career corner hyperlink to resumes hyperlink to job listings · • helped coordinate policy...

MidTown Regulatory Group (“MTRG”) hosted by

Linda Lerner, 212.803.4073, [email protected] Eden Rohrer, 212.803.4063, ERohrer @crowell.com

590 Madison Avenue, 20th Floor, New York, NY, 10022-2524 p212 223-4000 f212 223-4134

CAREER CORNER Hyperlink to RESUMES

Hyperlink to JOB LISTINGS The Midtown Regulatory Group was started over 20 years ago as a self-help group for compliance and legal professionals with broker-dealers and investment advisors. MTRG meets on the first Wednesday of each month at 4 p.m. guided by a member-driven agenda to help each member solve difficult compliance issues, discuss new rules and what they mean, discuss regulatory sweeps, audits, and exams, help each other to arrive at solutions to various problems common in the industry, and locate outside vendors who can help with compliance issues. At these monthly meetings there is often a vendor who speaks for 15 minutes with a brief question period following. There are over 600 members from all sized firms located throughout the country and Canada. We look forward to hearing from you regarding agenda items or other items of interest. Any and all comments are welcomed.

Meetings are held at the offices of: Crowell & Moring LLP 590 Madison Avenue, 20th Floor (southwest corner of East 57th Street) 4 p.m.

CONFERENCE CALL NUMBER AND PASSWORD

IS ALWAYS THE SAME:

Dial: 877.211.3621 Passcode: 212 803 4073 #

THE AGENDA IS ALWAYS at this link: http://bit.ly/XaZ1hF Final Agenda is up from noon of meeting day until the week before the next meeting

CAREER CORNER IS ALWAYS at this link: http://bit.ly/TK8lXx Career Corner is updated when resumes and job postings come in. If you would like to be listed or have a job posted, please email to [email protected]

As a service to our members, please find below resumes of members seeking employment, and jobs being offered by various parties.

http://bit.ly/XaZ1hF

http://bit.ly/TK8lXx

MTRG CAREER CORNER hosted by Crowell & Moring LLP Updated 02 June 2017


William Jannace

[email protected] (full C.V. upon request) h: 718-224-8231 17-85 215th Street, Apartment 17-L Bayside, NY 11360 c: 917-282-1034

Nearly 28 years in the securities industry at the American and New York Stock Exchanges and FINRA.

Managed FINRA’s Sales Practice Policy department responding to interpretive, policy and disposition requests, covering: capital markets/IPOs/private placements/Regulation D and S offerings/Rule 144A/144 resales, research/soft dollars,

communications with the public, AML, registration and qualification examinations/waivers, books and records/customer confirmations/account statements, broker-dealer registration, broker-dealer-investment adviser relationships/fee-based

accounts and mutual fund distributions, clearing/prime brokerage agreements, supervision, MSRB rules, outsourcing/Rent-a-Finop/CCO, bank sweeps/ACATs, suitability/KYC/churning/Rule 10b-5, outside business

activities/private securities transactions/outside accounts, Forms: BD, U4, and U5, and conflicts of interest.

Core Competencies

Written Supervisory Policies and Procedures - Anti-Money Laundering Project Management - Risk Management - Exam Management

SEC / FINRA Rules and Regulations - Equity Trading - Monitoring and Reporting

Professional Experience

FINRA (f/k/a New York Stock Exchange Regulation), New York, NY (6/2001 – 8/2015)

Director and Counsel-Sales Practice Policy

• Supervised staff of professionals responsible for: writing rules and amendments to rules and providing interpretive guidance to FINRA members regarding sales practice rules.

• Helped coordinate policy responses to new products and services (e.g. Private IPO market, bank sweeps) and business models (crowd funding).

• Participated in Regulatory Expert program regarding Research, AML, MSRB and Internal Controls violations. • Analyzed 17d-2 and RSA agreements. • Participated in FINRA-industry committee meetings and industry outreach programs. • Processed statutory disqualification recommendations and represented FINRA at eligibility proceedings. • Represented FINRA at expedited proceedings for violations of FINRA rules. • Supported FINRA-IOSCO initiatives and its MOUs with foreign regulators.

Managing Director – Member Firm Regulation

• Oversaw NYSE rule development and policy initiatives including: SRO Rule Harmonization, AML/Patriot Act, Outsourcing, ACATS, Electronic Communications, Branch Office Supervision and Structure, CEO Certification/CCO Designation, Registration and Qualification Examinations, Margin and Net Capital, and Foreign Research Analysts.

• Drafted board summaries and made presentations at NYSER Board meetings. • Participated in Disciplinary Advisory Committee. • Drafted interpretive request responses for NYSE rules.

Senior Special Counsel – Member Firm Regulation

mailto:[email protected]


• Drafted and amended NYSE rules including IPO Allocation, Research Analyst Conflicts and Business Continuity rules. Worked with OFAC and SEC to help firms identify potential money laundering issues and to restrict terrorist financing post 9/11.

Education & Certification

• LL.M. in Banking, Corporate and Finance Law, Fordham Law School, 1996 • JD, New York Law School, 1992 • Member of the State Bars of New York and Connecticut • Certificate in Global Affairs at New York University • Certificate in Environmental, Social and Governance investment training from the International Corporate Governance

Network. • FINRA Non-Public Arbitrator • Crisis negotiation exercises with the U.S. Army War College. • Member of the Bretton Woods Committee and the NGO Committee To Stop Trafficking in Persons. • Adjunct Professor/Lecturer/Expert-Consultant/Associate/Arbitrator and Research Affiliate

Courses/ Topics: Capital Markets/ IPOs/ Exempt Offerings/ ADRs, Securities/ SRO/ Mutual Fund/ Broker-Dealer/ Investment Adviser Regulation/ Operations/ Net Capital/ Customer Protection/ Prime Brokerage/ Short Selling/ Introducing-Clearing Agreements, Financial Literacy, Proxy Rules/ Corporate Governance/ Shareholder Activism/ Corporate Social Responsibility, Corporate Diplomacy/ Environmental, Social, Governance and Impact Investing, Climate Change/ COP21, State Capitalism, Family Firms, Sovereign Wealth Funds, Geoeconomics and Geopolitics at:


CAROLINE O’TOOLE Phone: (416) 274-1990 / Email: [email protected]

SUMMARY: A seasoned compliance professional with years of experience in the banking, mutual fund dealer, Investment Fund Manager, Exempt Market Dealer and Introducing/Carrying Broker sectors. Accomplished at managing teams, marketing review, personal trading, trade oversight, board reporting, policy and procedure writing, audits, AML, privacy, audit and various projects. I am known as a professional with a reputation for integrity, sound decision making, and the ability to identify areas of compliance vulnerability and trends. I am also known for my technological savvy with the ability to turn a twenty step process into two by leveraging tools available and freeing up staff time.

• Provide guidance to stakeholders including Product, Legal, Marketing, Investment Operations and Sales • Establish corporate-wide compliance programs, oversight, policies, and procedures • Write and execute various questionnaires to establish high risk areas, provide resolution and report to the

executive team and the Board of Directors • Relationship builder with regulators to interpret not only regulation but best practices and interpret further

guidance.

PROFESSIONAL EXPERIENCE: Bank of Montreal Senior Compliance Officer, Regulatory Compliance Testing (May ’16– Present)

• Maintain current, in-depth knowledge of current leading practices, standards and regulatory requirements of compliance risk management programs, including risk assessment, monitoring and testing, and issues management and apply them as appropriate to compliance programs.

• Maintain current, high level knowledge of all applicable regulatory standards and requirements in the jurisdiction of this role.

• Monitor developments and trends that may impact regulatory requirements. • Establish key risk indicators through analytics to measure the effectiveness of the compliance risk management

programs. Invesco Canada Senior Specialist, Communications Compliance (June ’15 – Sept’15)

• Reviewed and approved all marketing materials for retail funds, institutional clients, pooled funds and strategies • Provided compliance input for all RFPs globally • Quarterly review and reporting for all Tier II marketing pieces


AGF Investments Inc. Manager, Compliance (Sept ’12 – May’15)

• Conduct independent oversight and review of compliance with the AGF code of Investment Funds Sales Practices • Oversight, reporting and review of short term & frequent trading, securities lending and all personal trading • Soft Dollar Reporting for the retail funds and Best Execution for our Singapore Office • Review and approval for all Marketing material including print, social, roadshow decks and advertising • Trade oversight for all mutual funds (prospectus), institutional clients (IPS) using Charles River • Enforcement of all National Instruments and regulatory guidelines • Monthly, Quarterly and annual reporting to the Board of Directors, Independent Review committee (IRC), funds

Board and the executive committee • FATCA, CRM2, trade error and fund launch committees • Initiated , planned and implemented a paperless system for better productivity and time management within the

group Scotia Capital/Scotia Asset Management Senior Compliance Officer (Jan ’09 – Sept’12)

• Approved pre, post and batch trades for all Scotia Funds using Mpower and Charles River • Oversight of all personal trading for the Portfolio Managers and employees • Control Room duties included maintaining restricted/watch lists and Chinese walls • Completed the daily Investment exception report to ensure all clients were not in breach of any constraints outlined in

the Investment Policy Statements Global Maxfin Investments Inc. Senior, Compliance Officer (Jun '08 - June '09)

• Performed audits for all branch and sub-branch locations in Canada. Pre-tested and developed, reviewed and enhanced supervisory systems to ensure all regulatory requirements were abided by

• Conducted 90 day training for all new advisors and regional representative training quarterly to discuss compliance related matters

• Completed trade reviews looking for churning and trades outside Client’s KYC • Approved all new advisor registration

WFG Securities of Canada Compliance Officer (Jan '06 - Jun '08)

• Developed, reviewed and enhanced supervisory systems to ensure all regulatory requirements were abided by • Helped design, implement and monitor the firm’s Compliance program to ensure compliance with applicable laws &

regulation by incorporating them into WFG”s policies and procedures • Conducted formal internal reviews of all branch and sub-branch locations • Reviewed, revised and approved all marketing materials for the sales force including co-op proposals • Monitored and reviewed daily, weekly and monthly trade blotters • Approval or denial of all outside business activities • Investigated all client or regulatory complaints

CIBC Various Risk Management roles (Jun '90 - Sep '04)

• Manager, Trading, Credit, Risk Management


Education & Certification

• University of Toronto, St. Michaels College and School of Continuing Studies

Industry Courses: Enrolled: CSI Officer, Partner and Directors Kaplan - Series 7 CSI Canadian Securities ACAMS Branch Managers CSCP RESP Leveraging IFIC CCO Qualifying exam


MELISSA FERAZZOLI

52 Buckminster Lane Manhasset, NY 11030 Phone: (718) 490-6592

Email: [email protected] SUMMARY: Motivated compliance professional with over 15 years of experience in securities regulation and finance. Strong expertise in interpreting rules and regulations for publicly traded companies that require compliance with the Securities and Exchange Commission. Interested in a new compliance and/or regulatory-focused opportunity to leverage strong analytical business skills in a dynamic financial institution. PROFESSIONAL EXPERIENCE: INTERCONTINENTAL EXCHANGE (NYSE Regulation) 2006 – 2015 New York, NY Analyst, Issuer Oversight 2014 – 2015

• Served as the primary regulatory contact for approximately 700 NYSE and NYSE MKT listed companies and their representatives, including senior management and outside legal counsel.

