Alexander Owings

About Alexander Owings

I am a lawyer working in consumer banking compliance, generally regarded in the industry as the fun side of banking. Before coming to work in the banking industry, I spent about five years as a class action litigator (among several other areas of practice), learning about banking laws and regulations in the crucible of the federal courts. Ultimately, I decided that my life\'s mission was to find my passion and build something good, not spend all my time suing folks for allegedly doing bad. My passions are finance, energy and transportation, and information technology, and I have 8 years of education in international business and development. I am a financial and federal law expert with a unique perspective on business needs. My experience as a consumer protection litigator in complex financial class actions gives me insight into customer needs that a typical \"big law\" alum can\'t provide. On the one hand, I know everything about consumer sales and finance law from UDAAP and TILA to the complexities of Reg A+ IPOs lite. I serve as a trusted adviser to my client, providing detailed counsel that grasps both the law and the business operations necessary to serve our customers. This combination - knowledge of the law, understanding of the customer - gives me cross-functional utility as both a legal expert and strategist to grow our business.

Experience

1. Managing Counsel, Director of Compliance

   Credible

   Jan 2022 — Present · Durham, NC, US

   Oversee a team of compliance managers developing a world class compliance program, and influence our management team to achieve key compliance objectives. Direct responsibilities include:*AML Officer*Privacy Compliance, Co-Chair of the Privacy and Security Committee*Communications with regulators in connection with regular examinations*Mortgage LOS design*Complaint Management System design*Record retention program*Coordinating activities of the Compliance Team with Legal, Security, and Financial guidance, and business unit stakeholders*Executing on compliance objectives in matrixed organizational structure*Creation of Risk Committee*Mortgage compliance*Safeguards Rule*Compliance initiatives for affiliate acquisitionAreas of Secondary Responsibility*Advertising guidance implementation including TILA, UDAAP, FTC Act, MAP Rule*IP PortfolioIndirect/Senior Leadership Responsibilities*Policy, Advisory, and Training Functions*Monitoring and testing program*Licensing and Regulatory Affairs, including periodic reporting and regular examinations

Education

• Tulane University Law School

  J.D., Law, International and Comparative Law, Environmental Law

  2006 — 2010

• Georgetown University

  BS Foreign Service, Science, Technology and International Affairs, Muslim-Christian Understanding

  2002 — 2006

• Tulane University - A.B. Freeman School of Business

  MBA, Finance, International Business

  2008 — 2010

Skills

• Corporate Law
• Westlaw
• Commercial Litigation
• Transactional Law
• Contract Negotiation
• Start-Ups
• Legal Writing
• Litigation
• Legal Assistance
• Employment Law
• Class Actions
• Financial Transactions
• Civil Litigation
• Research
• Courts
• Mediation
• Business Transactions
• Real Estate Transactions
• Employment Contracts
• Legal Research
• Personal Injury
• Appeals