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Professional Bio

Janet M. Hale, CRCM
Senior Director
Janet Hale, Senior Director with Treliant, is a seasoned executive with regulatory compliance experience in both the public and private sectors. Janet advises on the consumer-focused areas of risk, including mortgage origination and servicing, fair lending, Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), the Servicemember Civil Relief Act (SCRA), and Flood Disaster Protection Act (FDPA). She has compliance experience in enterprise risk management, regulatory exam supervision, regulatory change execution, third-party risk management, and complaint review and trending analysis. 

Most recently, Janet led an engagement supporting a large financial institution with the successful implementation of the TILA-RESPA Integrated Disclosures (TRID) rule. The engagement encompassed compliance guidance regarding the application of a new loan origination system, as well as oversight of testing protocols including a testing plan and scripts. Janet also participated in several fair lending reviews, providing redlining analyses and documentation subsequently submitted in support of effective and comprehensive fair lending risk management systems, resulting in positive fair lending regulatory examinations.

Prior to joining Treliant, Janet held senior leadership positions with KeyBank, including Vice President, Compliance and Operational Risk Manager for the bank’s Consumer Banking Division, as well as Senior Compliance and Community Reinvestment Act (CRA) Manager for a KeyBank affiliate. At KeyBank, she directed the compliance functions supporting consumer lending, credit cards, mortgage origination and servicing, collections, deposits, product development, and marketing. She also participated on KeyBank’s Compliance Risk Committee and Fair Lending Committee, and she chaired the bank’s Flood Governance Committee. Janet began her 20 year career as an Examiner with the Office of the Comptroller of the Currency (OCC) participating in safety and soundness as well as compliance examinations. Following her time with the OCC, she worked in the Treasury Department of a large regional financial institution. She later joined a well-established legal firm to launch a compliance consulting practice. 
 
Janet holds an MBA from John Carroll University and a BSBA in Finance from Miami University. She is also a Certified Regulatory Compliance Manager (CRCM).


Areas of Specialization
News and Articles
Events
Community Reinvestment Act (CRA)
Compliance
Compliance Program Development
Corporate Governance
Fair Lending
Home Mortgage Disclosure Act (HMDA)
Mortgage Operations and Compliance Advisory
Mortgage Origination and Servicing
Regulatory Exams
Regulatory Relations
Remediation
Retail Sales Incentive Practices
Risk and Strategy
Strategic Planning
Strengthening the Compliance Program
Third-Party Risk
TILA-RESPA Integration Disclosure (TRID) Compliance
UDAAP Readiness