• Provided guidance and interpretation of both qualitative and quantitative continued listing standards, policies and procedures including financial, corporate governance and shareholder approval requirements to all constituents.

• Reviewed and analyzed transactions for compliance with the shareholder approval rules and processed supplemental listing applications.

• Utilized the EDGAR Online website to monitor various domestic and international Securities and Exchange Commission filings, and determined compliance with NYSE, NYSE MKT and SEC requirements.

• Analyzed material news and assisted in determining whether a trading halt should be instituted. • Managed non-compliant issuers as needed including notifying senior management of an instance of non-

compliance, reviewed and evaluated proposed business plans submitted by the issuer to regain compliance through transactions including but not limited to acquisitions, debt for equity swaps, private placement offerings, rights offerings, management changes, cost-cutting, and reverse stock splits; prepared and presented recommendations to NYSE Regulation senior management, initiated delistings for cause, and coordinated delisting procedures with corporate communications, securities operations, stock watch and client service.

• Assisted issuers through the NYSE or NYSE MKT suspension and delisting process after obtaining senior management approval for instances of non-compliance including bankruptcy, which required immediate attention, drafted press releases and advised the company of appeal procedures. Initial Listings Analyst 2010 – 2014

• Reviewed and analyzed periodic reports filed with the SEC such as Form 10-Ks, 10-Qs and 8-Ks as well as other documents and regulatory background review memorandums to ascertain compliance with NYSE and NYSE MKT quantitative and qualitative initial listing standards.

• Performed an analysis of the financial statements of companies for initial public offerings and listing transfers from other markets to the NYSE and NYSE MKT, including use of pro forma adjustments under SEC rules, accounting for mergers and acquisitions and use of proceeds from the offering.


• Prepared and presented initial listing eligibility recommendations to the Listing Operations Committee for determination of listing on the NYSE and NYSE MKT.

• Submitted pre-IPO approval notices to relevant parties the night of pricing to ensure a seamless listing process of NYSE and NYSE MKT initial public offerings.

• Provided expert guidance and interpretation of listing standards, policies and procedures.


JOSEPH P. ATHY, CPA, MBA, CAMS Linkedin.com/in/josephathy

Manhasset, NY 11030 516-554-6519

[email protected]

SUMMARY Results-oriented Risk Management Professional with demonstrated success in analyzing and escalating data to mitigate risk and adhere to regulatory requirements in the Financial Services Industry. Experienced in anti-money laundering and counter-terrorist financing, with emphasis on transaction monitoring, alert review, issue resolution and disposition. Recognized for implementing new standards and systems, addressing the resulting accounting, internal control, audit, reporting and documentation impact. Expertise in accounting and control for securities, derivatives, related funding products and employee benefits, including pension plans and stock compensation.

CORE COMPETENCIES Risk Management Transaction Monitoring Risk Based Audit & Compliance Financial Analysis Quality Controls & Accuracy Due Diligence/PEPS

BSA/AML/OFAC Project Management Benefits Accounting & SOX Consent Orders Regulatory Examinations Planning/Testing/Reporting

EDUCATION

Masters Business Administration (MBA), Major: Financial Management PACE UNIVERSITY- LUBIN SCHOOL of BUSINESS, New York, NY Bachelor of Arts (BA), Major: Accounting/Economics QUEENS COLLEGE, CITY UNIVERSITY of NEW YORK, New York, NY CPA, New York State Department of Education, Licensing Authority Certificate in Forensic Accounting, Baruch College, City of University of New York CAMS, Association of Certified Anti-Money Laundering Specialists

EXPERIENCE JPMORGAN CHASE & CO., Brooklyn, NY 2014 – 2015, Compliance Analyst Closed or referred for investigation 1500+ alerts, providing AML Investigations Unit with an initial formal assessment of potential money laundering, terrorist financing and other anomalous activity based on system and manually sourced alerts, consistent with global standards.

• Implemented self-review quality process, reducing review points 60%+, streamlining the alerts review process.



PAULA KANNO http://www.linkedin.com/in/paulakanno

(917) 547-3322 [email protected]

SUMMARY

• Proactive Compliance Professional committed to developing effective programs structured for regulatory

and business needs • Proven ability to build collaborative relationships with management and business lines while understanding

business initiatives • Articulate and confident communicator able to mitigate conflicts and convey regulatory and compliance

requirements clearly and unambiguously to all business levels • Experienced Manager who provides oversight, cross training and mentoring • Highly adaptable and able to prioritize in a fast paced, deadline driven environment • FINRA Series 7, 63

Industry Knowledge

Control Room Information Barriers Conflicts, Watch and Restricted Lists Global Research Settlement Insider Trading Regulation M FINRA 2711/NYSE 472 SEC 137/138/139 – Safe Harbors Capital Markets JOBS Act Research (Equities and Fixed Income) Best Practices Regulatory Audits (FINRA, NYSE, SEC) Annual Compliance Meetings

Personal Account Dealing Polices and Procedures

EDUCATION

Bachelor of Arts in English Literature, Minors in History and Art History DePaul University, Chicago, Illinois

EXPERIENCE COMPLIANCE CONSULTANT, New York, NY October 2014 – present, Compliance Analyst

• Advise on issues regarding Insider Trading, Investment Banking, Capital Markets, Research, Information Barriers, Wall Crossing Procedures, Personal Account Dealing as a Subject Matter Expert

• Actively follow industry and regulatory changes to keep current on Best Practices OPPENHEIMER & CO., INC., New York, NY April 2011 – September 2014, Senior Director, Control Room Manager

http://www.linkedin.com/in/paulakanno



• Responsible for day-to-day operations of the Control Room: Created a team environment through

cross training, coaching and mentoring • Provided highly specialized advice and interpretations of regulatory and compliance risk to

Investment Banking, Capital Markets and Research • Actively advised business lines on issues regarding Information Barriers and Wall Crossing

Procedures • Advised trading desks and Branch Office Managers on acceptable transactions • Approved Research (Equity and Fixed Income) for public dissemination • Developed and conducted Annual Compliance Meeting for Equity Research • Supervised Personal Account Dealing

GUGGENHEIM SECURITIES, New York, NY September 2010 – April 2011, Vice President, Control Room

• Co-managed day to day operations of the Control Room • Advised on deals in relation to conflicts and MNPI • Advised trading desks on acceptable transactions • Approved Research for public dissemination • Developed and conducted Annual Compliance Meetings for Investment Banking and Research

WOLTERS KLUWER FINANCIAL SERVICES, New York, NY November 2008 – September 2010, Compliance Consultant

• Critiqued and advised on new and updated compliance products • Provided guidance to clients on identifying and containing compliance risk, compliance monitoring

and fostering a culture of compliance • Ensured completion and compliance with FINRA 3010, 3012 and 3130

COMPLINET INC., Relocated New York office to UK Headquarters May 2008 – August 2008, Managing Editor, Regulatory Affairs Group

• Managed Regulatory Affairs Group: Created a team environment (including UK counterparts) and implemented cross training to a team of eight

• Evaluated and edited summaries of regulatory changes • Coordinated with Sales, Marketing and Client Support Teams to identify regulatory conditions and

suggest products/changes HSBC SECURITIES (USA) INC., New York, NY May 2006 – 2008 (Reorganization), Vice President, Compliance

• Developed and drafted policies and procedures including the Firm Wide Compliance Manual, Information Barriers and Control of Information Policy, Internal Marketing Guidelines and Written Supervisory Procedures

• Assessed new and amended regulations and informed the affected business lines • Reviewed and approved Advertising and Marketing Materials • Developed and conducted Compliance Training Programs, including New Hire Orientation


DEUTSCHE BANK SECURITIES, New York, NY October 2005 – April 2006, Vice President, Supervisory Support Team

• dvised CAOs and Designated Supervisors on regulatory responsibilities • Reviewed Gift Logs, NASD/NYSE Registrations, Regulatory Element, Firm Element, Annual

Compliance Meetings, AML and Pitch Books • Developed, drafted and implemented Written Supervisory Procedures • Reviewed emails/Instant Messages (IM's)

BMO CAPITAL MARKETS, New York, NY May 2004 – October 2005,

• Chaperoned meetings/communications between Investment Banking and Research • Approved Research for public dissemination • Updated/maintained Research disclosures • Evaluated, revised and maintained the firm Compliance Manual and developed procedures for

Equity and High Yield Research • Enforced Information Barrier Policies, including Wall Crossings, Restricted and Watch Lists


JOSEPH P. ATHY, CPA, MBA, CAMS Linkedin.com/in/josephathy

Manhasset, NY 11030 516-554-6519

[email protected]

SUMMARY Results-oriented Risk Management Professional with demonstrated success in analyzing and escalating data to mitigate risk and adhere to regulatory requirements in the Financial Services Industry. Experienced in anti-money laundering and counter-terrorist financing, with emphasis on transaction monitoring, alert review, issue resolution and disposition. Recognized for implementing new standards and systems, addressing the resulting accounting, internal control, audit, reporting and documentation impact. Expertise in accounting and control for securities, derivatives, related funding products and employee benefits, including pension plans and stock compensation.

CORE COMPETENCIES Risk Management Transaction Monitoring Risk Based Audit & Compliance Financial Analysis Quality Controls & Accuracy Due Diligence/PEPS

BSA/AML/OFAC Project Management Benefits Accounting & SOX Consent Orders Regulatory Examinations Planning/Testing/Reporting

EDUCATION

Masters Business Administration (MBA), Major: Financial Management PACE UNIVERSITY- LUBIN SCHOOL of BUSINESS, New York, NY Bachelor of Arts (BA), Major: Accounting/Economics QUEENS COLLEGE, CITY UNIVERSITY of NEW YORK, New York, NY CPA, New York State Department of Education, Licensing Authority Certificate in Forensic Accounting, Baruch College, City of University of New York CAMS, Association of Certified Anti-Money Laundering Specialists

EXPERIENCE JPMORGAN CHASE & CO., Brooklyn, NY 2014 – 2015, Compliance Analyst Closed or referred for investigation 1500+ alerts, providing AML Investigations Unit with an initial formal assessment of potential money laundering, terrorist financing and other anomalous activity based on system and manually sourced alerts, consistent with global standards.

