Karin Lockovitch, a Treliant Senior Managing Director, , is a 25-year banking and financial services executive. At Treliant, she leads the Regulatory Compliance, Mortgage, and Operations Solutions practice, providing clients with valuable, applicable, and innovative solutions and support for their regulatory and risk management needs.
Prior to joining Treliant, Karin consulted for banks, non-bank lenders and insurance providers, fintechs, and de-novo bank/banks-in-formation, where she advised on the design, build, and maturity of enterprise risk and compliance programs, advised on and led bank charter application and bank acquisition strategies, led an extensive project to evaluate the evolution and opportunities of the Utah banking and fintech industries, and served as a fractional Chief Compliance or Chief Risk Officer. Prior to consulting, Karin was Executive Vice President and Chief Compliance Officer for Bank of the West, and before that, held the same position for Zions Bancorporation. Karin was also Senior Vice President and Chief Compliance Officer for SunTrust’s (now Truist) Consumer and Small Business division. And in prior roles, she was Director of Compliance Risk Management for Ally Bank and Chief Credit Officer for Lehman Brothers Commercial Bank and American Express Centurion Bank.
Karin brings deep expertise and experience in designing, building, and managing effective enterprise risk and compliance frameworks that include corporate and board governance, process, risk and internal control mapping and risk assessment, quality monitoring, testing and internal audit, issue management and remediation, change management, implementation of the line-of-defense model, third-party risk management, regulatory exam management, management and board reporting, customer complaint management, employee conduct, ethics and hotline, fair lending testing and analysis, reporting under the Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA), redlining analyses and needs assessments, community reinvestment program design, business continuity and disaster recovery, and model validation, . She is skilled at understanding the needs, priorities, risk profile, and readiness of an organization, and able to tailor the appropriate prioritization and design of these programs accordingly.
Karin brings to Treliant deep experience working with all U.S. regulatory agencies, having experienced many significant regulatory changes and events through her career, including leading the implementation of notable regulatory changes and the remediation of major enforcement actions. She has demonstrated success in developing and fostering positive and effective engagement and coordination with regulators.
Karin holds an MBA from the University of Utah and a BA from the University of Massachusetts. She is a Certified Regulatory Compliance Manager (CRCM), Certified Treasury Professional (CTP), Certified Anti-Money Laundering Specialist (CAMS) and Certified Internal Auditor (CIA).