Janet Hale, Managing Director with Treliant, is a seasoned executive with operational risk and regulatory compliance experience in both the public and private sectors. She advises on the implementation of effective compliance management systems, internal control processes, and compliance audit. Her subject matter expertise includes consumer loan and mortgage origination and servicing, fair lending, consumer leasing, Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), the Servicemember Civil Relief Act (SCRA), and the Flood Disaster Protection Act (FDPA). She has extensive compliance and operational experience in enterprise risk management, regulatory exam supervision, regulatory change execution, third-party risk management, and complaint review and trending analysis. Janet has been a speaker on several regulatory topics including FDPA, UDAAP, risk assessment processes, and regulatory examination preparation practices.
Most recently, Janet assembled and led concurrent teams from 50 to 350 professionals implementing large-scale remediation efforts affecting lending and deposit practices, reportable to the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC). Additionally, she led efforts ensuring compliant banking platform software for an international financial technology firm. She has headed expert teams devoted to TILA-RESPA Integrated Disclosures (TRID) rule implementation and testing, agile implementation of loan origination systems, mortgage servicing transfers, new Home Mortgage Disclosure Act (HMDA) rule implementations, and regulatory examination preparedness, as well as FDPA and SCRA reviews.
Prior to joining Treliant, Janet held senior risk leadership positions with KeyBank, including Vice President, Compliance and Operational Risk Manager, as well as Senior Compliance and Community Reinvestment Act (CRA) Manager. At KeyBank, she instituted the bank’s Governance Risk and Compliance (GRC) program and 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 corporation’s Flood Governance Committee. Janet began her 25+ 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 designated by the American Bankers Association as a Certified Regulatory Compliance Manager (CRCM) and Certified Enterprise Risk Professional (CERP). Additionally, Janet was previously recognized by the Institute of Management Accountants as a Certified Management Accountant (CMA non-practicing).
Areas of Specialization
- Community Reinvestment Act (CRA)
- Compliance Audits
- Compliance Programs
- Consumer Laws / Regulations
- Corporate Governance
- Credit Card / Payments
- Executive Leadership
- Fair Lending
- Home Mortgage Disclosure Act (HMDA)
- Mortgage Law / Regulations
- Mortgage Operations and Servicing
- Operational Risk
- Project Management
- Regulatory Exam / Management
- Regulatory Relations
- Remediation Plans / Implementation and Effectiveness Testing
- Retail Sales Incentive Practices
- Risk Assessments
- Strategy / Strategic Planning
- Third-Party Risk Mitigation
- TILA-RESPA Integrated Disclosure (TRID) Compliance
- Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Readiness