• Implemented self-review quality process, reducing review points 60%+, streamlining the alerts review process.

• Part of team that successfully tested, implemented and rolled out the Mantas system for correspondent banking alerts, reducing the number of AML platforms globally by over 20, resulting



in a major step forward toward achieving compliance with the Comptroller of the Currency Consent Order.

• Owned Alerts by taking the lead in informing manager of status of alerts in queue, and always identified completed alerts by due date, thus facilitating manager’s statistical reporting.

• Worked with Delaware Alerts Team to promptly resolve any review questions, enhancing the overall collaboration within Global Compliance Operations.

• Took control of individual application access for 2012 Lookback Project, comprised of 20+ applications, reducing wait time by > one week.

• Instrumental in raising team knowledge by bringing back materials from NYS CPA Society AML Conference.

• Applications worked include: Mantas, Actimize, HALO, Customer Assist, FTMON, Sonar, Strategic KYC, CMT and Sharepoint. Due Diligence Tools include: Bridger, Lexis-Nexis, World Check & Google Negative News.

AEROTEK- JPMORGAN CHASE & CO., Brooklyn, NY 2013 – 2014 Compliance Analyst Employed by Aerotek serving in a consultant role for JPMorgan Chase. Performed alert reviews of correspondent banking transactions to identify potentially suspicious activity useful for law enforcement. Reviewed and analyzed data gathered to determine cause to escalate or close alert.

• Documented all data relevant to alerts and escalations, including supporting data, analysis and reason for disposition in a timely manner.

• Exercised sound business judgment producing high quality alerts which saved reviewers time. • Collaborated with KPMG & Quality Control to implement new protocols for multiparty alerts, for both

value and number of transactions, which became a basis for process used in the 2012 Lookback Project. INDEPENDENT CONSULTANT, Manhasset, NY 2011 – 2013, Industry Conference Leader 2013, Chair 2012, Co-Chair Anti-Money Laundering Conference Secured sponsorships from prominent industry organizations, consulting firms and banks. Aggressively co-marketed the conference with leading industry groups: ACAMS, AIBA, Deloitte & Touche Strategic Leadership Group, Crowe Horwath Network and Pace University Corporate Governance Center, among others.

• Led 8 Panel Teams, achieving conference attendance of 90+ participants in sharing industry best practices. Partnered with State Society to oversee all marketing and public relations initiatives.

• Reviewed contents on presentations on: Bank Secrecy Act / Anti-Money Laundering (BSA / AML) Practice Opportunities, AML Auditing, AML Technology (Big Data) & Virtual Currencies.

• Conducted due diligence on speaker’s knowledge, professional standing & presentation’s technical content. • Collaborated with senior government officials at NY Fed, FBI and IRS to assure timely conference program

development. Advised senior committee members and State Society sponsor weekly on conference status. METLIFE INC, New York NY 2010 – 2011, Accounting Consultant - Financial Management Group


Performed risk- based analysis of underlying assumptions, reviewed supporting actuarial calculations, and obtained acquirer signoff on pension valuations (liability of $539M and pension expense of $71M) as part of due diligence review for MetLife’s ALICO purchase. Oversaw disclosures for pension and stock compensation plans.

• Directed funding review of largest region’s defined benefit pension plan. • Performed due diligence on third party vendor, ensuring compliance with Parent requirements. Set up key

vendor on the procurement system to enhance operational control over third party service provider. • Assured transfer of pension for third country nationals ($9.7M liability), from parent to subsidiary in

advance of sale. Secured parent buy-in on settlement of awards held by subsidiary employees ($16.6M expense).

AMERICAN INTERNATIONAL GROUP (AIG), New York, NY 2005 – 2010, Director - HR Benefits Accounting Oversaw, managed and directed a team of 11 employees, responsible for on going accounting and reporting of company’s stock, pension, health and welfare plans.

• Created process to improve reconciliation of company’s pension records to external actuary, enhancing the information’s audit readiness.

• Enhanced company’s accounting and reporting of executive compensation through vetting of stock option valuations process and reconciliation of stock keeping system.

• Strengthened stock compensation and pension benefits controls, achieving satisfactory SOX reviews. • Implemented new stock compensation (expense, $389M) and pension standards (assets, $3.6B). • Satisfied data integrity standards for the audited financials through leading the Project Team comprised of • Controllers, Human Resources, Corporate Secretary and subsidiaries.

FREDDIE MAC, McLean, VA 2004 – 2005, Senior Director- Accounting Policy Group ABN AMRO NORTH AMERICA HOLDING, INC., New York, NY 1998 – 2004, Vice President- Financial Policy BARCLAYS BANK, New York, NY 1996 – 1998, Associate Director, Accounting Research & Technical Support WESTPAC BANKING CORP., New York, NY 1988 – 1996, Vice President / Compliance Manager, Americas Division SECURITY PACIFIC MERCHANT BANK, New York, NY 1987 – 1988, Manager, Financial Planning & Analysis BANKERS TRUST COMPANY, New York, NY 1980 – 1987, Assistant Vice President ARTHUR ANDERSEN & COMPANY, New York, NY 1978 – 1980, Staff Accountant

PROFESSIONAL ASSOCIATIONS


• Member, American Institute of Certified Public Accountants • Member, New York State Society of Certified Public Accountants (NYSSCPA), Anti-Money Laundering

Committee • Member, Association of Certified Anti-Money Laundering Specialists (ACAMS) • Member, Association of International Bank Auditors (AIBA), Compliance Committee


JOSEPH P. GIORDANO, CPA 15 Highview Drive

Huntington Bay, New York 11743 Cell: (631) 682-2317 - [email protected]

CERTIFICATIONS

SERIES 4, 7, 9, 10, 14, 24, 27, 52, 63, 79 AND 99 (CRD #2766544) NY Certified Public Accountant License #110191

EDUCATION Hofstra University, BBA Public Accounting, 1987 PriceWaterhouseCoopers, attended fraud detection and best audit practices classes in the UK.

EXPERIENCE

CONSULTANT, Sole Proprietor - October ‘05 – Present Contract Lead Auditor, Chief Compliance Officer, Options Principal, Risk Manager, Operations Financial and Operations Principal, Investment Banking, Advertising and Promotional Material Principal, Expert Witness and Consultant to US and non-US introducing and clearing Broker Dealers, Hedge Funds, Banks, Investment Banks, Forex Dealers, Primary Dealers, Transfer Agents, Custodians, Alternative Trading Systems, IB’s, FCM’s, CPO’s, CTA’s, Swap Dealers and Investment Advisers. Summary of Engagements

• Prepare responses to regulatory requests received during cycle examinations, sweep audits, ad hoc information requests and investigations.

• Author written sales and advertising materials, training manuals, supervisory procedures and controls.

• Provide training, best business practices and rule interpretation guidance to management and staff. • Set policy and controls over trade data (i.e. order tickets, blotters, settlement instructions, client

data, step ins and step out trades, drop copy, give-ups, soft dollars, etc.), financial books and records, e-mail and electronic communications surveillance, archival and storage and disposal program of trade data and maintain books and records for debt and equities securities and futures products.

• AML expert who conducts many annual independent AML tests and provides best business practice guidance on cross border transactions, client suitability, OFAC and KYC due diligence screening, PEP tracking, enhanced due diligence and suspicious activity identification and reporting.

• Review and approve advertising, promotional and research materials and prepare required disclosures.

• Set up, test, enhance and approve electronic trade blotters and trade surveillance programs, including assisting B/Ds and IB’s in linking proprietary and commercial 3rd party OMS to clearing broker, Bloomberg and portfolio management systems for fixed income and equities securities.

• Prepare initial and continuing registration filings for BDs and IAs and exam waivers to regulatory


authorities (i.e. the SEC, FINRA, CFTC, NFA, FSA (UK), OSC, CNBV (Mexico), CIMA, BVI FSC, SFBC (Switzerland), China Securities regulatory Commission, Hong Kong Securities and Futures Commission, SIPC and each of the U.S. states and territories).

• Assist Firms with negotiating clearing and 3rd-party vendor services agreements. • Test and provide suggestions to enhance supervisory controls, implement tools (both manual and

electronic) and revise procedures for improved trade monitoring throughout the order flow process.

• Expert witness on securities and futures arbitrations and prepare docs for state Court of Chancery. • Provide forensic trade reconstruction and reporting services on manual and electronic orders to

assist clients with determining error responsibility and resolving disputes. • Contract Compliance Principal who prepares U.S. required disclosures and re-formats foreign

prepared research for distribution in the U.S. • Assist foreign Investment banks with establishing a presence and becoming registered as B/D’s in

the US in accordance with SEC Regulation 15a-6 published guidance. • Prepare expense sharing arrangements, financial, operational, transaction based and other

regulatory reporting filings. • Obtain CUSIP or ISIN numbers for foreign structured products, ARS and other NCI’s. • Conduct daily trade supervision, and prepare regulatory OATS, TRACE (corporates), MSRB

(munis), ATS-R (for 3 ATS’s), SEC 13D, F and G, Rules 144, 144A and 145 reports/filings.

THE GRISWOLD COMPANY, New York, NY - March ‘01 – August ‘05 Chief Compliance Officer

• Supervising Compliance principal of trading and advertising for a direct access Firm consisting of 47 registered staff that operated from the NYSE and BSE Trading Floors and one upstairs trading desk.

• AML Compliance Officer, WebCRD Administrator, Risk Manager, Soft Dollar Supervisor and regulatory liaison responsible for managing regulatory exams, inquiries and investigations.

NEW YORK STOCK EXCHANGE, New York, NY - October ‘98 – February ‘01 Senior Examiner

• Led and participated in financial, operational and sales practice examinations of self-clearing and introducing NYSE Member firms.

NEW YORK COTTON EXCHANGE/BOARD OF TRADE, New York, NY - May ‘97 –October ‘98 AVP/Financial Coordinator and Compliance Manager

• Exchange Representative to Joint Audit Committee tasked to standardize rules and audit procedures among regulators.

• As Audit Program Director, oversaw Member financial exams and screened applicants. • As Compliance/Surveillance/Risk Manager, conducted trade surveillance/investigations trading

floor surveillance and presided over on-the-record interviews.

PRUDENTIAL SECURITIES, New York, NY - May ‘96 – May ‘97


Senior Regulatory Analyst • Prepared Focus/1-FR, computed net capital, reserve formula and foreign segregation. • Consolidated financials of thirty-two subsidiaries for regulatory reporting. • Prepared free credits analyses used in successful defense of a class action lawsuit.

