY RELATIONSHIP MANAGEMENT: I managed regulatory examinations effectively addressing identified issues, appealing findings, and implementing corrective actions to ensure compliance with regulatory requirements, optimizing outcomes for Onit.y by fostering relationships and building credibility with regulators and examiners.
• ✓ POST-ACQUISITION CONTRACT REVIEW AND OPERATION: I taught paraprofessional teams to review ABS and capital markets deal documents to extract loss mitigation and asset preservation strategies that aligned with asset-backed vehicle tax structures and cascade strategies to business units, enabling over 600,000 homeowners to obtain loan modifications.

Jan 2007 – Jan 2010 · 3 yrs · Miami, Florida · On-site

• In my role as an Associate at Greenberg Traurig in Miami, Florida, I specialized in mergers and acquisitions, IPOs, private placements, P3 investments, and corporate restructuring for international clients in various sectors, including telecom, retail, manufacturing, gaming and interactive entertainment, food & beverage and manufacturing, representing operating companies and private equity investment funds and investor consortia. In my representation of Hard Rock Hotels and Casinos, I helped pitch the initial corporate structure for what became Hard Rock Digital.
• ✓ INITIAL PUBLIC OFFERINGS/PRIVATE PLACEMENTS: I drafted offering documents for IPOs and private placements in the U.S., Israel and Latin America.
• ✓ MERGER & ACQUISITIONS: I represented sellers and buyers in cross-border mergers, drafting and negotiating stock purchase and asset purchase agreements and ancillary agreements such as employment agreements, license agreements, leases, pledge and credit agreements and side letters.
• ✓ FINANCING TRANSACTIONS: I represented international gaming and hospitality
• franchises and private equity funds in financing and franchising agreements.
• ✓ INTERNATIONAL FRANCHISE RESTRUCTURING: I managed local counsel and conducted multi-jurisdictional diligence for Latin American franchise restructuring.
• ✓ CORPORATE FORMATION, DISCLOSURE & ACTION: I drafted and negotiated foundational documents, including, limited partnership agreements, JV agreements, shareholder agreements, corporate governance, formation documents, registration and proxy statements, 10-Ks, 10-Qs, 8-Ks; and board resolutions and action.