Margo Anderson

About Margo Anderson

PROFESSIONAL SUMMARYSenior compliance and risk leader with 15+ years across federal supervision (OCC) and Big Four advisory (PwC, EY). Extensive experience with banks with of $1-3 trillion in assets. Expert in consumer & prudential compliance, internal audit/second line oversight, and credit and deposit products (credit cards, checking/savings, buynow/paylater, mortgage, auto, and small business). Proven record designing and executing testing & monitoring, issuing and validating MRAs, and enforcement actions in partnership with Legal/Enforcement. Former regulator who anticipates supervisory priorities, delivers credible challenge, and drives durable remediation. Currently completing a data analytics course to deepen visualization and risk-indicator reporting.IDEAL JOBSDirector / Executive Director roles in Compliance, Internal Audit, or Enterprise Risk with ownership of product compliance (cards, deposits, lending), testing/monitoring, prudential regulations or regulatory exam management. Seeking full-time in-person, hybrid, or remote roles in New York (open to national remote).IDEAL COMPANIESFintechs, financial institutions (including card issuers), credit unions, and tech firms committed to consumer-centric compliance and data-driven risk oversight.ACCOMPLISHMENTS-Directed FHA review that led to civil money penalties and enterprise remediation at large institution-Owned end-to-end MRA lifecycle (issuance, tracking, validation) across deposits, cards, mortgage/auto, and small business—driving sustainable control improvements-Built and refined testing & monitoring methodologies for UDAAP, SCRA, CMS, vendor/third-party risk, and consent orders—now used across supervisory teams-Advised CEOs/CROs and coordinated with FRB/FDIC to align supervisory strategies; briefed OCC -Contributed to the Credit Semi-Annual Risk Perspective-Trained 80+ professionals (Dodd-Frank mortgage rules) and led examiner teams; recognized for developing talent and raising execution quality.SKILLSRegulatory Compliance • Consumer/Prudential Compliance • Credit Risk Management • UDAAP • Fair Lending (ECOA/HMDA) • TILA/Reg Z • FCRA • SCRA/MLA • Compliance Management Systems (CMS) • Testing & Monitoring • Issue Management & Remediation (MRAs) • New Product Process • Regulatory Relations & Exams • Second Line of Defense • Internal Audit • Risk Assessment & Governance • Third-Party/Vendor Risk • Servicing Operations (Cards, Deposits, Lending) • Cross-Functional Leadership • Executive Communication • Data Analytics & Visualization (coursework in progress)

Experience

1. Audit Director- Consumer Compliance

   American Express

   Jan 2026 — Present · New York, NY, US

Education

• Boston College Law School

  Juris Doctor

• Hamilton College

  Bachelor of Arts (B.A.)

Skills

• Financial Modeling
• Financial Analysis
• Cms
• Aml
• Coaching
• Database Management/Crm
• Analytical Skills
• Financial Risk
• Enterprise Risk Management
• Integrated Marketing
• Operational Risk Management
• Determining Compliance with Fair Lending Laws and Regulations
• Internal Audit
• Copy Writing
• Sap
• Due Diligence
• Determining Compliance with Community Reinvestment Act (Cra)
• Training
• Corporate Governance
• Operational Risk
• Auditing
• Banking
• Risk Management
• Creating and Providing Trainings
• Financial Services
• Analysis
• Management
• Project Management
• Mapinfo
• Assessing Compliance Management Programs
• Internal Controls
• Program Management
• Online Advertising
• In Design
• Marketing
• Copywriting
• Creative Skills
• Risk Assessment
• Digital Marketing
• Photoshop