REUTERS AMERICA INC, New York, NY - June ‘90 – May ‘96 Senior Auditor and Financial Analyst

• Internal Audit Dept. (4 yrs.) – One of a team of five Reuters auditors who conducted Financial, Operational and IT Audits of Reuters entities (including Instinet, broker/dealer and ATS) and business units in the US, Canada, Mexico and Europe. Assisted PriceWaterhouseCoopers with mid and year-end audits and managed the US Intern Program.

• Strategic Planning Dept. (2 yrs.) – Performed general accounting, monthly closes, financial forecasting, budgeting and variance analysis for the worldwide core Transaction Product Management Team and several projects and products including: • Instinet – The first B/D to receive a SEC no-action letter to operate an ATS; • GLOBEX – A Futures electronic trading network; • Dealing 2000/2 – A Forex electronic trading and conversation network; and, • TV2000 – An interactive Financial News TV station broadcast by satellite.

NATIONAL FUTURES ASSOCIATION, New York, NY - June ‘88 – June ‘90 Experienced Examiner

• Audited Members’ finances, operations, sales practices and disclosure documents.


John W. Stalanski 113 84th Street, Bay Ridge, Brooklyn, New York 11209-4313

O: (718) 680-6936 C1: (917) 626-8280 C2: (917) 626-9579 [email protected] - [email protected]

FINRA CRD/IA # 2922709 - NFA # 284925

SUMMARY

Mr. Stalanski has more than 17 years experience in the securities industry, having initially gained experience as an account executive/financial adviser with Dean Witter Reynolds and American Express Financial from 1997 to 2000, before becoming engaged in supervision and compliance. In September 2012, Mr. Stalanski was appointed Senior Compliance Officer of CastleOak Securities, L.P. a subsidiary of Cantor Fitzgerald and Company, a full service broker/dealer with a concentration in institutional business. From the period of 2012 to the present, have established various policies and procedures as it has been related to the modification of the firms’ Written Supervisory Procedures (WSPs) specifically to the firms’ CMA as well as supervision of branch offices, registered representatives, and producing managers. Fourteen (14) plus years of regulatory compliance experience in the financial services industry both at the B/D and RIA platforms.

1. Extensive experience with various state regulators regarding the review and approval process for individuals with current and/or historical disclosure events relative to their registration process.

2. Strong understanding of FINRA®, MSRB, SEC, and NFA Rules and Regulations. Along with the a current knowledge of Bulletins, Notices, and changes associated with these regulators; as well as the Bank Secrecy Act and the effects of the Dodd-Frank reform act.

3. Wide ranging exposure in the development and crafting of firm responses to regulatory requests. 4. Ten (10) plus years experience as an Instructor and in the development and delivery of the firms’ Firm

Element Continuing Education (CE) Program and modules along with the presentation of the Annual Compliance Meeting including year end Management Certification of appropriate policy changes due to regulatory announcements. Ten (10) plus years of management experience within the financial services industry with proven ability to manage all levels of associates, including technical, professional, clerical, administrative and supervisory associates.

5. Within the RIA platform, experience in both the development of the financial planning analysis tool as well as the Asset Allocation module.

6. Development and crafting of firm Form ADV, ADV-Part II, and Schedule F. 7. Ownership and responsibility protocol for obtaining and maintaining various Insurance Business Entity

Licenses for the firm as well as interface with National Insurance Producer Registry (NIPR) for all insurance registrations.

EXPERIENCE

• In October 2011, Mr. Stalanski was appointed Chief Compliance Officer of Charles Morgan Securities, Inc.,

a full service broker/dealer with a concentration in private placement offerings. • In May 2010, Mr. Stalanski was appointed President and Chief Compliance Officer of First Merger Capital,

Inc., a full service broker/dealer. Mr. Stalanski is currently registered as a Series 24, 7 and 63, as well as holding various Insurance Licences and has previously been registered as a Series 31 and 65.


• In 2006, Mr. Stalanski became associated with GunnAllen Financial Group, Inc. as the Compliance Officer for the firm’s New York branch where he was responsible for the compliance oversight of more than 70 financial advisers until 2009, prior to joining FMC. In his position as Compliance Officer, Mr. Stalanski was responsible for branch office auditing, the administration of contributing education and exception report, advertising, and compliant reviews.

• In 2004, Mr. Stalanski joined Ashton-Clayton Financial Group, LLC as Chief Compliance Officer, AML Compliance Officer and Principal. In this position he developed the firm’s compliance program and was responsible for all compliance related matters, reporting directly to the firm’s senior management.

• From 2000 to 2003, Mr. Stalanski was a managing principal and compliance supervisor with American Express Financial Advisers, Inc. where he examined, reviewed, processed and prepared compliance cases involving customer complaints, internal investigations and regulatory requests for more than 90 financial advisors. During this period, he also planned developed and presented annual compliance meeting presentations. He also assisted in provided training regarding compliance matters to OSJ branch managers and new financial consultants.

• Prior to beginning his career in the securities industry, Mr. Stalanski served as a purchasing manager from 1976 to 1997 for various corporations, including serving as Senior Purchasing Director for Radio City Productions, Inc. from 1995 to 1997.


MARC S. SCHINDELHEIM, J.D., LL.M White Plains, New York 10605

H: (914) 686-7057 C: (914) 714-2705 [email protected]

www.linkedin.com/in/marcschindelheim

SUMMARY Senior Compliance Attorney and Anti-Money Laundering Expert with significant in-house experience providing expert legal counsel to internal clients in compliance, agency, and product areas of a large Fortune 100 financial services company. Proven ability to add value through a combination of legal skills and business acumen in support of company objectives. Strong leadership and communication skills, adept at managing transactional relationships with company regulators including state insurance departments and FINRA. Successfully managed and trained more than 50 compliance staff and junior attorneys. Expertise includes: Risk Identification, Risk assessment, Regulatory compliance, New product development, Customer complaint management, Operational management

CERTIFICATIONS FINRA Series 7 and Series 24 CAMS certified (July 2013)

EDUCATION LLM, Taxation, New York University School of Law JD, St. John’s University School of Law BS, State University of New York at Stony Brook

EXPERIENCE NEW YORK LIFE INSURANCE COMPANY, New York, New York, 1995 - 2012

2008 – 2012: Assistant General Counsel – Office of the General Counsel Responsible for all legal aspects of new and in-force product distribution and career agency system, Fortune 100 financial services company with insurance and investment sales in excess of $50 billion annually. Counseled Compliance Department regarding risk assessment of producer sales and business practices.

• Served as lead counsel in a state market conduct life insurance and annuity review to ensure company compliance with provisions of state and federal laws and regulations.

• Reduced legal and regulatory risk by advising product areas on legal issues critical to the development and roll out of new products.

• Provided legal support to policyholder service offices relating to contract interpretation, compliance issues, and review and development of procedures, forms and correspondence.

• Evaluated the backgrounds of over 1000 prospective agents and registered representatives to assess potential legal risk to the company.

• Provided legal review and advice to AML Officer concerning large single premium annuity purchases.

1997 – 2008: Corporate Vice President – Corporate Compliance Department Managed staff of 3 supervisors and 12 analysts responsible for the investigation and early dispute resolution of customer insurance and registered product complaints alleging producer sales practice violations, misappropriation or fraud.


• Established systemized approach to customer complaints and regulatory inquiries that resulted in reduced legal and reputation risk.

• Reduced complaint response turnaround time by 75% by partnering with IT to create new complaint processing and tracking system and implementing centralized database of response letters.

• Provided senior management with monthly findings and recommendations based on a review and analysis of complaints and regulatory inquiries.

1995 –1997: Associate Counsel – Office of the General Counsel, Developed and implemented the terms of the first class action settlement by a major life insurer involving “vanishing premiums.”

• Contributed to establishment of Alternative Dispute Resolution Unit, in accordance with the settlement.

• Supervised training of 30 ADR Unit contract attorneys, who reviewed and resolved approximately 30,000 claims in a timely and efficient manner.

ADDITIONAL LEGAL EXPERIENCE

OFFICE OF THE COMPTROLLER OF THE CITY OF NEW YORK Associate General Counsel Conducted compliance reviews, and drafted legal reports and memoranda concerning construction, employment, tax, contract and environmental law. OFFICE OF THE DISTRICT ATTORNEY OF KINGS COUNTY, Brooklyn, New York Assistant District Attorney Prosecuted hundreds of felony and misdemeanor crimes committed in Kings County, New York. Acted as sole prosecutor in 20+ criminal trials. Negotiated plea offers, responded to defense motions, and argued at evidentiary hearings. As bureau chief, supervised staff of 10 criminal trial attorneys.

MEMBERSHIPS New York State Bar; Federal Bar, Eastern and Southern Districts, New York; United States Supreme Court Bar; Association of Certified Anti-Money Laundering Specialists


JOHN J. WEBER 258 Barrow Street, #1D Jersey City, NJ 07302

201.435.7187 [email protected]

SUMMARY

• Varied compliance and back office experience in the Finance Industry. • Outstanding presentation development and leadership qualifications. • Project management & process improvement - Operations & Business Development. • Proven accomplishments in Regulatory Liaison, project management, policy development and problem

resolution. • Strengths in:

• Relationship management and leadership skills including experience in dealing with senior management

• Management of regulatory exams/inquiries and audits • Identify and resolve compliance issues • Develop and deliver corporate training • Analyze an existing environment and develop and recommend forward planning initiatives • Personnel management and teambuilding • Quality and productivity improvement

SKILLS SUMMARY

Management • Ability to understand, decipher, and relate the organization's vision back to employees • Ability to instill trust, provide direction, and delegate responsibility among team members • Utilized interpersonal & communication skills when assisting staff with difficult issues.

Client Relations • Proven courteous and professional communications with clients • Flexible, intuitive and proactive regarding client concerns • Energize relationships to identify strategies for improved efficiency.

Functional • Excellent problem solving skills when researching, analyzing and resolving complex issues • Utilize tools, technology and excellent judgment to be risk-focused. • Critical thinker

EDUCATION

BA; ART Education, New Jersey City University, Jersey City, NJ

EXPERIENCE

Depository Trust & Clearing Corp (DTCC) Internal Audit Department – Consultant

• Review, verify, and update policies/procedure manual to reflect current guidance and processes. • Development of employee Onboarding procedures and training needs • Develop and facilitate Risk & Control Training to mid-level managers • Assistance in other IAD projects


Merrill Lynch, Pierce Fenner & Smith, Inc. Compliance - Consultant Office of General Counsel: Special project coordination and completion within the Registration Compliance Group including but not limited to:

• CRD expertise, disclosure review and background checks, regulatory and state inquiry review and filings, international registration, CPE

• Corporate and Physical Security reviews, Registration Operations and liaison with the regulators • Responsibilities included but not limited to: 351D filings, reconciliation of historical complaints to

ensure appropriate filings and record retention • Maintain and coordinate project work papers and applicable internal reporting.

