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Daniel Johnson is Managing Director of Fair and Responsible Banking at Treliant. He is an experienced compliance and data science professional with comprehensive financial services experience in regulatory compliance, risk management, internal audit, fair lending, statistical analysis, operations management, enterprise program administration, and compliance training. Daniel has notably innovated in the field of fair lending research, specifically in the areas of predictive data analytics, artificial intelligence, machine learning, statistical modeling, and data mining. He has a wide range of divisional compliance risk experience including mergers and acquisitions, capital markets, mortgage securitization, traditional banking, commercial banking, mortgage originations, mortgage servicing, trust, and private banking.

Prior to joining Treliant, Daniel was Director of Fair Lending for the Federal Home Loan Mortgage Corporation (commonly known as Freddie Mac), a publicly traded, government-sponsored enterprise with over $3 trillion in assets under management. In this role he established and maintained compliance risk management related to fair lending, including oversight of third parties such as sellers and servicers. His role spanned across Freddie Mac’s three operating divisions—Single-Family, Multi-Family, and Investments & Capital Markets—among others.

Prior to joining Freddie Mac, Daniel was a Director of Fair Lending, Regulatory Compliance, and Internal Audit practices at a leading regulatory compliance consulting firm. In this role, Daniel directed client engagements for financial institutions ranging from $500 million to over $200 billion in assets and leveraged the use of statistical analysis and research for representative engagements with mortgage companies, mortgage servicers, banks, and credit unions. Additionally, he has held numerous senior management roles in fair and responsible bank compliance at leading mid-size and large banks in the United States. His regulatory affairs experience includes the Federal Housing Finance Agency (FHFA), National Credit Union Administration (NCUA), Consumer Financial Protection Bureau (CFPB), Office of the Comptroller of Currency (OCC), Federal Reserve Bank (FRB), Federal Deposit Insurance Corporation (FDIC), Federal Trade Commission (FTC), and Department of Justice (DOJ).

Daniel has a BBA with legal studies specialization from the University of Central Oklahoma, and an MBA with a data analytics specialization from Southeastern Oklahoma State University (graduation April 2023). Additionally, he is certified in Google Analytics and holds numerous statistics and data science credentials.

Daniel has been an active volunteer and participant in industry trade associations including serving as a committee member of the Community Bankers Association (CBA), a fair lending and UDAAP working group member of the American Bankers Association (ABA), and a compliance working group member of the Mid-Size Bank Coalition of America (MBCA). He has presented at numerous trade organizations and industry thought-leadership conferences, including the annual CRA and Fair Lending Colloquium, California Mortgage Bankers Association (CMBA), Conference on Consumer Finance Law (CCFL), and Oklahoma Bankers Association (OBA). Additionally, Daniel is a published author with the ABA in the area of fair lending compliance risk management.

Areas of Specialization

  • Commercial Banking
  • Community Reinvestment Act (CRA)
  • Compliance Audits
  • Compliance Programs
  • Conduct Risk
  • Consumer Laws / Regulations
  • Corporate Governance
  • Credit Card / Payments
  • Credit Risk (Business)
  • Credit Risk (Consumer)
  • Data Privacy
  • Data Risk Management / Data Science
  • Due Diligence
  • Ethics Programs
  • Fair Lending
  • FinTech Compliance
  • Home Mortgage Disclosure Act (HMDA)
  • Model Validation
  • Mortgage Law / Regulations
  • Mortgage Originations and Servicing
  • Operational Risk
  • Regulatory Exam / Management
  • Regulatory Relations
  • Remediation Plans / Implementation and Effectiveness Testing
  • Retail Sales Incentive Practices
  • Risk Assessments
  • Third-Party Risk Mitigation
  • Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Readiness