Deutsche Bank New York, New York Directed the implementation of portfolio specific and regulatory investment guidelines: the training and education of Portfolio Managers in internal and external regulatory policies and procedures.

• Created internal policies and controlled the dissemination and training. Excellent working relationship with Regulators and Outside Counsel.

• Develop and execute Trading Desk Compliance Training • Coordinated trading application enhancements, purchases of vendor trading applications and

development of compliance systems. • Integrated portfolio management applications (operating and trading) after the Bankers Trust and

Deutsche Bank merger. • Oversaw and advised the Business Risk Management and monitoring/surveillance activities. • Active in KYC, AML and corporate documentation retention with Bankers Trust before merger.

Professional Memberships

LinkedIn – working groups Regulatory Compliance Association SIFMA Legal and Compliance Society Operations and Risk Regulation Inactive: Member of the Securities Industry Association’s (SIA) Legal and Compliance Division Member of the Bond Market Association’s (BMA) Legal and Compliance Division Member of the Futures Industry Association’s (FIA) Legal and Compliance Division American Management Association (AMA) 1999 Training the Trainer -Professional management


JAMES S. ALTSCHUL 45 East End Avenue, Apartment 2C

New York, New York 10028 Home 212.327.1257 Cell 917.617.0917

Office 212.370.1880 [email protected]

SUMMARY

Position drawing on expertise in:

• Compliance • Broker-Dealer General Management and Supervision • Investment Management • Corporate and Real Estate Finance • Wide-ranging experience in compliance issues affecting broker-dealers and investment advisors. • Outstanding research, writing and analytical skills. • Exposure to diverse sectors of financial services industry.

EDUCATION

J.D. and M.B.A., COLUMBIA UNIVERSITY, May 1988 Harlan Fiske Stone Scholar, 1985 – 1986 B.A., HARVARD UNIVERSITY (East Asian Studies), June 1982 Cum Laude; Harvard College Scholarship CHOATE ROSEMARY HALL, 1974 – 1978

EXPERIENCE AVIATION ADVISORY SERVICE, INC., New York, New York 1990-Present, President (1992-Present); Vice President (1990—1992)

• Leadership of financial consulting firm specializing in airline industry. • Principal areas of focus: arranging debt financings and advising financial institutions on aviation-

related transactions. • Extensive writing and lecturing on aviation finance; regularly quoted in trade press. • Since 2003: activities focused on management of substantial investment portfolio with oversight

and delivery of administrative services. HAYWARD HANGARS, LLC, Hayward, California/New York, New York, 2004-Present President

• Handling all aspects of development, management and financing of general aviation airplane hangar project.


ACCOUNTING & COMPLIANCE INTERNATIONAL, New York, New York, 2009-2010 Compliance Consultant

- Interim Chief Compliance Officer and branch manager of start-up retail brokerage firm; established systems and procedures.

- Performed inspections of New York area branch offices of national retail brokerage firm. - Appointed as FinOPs Principal for start-up broker-dealer, specializing in cross-border corporate

finance. - Developed template for 1017 applications.

K-ONE INVESTMENT COMPANY, INC., New York, New York, 1997 – 2007 President, Chief Compliance Officer and FinOPs Principal (2002—December, 2007)

• Succeeded founder of broker-dealer specializing in real estate partnerships and tenant-in-common offerings.

• Led rapid expansion of firm’s activities and upgrading of firm’s systems, infrastructure and procedures.

• Developed and implemented Anti-Money Laundering policies, Business Continuity Plan, CIP, compliant email system, firm element continuing education plan, and up-to-date Written Supervisory Procedures manual.

• Reviewed marketing materials, provided training on AML and other compliance issues, made CRD filings, handled OFAC screening, wrote annual 3013 report, and prepared 1017 letters.

• In charge of general management, compliance, development of new client relationships, due diligence, finance, and recruitment.

• Successfully completed registration as an investment advisor in four states. • NASD Executive Representative. Series 7, 24, 27, 63 and 65 licenses.

CALIFORNIA HANGARS, Los Angeles, California, 1998-Present Managing Member

• One of three Managing Members of first partnership to invest in airplane hangars. • Overcame considerable obstacles and closed non-recourse loan on attractive terms. • Developed operating systems and procedures.

DAVIS POLK & WARDWELL, New York, New York, 1988 – 1990 Associate, Corporate Department Assignments included:

• Representation of bidder in $440 million hostile takeover. • Advice to research and development limited partnership on Investment Company Act issues. • Counsel to Japanese financial institutions on various regulatory matters.

FIRST NATIONAL BANK OF CHICAGO, Chicago, Illinois, Summer 1987 Summer Associate, Mergers and Acquisition Division

• Conceived idea for potential major transaction in financial services industry; researched candidates on both sides and participated in discussions to determine approach.

• Developed concept for international capital markets product: arranging public stock offerings for foreign subsidiaries of major U.S. corporations. Researched major stock markets abroad, identified potential clients, and discussed marketing efforts with relationship managers.

• Assisted both M&A Division and other areas of bank in developing more effective strategy for conducting business with Japan.


ASIABANKING Magazine, 1983 – 1984 Tokyo Correspondent

• Wrote wide variety of articles about Japanese finance. ALLEN & COMPANY, New York, New York, Summer 1979

• Researched possible acquisitions and rights offering.

LANGUAGES Fluent in French Conversant in Japanese

PROFESSIONAL AFFILIATIONS Member in good standing of New York bar


PHILIP BAUCH, ESQ. 108 Lamped Loop

Staten Island, NY 10314 718-983-6109

[email protected]

SUMMARY • Compliance counsel with extensive securities and financial services experience. • Expertise in securities laws and industry rules and regulations; broad product knowledge; working

knowledge of anti-money laundering laws (USA PATRIOT Act, Bank Secrecy Act, Know Your Customer Rules) and Dodd-Frank Act.

• Regular attendance at programs on current legal and regulatory issues in the securities and financial services industry.

EDUCATION

Juris Doctor, Brooklyn Law School, Brooklyn, NY B.A., Psychology, New York University, New York, NY

AFFILIATIONS • Securities Industry and Financial Markets Association, Compliance and Legal Division • Midtown Regulatory Group • New York County Lawyers’ Association, Committee on Securities and Exchanges • NYS Bar Association, Business Law Section, Committee on Securities Regulation • United States District Court Bar, Eastern and Southern Districts of New York

EXPERIENCE

INDEPENDENT COMPLIANCE CONSULTANT, New York, NY, 2002-Present Employed independently primarily by banks and broker-dealers:

• Compliance auditing on broker-dealer and money laundering issues (Israel Discount Bank). • Document review for securities class action litigation (Wolf, Haldenstein, Adler, Freeman & Hurz). • USA PATRIOT Act and AML disclosure in correspondent banking relationships (Deutsche Bank). • Mutual fund breakpoint review and general 1940 Act compliance, including customer account and

transaction review (Chase Investment Services Corp). • Surveillance of associated person conversations for potential violations of securities laws and

industry regulations (Credit Agricole Indosuez). • Options surveillance (Salomon Smith Barney).

NASD REGULATION, INC., New York, NY, 1996-2002 Senior Compliance Examiner, Membership Department (1998-2002):

• Investigated and evaluated financial firm applications for initial NASD membership, and changes in terms and conditions of existing NASD membership.

• Critiqued all aspects of formation, organization, funding, supervision and operations of prospective and current member firms as applications required.

• Advised applicants on supervisory, compliance, operational and risk management procedures and systems for compliance with industry standards.

• Ensured adherence of application materials to NASD rules and the securities laws.


• Answered inquiries from the SEC, exchanges, SROs and state regulators into NASD membership process.

• Guided less experienced examiners in the details of work. Compliance Examiner, Special Investigations Department (1996-1998):

• Investigated information on member firm customer complaints and personnel terminations to determine possible NASD rule and securities law violations.

• Recommended formal charges as warranted. • Assisted management and in-house counsel to prepare cases against violators.

JOSEPHTHAL LYON & ROSS INCORPORATED, New York, NY, 1995-1996 Compliance Analyst

• Ensured adherence to the securities laws and corporate guidelines of transactions in restricted securities and privately-held letter stock being resold through prospectus (prospectus sales) under the 1933 Securities Act.

• Answered inquiries from corporate management, branch supervisory and operational personnel and shareholders regarding these transactions.

SKILLS

Microsoft Word, LEXIS, WESTLAW; Web Site Research: SEC, NASD, NYSE, OFAC; Summation


JUDITH HOCKNELL 33 John Street, Old Bridge

New Jersey 08857 732-604-1583

[email protected]

SUMMARY Seeking an opportunity to advance my career, where my skills in Regulation/Compliance and Analytical experience will be fully utilized.

• 5 years of Regulatory Experience reviewing Compliance Surveillance Exception Reports: Firm Quote, Executable Orders Unexecuted, Limit Order Display, and Linkage.

• 10 years on the American Stock Exchange as an Analyst. • Proven ability to work well under strict time constraints. • Reliable, hard working, self-starting, and motivated employment history. • Proficient in Word, Excel, Instinet, REDI, AODB, and Web Research.

EXPERIENCE

BEAR WAGNER SPECIALISTS LLC, New York, NY, April 2006 – June 2008 COMPLIANCE ANALYST

• Review various FINRA data and reports to detect possible trading improprieties. • Responsible for timely and accurate document preparation to various regulatory inquiries, while

maintaining electronic and physical filing system. • Review and analyze firm regulatory exception reports, including proprietary error trend analysis. • Conduct daily Amex / NYSE on-floor surveillance, monitoring for compliance with applicable

rules. • Assist with conducting firm-wide testing and verification of written supervisory procedures, while

continuously working with management. • Conduct real-time surveillance of proprietary trading reviewing for compliance with NYSE hedging

rules. NASD (Amex Division), New York, NY, January 2003 – April 2006 REGULATORY ANALYST

• Analyze exception reports to ensure proper handling of orders on the trading floor as it pertains to the specialist firms in compliance with Amex and SEC order handling standards (equities, options and ETF’s).

• Research trades on the floor for various violations as they relate to market mechanics: Executable Orders Unexecuted, Firm Quote Obligations, Trading Ahead and Linkage Orders.

• Analyze order handling complaints, which were referred to Department. • Interview Exchange members regarding investigations of order handling complaints. • Assist junior analysts with experience of floor policies and option knowledge.

GOLDMAN SACHS & COMPANY, New York, NY, January 2001 – December 2002 ASSOCIATE TRADING ANALYST

• Analyzed and researched daily option trades. • Ran customer order protection (COPS). • Entered and corrected option orders through the EXTRA system. • Worked directly with option traders and specialists.


SPEAR LEEDS & KELLOGG, New York, NY, 1993 – 2001 TRADE ANALYST

• Worked with option traders and specialists on Option trade research. • Filed daily option trades. • Entered data and research DK’s. • Resolved unapplied trades using the Intra Day clearing System (IDC).

SKILLS

SOFTWARE: Proficient in Microsoft Word, Excel, Outlook. OTHER: Knowledge of Amex trading books


BARBARA H. RAND 215 West 90th Street

New York, NY 10024 TEL: 212.877.7543

CELL: 646.530.4593 [email protected]

SUMMARY

An accomplished professional with a strong track record in the global financial services industry. Expert in building and growing relationships with clients, developing and managing client focused teams, enhancing sales, product and applications development, and product management, and delivering innovative financial technology solutions.

EDUCATION Master of Business Administration, New York University - Graduate School of Business Administration Bachelor of Arts in Economics with Honors, New York University - University College of Arts and Science

EXPERIENCE

BNY MELLON - CLIENT (NEW YORK, NY), 2011 – Present Regulatory Management Consultant

• Provides recommendations to implement Dodd-Frank Act to BNY Mellon's Global Markets derivatives business.

UBS INVESTMENT BANK (NEW YORK, NY), 2010 – 2011 Regulatory Project Manager

• Directed implementation of regulatory projects for global equities, derivatives, fixed income trading to include business process re-engineering, SEC/FINRA regulatory reporting, NYSE/NASDAQ market data pricing, full project life cycle, automating/streamlining operational efficiencies, and optimizing systems for volume, new business, and competitive edge.

IDB BANK (NEW YORK, NY), 2008 – 2009 Management Consultant - Risk Management

• Steered Enterprise Risk Management (ERM) Committee, chaired by President/Chief Executive Officer, reported to Executive Vice President/Chief Risk Officer, and drove ERM Credit, Market, Operational Risk, and Basel II Committees to result in improved global capital adequacy, liquidity, and growth and global regulatory compliance.

• Regulatory interaction with Federal Reserve Board, FDIC, OCC, SEC, FINRA. • Directed implementation of large-scale IT programs for global equities, derivatives, and fixed

income, Enterprise Risk Management (ERM), Basel II, credit, market, liquidity, concentration, country, counterparty, and operational risk, policy, P&L and regulatory reporting, risk-based capital ratios, credit risk ratings, risk weightings, 5 Year Strategic Plan, Internal Capital Adequacy Assessment Process (ICAAP), Capital Markets, Treasury, Lending, Banking, Regulatory Compliance, Mantas anti-money laundering (AML). Developed management controls and reporting.


CITIGROUP (NEW YORK, NY), 2005 – 2006 Senior Vice President

• Directed the implementation of 400+ large-scale global wealth management, private bank, investment research, capital markets, equities, and fixed income projects to include strategy, business process re-engineering, P&L reporting, and SEC/FINRA/NYSE legal/regulatory risk compliance including Basel II, credit, market, operational risk, key risk indicators (KRIs), key control indicators (KCIs), key performance indicators (KPIs), operational efficiencies, process change, risk control self-assessment (RCSA), anti-money laundering (AML), trading surveillance, suitability, OATS, Reg NMS, Reg SHO. Assets under management increased 15-27% to $450 billion.

SUNGARD TRADING SYSTEMS (NEW YORK, NY), 2003 – 2005, 2007 Project Manager- Vice President

• Developed and implemented functional specifications, presentations, and traders' user manuals related to enhancement requests received from the Equities Order Management Systems, Program, Algorithmic, and Direct Market Access Trading, Listed Market Making, Sales Trader, and NYSE/NASDAQ/ECNs client base.

• Project Manager interfacing with clients, product management, technology, and quality assurance. • Directed the product management of Web-based global equity and fixed income trading systems and

SunGard FIX Engine to deliver market connectivity to banks, broker/dealers, asset managers, custodians, and trading networks to enhance revenue and volume for this $13 billion company with annual revenue of $5 billion.

• Created strategy to launch new products to increase market share 15% and competitive edge. CORRIDOR PARTNERS (NEW YORK, NY), 2002-2002 Management Consultant

• Product Management for the launch of EBS Trader on Bloomberg to expand their presence in the FX dealing market.

ADP BROKERAGE SERVICES GROUP (NEW YORK, NY), 2000-2001 Senior Business Analyst

• Expanded new features to Web-based real time global equity and fixed income trading, credit risk and compliance systems including order management, Impact, FinancePro, MBS Expert, BPS, Wilco, and GPS to increase trading volume/revenue.

• Managed product development/business transformation projects which implemented full project life cycle specifications including business system requirements, market data, business process re-engineering, systems architecture recommendations, and integration into the global processing system.

• Managed and delivered multiple applications development projects for capital markets, asset management, retail brokerage, and banking clients to improve performance and enhance their business.

MANAGEMENT CONSULTANT TO THE SECURITIES INDUSTRY, 1984-2000


NOMURA SECURITIES INTERNATIONAL (NEW YORK, NY) Management Consultant

• Created their investment banking division to enlarge their presence on Wall Street. • Recommended new derivative products to increase their competitive edge with the major brokerage

institutions on Wall Street. • Introduced and marketed new products: derivatives, foreign exchange, futures and options, metals,

and indexes in the global equities and fixed income markets. • Developed and implemented real time equity and fixed income global trading systems, customer

service, and quality assurance; legal/regulatory compliance. DAIWA SECURITIES (NEW YORK, NY) Management Consultant - Risk Management

• Through sales meetings with the traders identified new opportunities in the existing market. • Developed new compensation plan.

SHEARSON LEHMAN BROTHERS (NEW YORK, NY) Management Consultant

• Managed cross-divisional strategy of real time sales management, trading and financial market information systems using both proprietary in-house systems and industry available real time financial market data, distribution systems, and analytics, including: Telerate, Reuters and Quotron, Knight-Ridder, Bridge, Bloomberg.

CITICORP (NEW YORK, NY), 1979-1987 Vice President/Product Manager

• Citicorp had acquired Quotron. Expanded Citicorp’s online Global Report service sales offering with Quotron financial market information.

• Implemented broker/client services applications for online securities trading for Citicorp Brokerage. • Strategic distribution of automated teller machines for retail banking division. • Expanded new features to the existing reinvestment services programs to corporations in the capital

markets. • Increased volume and profitability through the creation of new strategic business, marketing, and

advertising plans, promotional campaigns, and public relations. • Identified new marketing approaches to differentiate the targeted market. • Developed the necessary electronic approaches to support this service. • Worked with their Washington, D.C. lobby to develop additional tax benefits.

SKILLS: Microsoft Office Project, Word, Excel, PowerPoint, Access, Outlook, Visio, FrontPage; Microsoft Content Management Server; Microsoft SharePoint; Windows; Adobe; Lotus; OLAP; HTML, COBOL, FORTRAN; Thomson Reuters, Moneyline Telerate, Bloomberg, EBS Trader, Thomson Financial First Call, SunGard Data Systems, Orchestria, Actimize, Mantas, PlanView, ADP Impact, FinancePro, MBS Expert, BPS, Wilco/Gloss STP Explorer, SAS Credit Risk Management, Operational Risk, Loan IQ, Moody’s KMV RiskAnalyst, RiskCalc, S&P, Fitch Credit Ratings, Forex Manage, Bloomberg Portfolio Order Management System, CLS, NewRiver BreakPointer, Salesforce.com, Java, XML, UNIX, Sybase, Oracle, Reveleus, SQL, IBM WebSphere MQ. MEMBERSHIPS: Financial Women’s Association of New York, The Women’s Bond Club of New York, 100 Women in Hedge Funds, Risk Management Association, Midtown Regulatory Group


HOWARD T. MACRAE, JR. 743 41st Street, Brooklyn, New York 11232

804-347-6984 [email protected]

http://www.linkedin.com/in/howardmacrae/

SUMMARY Legal, compliance and tax (including ERISA) professional with substantial experience in the financial services industry as SVP/Assistant General Counsel of super-regional broker-dealer, Counsel to insurance holding company, as well as in private practice and government. Recent experience includes Federal, state and local taxation (planning, compliance, reporting and tax controversies/litigation), Sarbanes-Oxley Act issues and all aspects of financial services compliance, legal and administrative regulation, benefits administration, as well as corporate transactional work. LLM in Taxation and Member, Virginia State Bar.

EDUCATION MASTER OF LAW AND TAXATION, Marshall-Wythe School of Law, College of William and Mary, 1985 JURIS DOCTOR, University of Richmond School of Law, 1976 BACHELOR OF ARTS (WITH DISTINCTION), American Government/European History, University of Virginia, 1973

EXPERIENCE Independent Legal Practice/Contract Services,, Richmond, Virginia 2005 – Present Consulting available in matters relating to financial services regulation (including regulatory investigations, mortgage processing and servicing), state and local taxation, Federal taxation, transactions, general corporate law, due diligence and litigation support to institutions, such as SunTrust Banks, Capital One and Hampton Roads Bankshares, as well as corporations such as Altria/Philip Morris USA; and major local law firms including Hunton & Williams, LeClairRyan, Williams Mullen and Murphy & McGonigle (through PartnerJD, Special Counsel and HIRECounsel), quality control for the same, as well as professional/financial services licensing. Reviewed claims for the Gulf Coast Claims Facility (for the BP Oil Spill) administered by BrownGreer, Richmond, Virginia, and provided training to non-attorney claims processors. Office of the Attorney General of Virginia, Commerce and Financial Law Section, Richmond, Virginia 2003 - 2005 Assistant Attorney General: Primary representation of the Virginia Department of Taxation and tax-related matters affecting the Commonwealth, its departments, agencies and subdivisions, including complex tax litigation. Also, provided representation of the Virginia Board of Accountancy, several other state agencies and related non-profit organizations.


McGuireWoods LLP, Tax and Employee Benefits Department, Richmond, Virginia 2001-2002 Of Counsel:

• Primary practice focus was on state and local taxation, including deregulation of electricity suppliers, state tax legislation lobbying activities, general tax and business planning and other business transaction services.

• Financial services industry regulation, with particular emphasis on securities broker-dealer compliance (including compliance with ERISA) and the Sarbanes-Oxley Act, product development and insurance agency regulation.

Commonwealth of Virginia, Department of Taxation, Office of Tax Policy, Richmond, Virginia, 1998 - 2000 Assistant Tax Commissioner responsible for:

• Oversight of Tax Policy, Regulations, Rulings, Legislation and Advisory Opinions. • Representing Executive Branch tax initiatives to the Legislature. • Served as administrative hearing officer in tax assessment appeals; drafted and recommended formal

determinations. • Lead the Department’s annual legislative process, including drafting, commentary and

summarization of tax legislation in the Virginia General Assembly. • Liaison with high-level external customers, including members of the Executive and Legislative

Branches of state government, tax professionals, industry and professional associations to resolve complex, policy and legislative issues.

• Manage and mentor a large team of tax professionals to lead Tax Policy operation in a highly-technical, customer service-oriented environment; development and promulgation of regulations under the Virginia Administrative Process Act; forms review and approval; and, supervision of the Department’s litigation handled by the Attorney General’s Office.

Wheat, First Securities, Inc. and Wheat First Butcher Singer, Inc. (now, part of Wells Fargo Advisors, LLC), Richmond, Virginia 1981-1998 Senior Vice President, Assistant General Counsel, Assistant Secretary, 1990-1998 Vice President, Assistant General Counsel and Assistant Secretary, 1982-1990 Assistant General Counsel, 1981-1982 Wheat, First Securities, Inc.

• General representation of WFBS, its Finance Group and its subsidiaries in all facets of their financial services businesses, with particular emphasis on complex inter-disciplinary issues, private placements of WFBS stock, document analysis and negotiation (hardware leases, software licenses; secured, unsecured and subordinated loans; and lease financings).

• Provided legal support on tax, employment, retirement (including ERISA and IRA’s) and deferred compensation matters pertaining to WFBS, its affiliates and their dealings with clients, including membership on the Benefits Administrative Committee for WFBS' own benefits plans.

• Direct participation in the negotiation of home office, operations center and branch office leases, as well as the negotiation and placement of insurance policies maintained by WFBS for its own risk management program, including stockbroker’s blanket bond, directors’ and officers’ and general partners' liability policies.

• Participated significantly in WFBS' acquisition of several broker-dealers and the divestiture of other subsidiaries.


• Provided legal support to WFBS’ task groups in the conceptualization, development and implementation of new products and services; membership on Advertising and Sales Promotion Committee and Internal Audit Committee; participation on Management Committee, Fairness Opinions Committee and Risk Management Committee.

• Provided legal counsel to WFBS' subsidiaries, and initiated programs to maintain legal compliance in securities, insurance and real estate sales, federal and state tax reporting as well as trust company operations.

• Investigated, formulated positions and responded directly to clients and regulatory authorities on customer complaints and investigations; participated in customer arbitrations; and supervised representation of firm in arbitrations and judicial cases.

• Handled examinations and investigations of the firm by federal and state government securities administrators, self-regulatory organizations, the Department of Labor and the Internal Revenue Service.

• Established and provided legal counsel to WFBS’ two political action committees. As WFBS senior executive, also provided management oversight and legal representation as:

Director and Secretary, Mentor Trust Company, Virginia Secretary and General Counsel, Mentor Trust Company President, Wheat Insurance Services, Inc. Secretary & General Counsel, The Wheat Foundation; and Butcher & Singer Limited (U.K.)

Continental Financial Services Company, Richmond, Virginia 1976-1981 (then, parent company of Genworth Life & Annuity Insurance Company and Lawyers Title Insurance Corporation) Counsel 1977-1981; Attorney 1976-1977 Responsibilities included coordination of legal work for numerous acquisitions of a major affiliate (now Willis Group Holdings, formerly Hilb, Rogal & Hobbs, Inc.); Legal Counsel to Company’s PAC; Federal, state and local tax matters and tax planning; oversight relating to real estate development and acquisitions projects; and miscellaneous corporate governance and compliance matters. ADMITTED TO PRACTICE: (Virginia, 1976): Supreme Court of Virginia; United States Supreme Court; United States Court of Appeals - Fourth Circuit; United States District Courts - Eastern and Western Districts of Virginia PROFESSIONAL ASSOCIATIONS: Virginia State Bar, Sections on Business Law and Taxation, and Corporate Counsel Section; Bar Association of the City of Richmond; Bar Association of the City of Richmond, Corporate Counsel Section; BNA/Tax Management Multistate Tax Roundtable; Securities Industry and Financial Markets Association, Legal and Compliance Society; SIFMA Insurance/Annuities Supervisors’ Roundtable (former member); Midtown (New York) Regulatory Group; Virginia Executive Institute (management and planning skills training for select state employees)


Representative Financial Services and Corporate Transactions • Served on committee that conceptualized and implemented broker-dealer’s cash management account;

drafted (and revised as needed) all legal documentation with customers, service providers and vendors; and reviewed and approved advertising for the same.

• Served on committee that conceptualized and implemented broker-dealer’s mutual fund common fund product; drafted (and revised as needed) all legal documentation with software vendors for necessary accounting systems; and reviewed and approved advertising for the product.

• Formulated and implemented comprehensive ERISA (and IRA) compliance program for financial services organization in handling its customers’ accounts; successfully handled an audit by the United States Department of Labor of broker-dealer’s compliance with ERISA for such accounts.

• Responsible for legal work attendant for creation of broker-dealer’s self-directed individual retirement account, and keeping same in continual compliance; successfully handled two routine examinations by the Internal Revenue Service of documentation and non-bank custodian qualification.

• Formulated and implemented firm-wide program to obtain and maintain a listing of existing employee outside business activities, and implement a procedure to proactively receive and approve requests for such activities.

• Successfully negotiated and handled legal work attendant to broker-dealer’s conversion of its “back office” operating system on two separate occasions; review and negotiation of licenses to use trading software, such as BRASS.

• Responsible for all legal work required by broker-dealer’s “fully-disclosed” clearing division. • Participated in project to design and implement broker-dealer’s customer on-line trading program, including

drafting and review of necessary legal documentation. • Successfully handled insurance licensing and appointment of registered representatives in multi-state

operating territory; and successfully handled customer complaints, as well as insurance departments’ inquiries, regarding insurance products issued by subsidiaries of Baldwin-United Corporation, without being involved in the class action litigation regarding the same.

• Responsible for front-end legal review of firm and individual broker advertising, solicitation and prospecting materials, especially insurance and retirement products.

• Participation in customer arbitrations, especially those involving insurance products, ERISA, IRAs and tax claims, and supervision of outside representation in such matters.

• Responsible for legal work attendant in drafting, negotiating, interpreting and enforcing financial services organization’s employment agreements with various levels of professional personnel (including covenants-not-to-compete and non-piracy agreements).

• Successfully handled corporate secretarial responsibilities and corporate governance issues, including mergers and acquisitions, annual private placement of employer’s stock, dissenters’ rights.

• Successfully handled escheat audits by state treasurers regarding allegedly “abandoned property” of broker-dealer’s customers resulting from paperwork chaos of the early 1970’s.

• Drafted initial 1977 amendments to Virginia’s Insurance Holding Company and Takeover Bid Disclosure Acts.

Representative Tax Transactions/Cases Handled

• Formation of non-profit foundation as a private adjunct to state government-sponsored educational organization, and fast-track approval of it by the Internal Revenue Service.

• Successful management of state revenue department’s participation in comprehensive state legislation revising state and local taxation of deregulated electricity production industry.

• Prominent participation in statewide business community’s opposition to legislation providing for fixed-dated “deconformity” of state’s tax code with Internal Revenue Code.


• Catalyst in state public utilities regulatory body’s successful attempt to amend existing tax law to accommodate situation where electric supplier operates a power plant under a “synthetic lease” arrangement.

• Successful management of state revenue department’s implementation of various tax-relief measures (including personal property tax and food tax).

• Successful in achieving favorable local property and license tax treatment of hospital clinics, plant generating electricity through wind power, and nonprofit organizations (including advocacy before local governing bodies); and participated in state supreme court case successfully challenging a locality’s attempt to impose property taxation on a satellite in geostationary orbit above the earth.

• Successful in obtaining from state revenue department a ruling holding that a wholesale electric supplier’s acquisition (via a synthetic lease) of a multi-million dollar generator step-up transformer was exempt from state’s sales and use tax.

• Successful in obtaining a ruling from state revenue department’s policy division requiring its compliance division to pay increased interest on refunds of state’s estate tax.

• Successful tax planning and implementation to minimize and/or eliminate clients’ liability for state aircraft sales and use tax.

• Successful initiation and implementation of crash program to provide remote connections to Tax Commissioner and Secretary of Finance for simultaneous review of legislative documents and electronic submission to Legislative Services necessitated by the condemnation of the Department’s primary location due to the collapse of the roof.

• Conceptualization and successful implementation of public on-line tax policy library for state revenue department in partnership with private legal publisher.

• Successful representation of clients in voluntary disclosures to the Internal Revenue Service and state revenue departments of omitted income, withholding and sales/use taxes without the imposition of penalties (and, occasionally, without interest).

• Successful handling escheat audits by state treasurers regarding allegedly “abandoned property” of broker-dealer’s customers resulting from paperwork chaos of the early 1970’s.

Presentations and Publications

• “Case Law on Real Estate Tax Assessments in Virginia,” Virginia Association of Assessing Officers, 50th Annual Education Seminar, July 15, 2005

• “State and Local Government Conflict of Interests Act,” Treasurers’ Association of Virginia, 2004 Fall District Meetings, October 25, 2004

• “ ‘Secrecy’ of Taxpayer Information in Virginia: Scope and Limitations,” Information Disclosure Issues for Commissioners, Commissioners of the Revenue Association of Virginia, 85th Annual Conference, September 28, 2004

• “Black, White or Gray…Interpreting Code of Virginia Title 58.1?” Virginia Association of Assessing Officers, 49th Annual Education Seminar, July 16, 2004

• “The Virginia Attorney General’s Opinion Authority and Practices,” Virginia Bar Association’s Tax Practitioners’ Roundtable, October 24, 2003

• “Basic Virginia Sales and Use Tax,” Lorman Education Services Seminar, December 12, 2002 • “Deconformity and Accelerated Sales Tax Deposits in Virginia,” Fairfax County Chamber of Commerce

Newsletter, July, 2002 • “State and Local Tax Trends in the Southeast and Mid-Atlantic,” Northern Virginia Chapter, Virginia

Society of Certified Public Accountants, June 26, 2002 • “Hot Trends in Tax Law,” Virginia Society of Certified Public Accountants Industry Panels Conference,

May 20, 2002


• “Tax Controversies in Virginia,” State and Local Tax Committee, United States Law Firm Group, May 16, 2002

• “Fixed Date Deconformity in Virginia,” Private Business Study Group, April 23, 2002 • “Local Business Taxes and the Business, Professional and Occupational License Tax in Virginia,” Virginia

Economic Development Partnership “Truth About Tax” Series, March 11, 2002 • “State Uncouples From the Federal Code – But Stay Tuned,” State Tax Notes, Vol. 23. no. 11, p. 947,

March 18, 2002 • “Will Virginia Uncouple from the Internal Revenue Code?” State Tax Notes, Vol. 23. no. 9, p. 750, March

4, 2002 • “State and Local Tax Trends in the Southeast,” McGuireWoods’ Client Seminar for In-House Tax

Professionals, March 11, 2002 • “Tangible Personal Property Taxes in Virginia,” Virginia Economic Development Partnership “Truth

About Tax” Series, February 11, 2002 • “Attorney General Allows Exemption for Incorporated Religious Association,” State Tax Notes, Vol. 23,

no. 4, p. 268, January 28, 2002 • “Advanced Virginia Sales and Use Tax,” Lorman Education Services Seminar January 30, 2002 • “E-Commerce Seminar for Clients and Friends,” State and Local Tax Committee, United States Law Firm

Group [Boston and New York City], October 30, 2001 • “Point/Counterpoint: The Practitioner and the State Tax Administrator View Multi-State Taxation,”

Virginia Society of Certified Public Accountants Second Annual Tax Conference, October 29, 2001 • “Basic Virginia Sales and Use Tax,” Lorman Education Services Seminar, October 24, 2001 • “Virginia Sales and Use Tax for Manufacturers,” Lorman Education Seminar, August 22, 2001 • “Virginia Advanced Sales and Use Tax,” Lorman Education Services Seminar, June 13, 2001 • “Virginia Sales and Use Tax for Manufacturers,” National Business Seminar, May 22, 2001 • “Recent Developments in Virginia Tax Law,” Private Business Study Group, April 24, 2001 • “Virginia Tax Developments,” Maryland Association of Certified Public Accountants Multi-State Tax

Forum, October 26, 2000 • “Recent Developments in Virginia Tax Law,” Southeastern Association of Tax Administrators’ Attorneys’

Workshop, October 22-4, 2000 • “Virginia 2000 Legislative Summary,” BNA/Tax Mgmt Multistate Roundtable, September 8, 2000 • “Recent Developments in Virginia Tax Law” Panelist, Third Annual University of Richmond State and

Local Tax Conference, May 16, 2000 • “Virginia 2000 Legislative Summary,” VA Manufacturers’ Assoc. Tax Committee May 2, 2000 • Panelist, Virginia Commonwealth University Annual Tax Conference, November 12, 1999 • “Virginia Business, Professional and Occupational License Tax Developments,” Virginia Commissioners of

the Revenue Association Annual Meeting, November 8, 1999 • Roundtable Discussion, Virginia Chamber of Commerce State Tax Policy Committee, October 20, 1999 • “Recent Developments in Virginia State and Local Taxation,” Tax Executives’ Institute, Virginia Chapter,

April 28, 1999 • “Recent Developments in Virginia State and Local Taxation,” Tax Executives’ Institute,

Baltimore/Washington Chapter, December 9, 1998 • Panelist, Virginia Commonwealth University Annual Tax Conference, November 20, 1998 • Panel Discussion, Virginia Manufacturers’ Association Tax Committee, November 5, 1998 • Panelist, Virginia Bar Association’s Tax Practitioners’ Roundtable, October 30, 1998 • Roundtable Discussion, Virginia Chamber of Commerce State Tax Policy Committee, September 29, 1998 • “Virginia Business, Professional and Occupational License Tax,” Virginia Association of Local Tax

Auditors, August 19, 1998


• “Legal Issues: Insider Trading,” Training Video for Employees of Wheat, First Securities, Inc., William B. Lucas and Howard T. Macrae, Jr., November 6, 1985

• Macrae, “Dissenting Stockholders’ Rights in Virginia: Exclusivity of the Cash-Out Remedy and Determination of ‘Fair Value’,” 12 U.RICH.L.REV. 505 (1978).

• Contributed biographical sketch of Hugh Holmes, Esq. in Bryson, W. Hamilton (Ed.), Virginia Court Reporters Before 1880, Charlottesville, University Press of Virginia (1978).


Please e-mail resume and brief cover letter to:

[email protected] Rosenthal Recruiting website has more information and ways to connect: http://www.RosenthalRecruiting.com

Compliance Analyst - Marketplace Lending (MPL) in New Jersey

Rapidly expanding community bank seeks a hardworking, proactive Compliance Analyst

REQUIRED SKILLS: • Ensure Bank compliance with laws, regulations, and subjects related to lending for the Bank marketplace

lending partners (“MPLs”). • Updating and when necessary, drafting compliance related policies and procedures related to the Bank MPLs. • Completion and/or review of MPL Risk Assessments. • Assist Compliance Officer with testing consumer compliance laws/regulations/subjects pertaining to MPL

platform to ensure Bank compliance. • Review MPL complaints, advertisements, websites, etc. to ensure compliance/quality control. • Assist Compliance Officer with coordination of responses related to MPL platform to FDIC and New Jersey

Department of Banking (NJDOB) during examinations. • Facilitate review, closeout of MPL compliance issues via software data tracking system. • Assist colleagues and MPLs with compliance, Bank policy questions. • Additional projects on MPLs as needed.

REQUIREMENTS:

• Undergraduate Degree. • Three or more years of related, similar experience or tenure in the Consumer Lending Compliance area. • Extensive knowledge of the laws, regulations, and subjects applicable to consumer lending products and

services: • TILA, ECOA, FCRA, UDAAP, SCRA, E-Sign, Privacy, Identity Theft, Marketing, Fair Lending, etc. • Excellent knowledge of consumer lending products and services support structure. • Experience completing and/or review of Risk and Self Assessments. • JD or Paralegal Certificate is not required but candidate must have ability to research and analyze laws and

regulations. • Experience with testing transactions, disclosures, and websites.

OTHER REQUIREMENTS:

Integrity, ability to work independently, and strong problem solving skills. Exceptional collaboration skills and a desire to work as part of a high performance team. Strong verbal and written communication skills.

http://rosenthalrecruiting.com/


http://www.rosenthalrecruiting.com/


A friend of a friend of MTRG is looking for a Chief Compliance Officer in Parsippany, NJ A senior role implementing and overseeing securities compliance at a dually registered, retail focused, independent model broker dealer/ investment adviser located in northern NJ. Oversees compliance staff and reports directly to the Chief Legal Officer.

Primary Duties & Responsibilities:

• Must be familiar with FINRA and SEC rules and expectations regarding retail securities compliance to develop, implement, monitor and report on internal systems and processes including development of exception reports and other surveillance tools.

• Will oversee a small staff so needs to be able to manage others as well as roll up sleeves and engage directly in day-to-day compliance program.

• Must have experience managing FINRA, SEC and independent 3rd party examinations to manage production to examiners.

• Must be sufficiently versed in FINRA and SEC rules and expectations regarding retail securities compliance to serve as a resource to RRs/IARs, operations, supervisors and senior management regarding a wide range of time sensitive concerns. (Ongoing attendance at online and in- person industry training events is expected to enhance knowledge.)

• Must be capable of and comfortable being involved in training the financial advisors. • Must be able to draft and revise WSPs. • Must be comfortable in assessing and customizing new compliance technologies to adopt firmwide. • Must be a self starter, capable of operating with minimal direction (after being trained) and juggling multiple

tasks. • Ideally, has experience with some or all of the following:

o separately managed accounts o discretionary brokerage o variable annuities o mutual funds o 529s o other retail products o AML o FINRA customer communications rules including social media o Investment adviser code of ethics o Independent contractor BD firms. Qualifications:

BA/BS Degree (JD preferred), FINRA Series 7 and 24, Minimum 7-10 years' work experience in brokerage and investment advisory regulation with increasingly high level experience, Ability to serve as a change agent, High level of organizational skills and detail oriented, Ability to prioritize and multi-task, Must have ability to successfully communicate with senior management, financial advisors, assistants and firm personnel as well as regulatory agency personnel, Strong verbal and written communications skills (will be asked for writing samples during interview process), Experience in project management, Must provide salary history.

We are an “at-will,” equal opportunity employer. Send resumes to [email protected]


David Lerner Associates, Inc. (“DLA”) seeks to hire a Compliance/Registration Associate

reporting to the CCO.

Position is in Long Island, NY. Requirements/functions include the following:

• experience with CRD/FINRA registration filings and process including Forms U4/U5,

amendments, and 4530; • knowledge of broker dealer terms and functions; • Proficiency with Word, Excel, Microsoft and related systems; • Organized and detail-oriented individual • Administrative support to the CCO and Compliance team; • Includes recordkeeping, filing and copying;

Opportunity to learn Compliance functions. Relevant experience in a broker dealer. Environment is a plus. Send resumes in strict confidence by email only: [email protected]


Chief Compliance Officer – NY

Description A Registered Investment Advisor located in NY is seeking a Chief Compliance Officer. The CCO must understands the latest guidance and trends, and can manage and adapt rapidly to change. The CCO is expected to:

• Have firsthand knowledge of applicable laws and regulations including relevant exceptive orders • Develop a deep understanding of the firm and its operations, products, clients, and structure • Play the lead role in regulatory audits • Proactively review marketing and social media content • Identify conflicts of interest and how they are reported and resolved • Understand the firm’s compliance and technology platforms • Have a detailed knowledge of the firms’ policies and procedures and how they are applied and monitored • Have an understanding of the markets in which the firm operates • Have an appreciation for what s/he does not know and how to fill those subject matter and competency

gaps • Confront difficult issues and challenge others when necessary, with strong negotiating and conflict

resolution skills, diplomacy and tact • Clearly and effectively communicate and escalate issues to management.

Requirements: • Prior policy and compliance experience with an RIA, including at least 5 years supporting a compliance

program that includes Investment Advisor Act requirements • Experience building and implementing risk-based compliance testing and monitoring programs • Fluent in all SEC-registered investment advisor issues, including the Investment Advisors Act of 1940,

Securities Act of 1933, and the ability to apply that knowledge strategically in light of changing regulation and business initiatives

• Proven track record of identifying, solving, and preventing compliance issues • Outstanding written and oral communication skills, with demonstrated ability to think analytically and

strategically to solve problems and implement solutions • Outstanding organizational skills, including prioritizing and follow-up

To apply submit all resumes and salary requirements to [email protected]

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