Ryan Labriola is a Senior Analyst with Treliant.
While at Treliant, Ryan has assisted in the Regulatory Compliance service area, working on several risk assessments for institutions of various sizes. He has provided data and project management skills, as well as a robust knowledge of the risk assessment process and modeling, on consumer compliance-focused risk assessments for two Top 60 U.S. banks. He has done similar work for a regional bank, on risk assessments specific to fair lending and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). Additionally, Ryan has assisted a regional bank in implementing a formal first-line-of-defense program, which included creating control testing schedules for the lines of business, inventorying first-line controls, and reviewing policies and procedures. He also assisted a Top 40 U.S. bank in maintaining compliance with the Home Mortgage Disclosure Act (HMDA), Fair Credit Reporting Act (FCRA), and Equal Credit Opportunity Act (ECOA) by managing and conducting HMDA data reviews, adverse action notification compliance reviews, loan origination system error remediation, and consumer credit dispute reviews.
In Treliant’s Litigation Support service area, Ryan has assisted with major cases involving some of the top law firms and mortgage originators in the country. He has participated in large-scale mortgage file reviews as part of the litigation surrounding Residential Mortgage-Backed Securities (RMBS). This involved performing tasks such as re-underwriting, analyzing plaintiff findings, and publishing loan-level affirmative re-underwriting results.
In Treliant’s Mortgage Operations and Compliance service area, Ryan has provided subject-matter and data management skills in several loss mitigation file reviews for major mortgage servicers aiming to remediate potential non-compliance with the Real Estate Settlement Procedures Act (RESPA)—specifically, 12 CFR 1024.41. He has also worked on a market valuation survey, in which he aggregated appraisal pricing data from several Appraisal Management Companies (AMCs) to ensure a client was within market range.
Prior to joining Treliant, Ryan served as an intern with the Department of Commerce’s International Trade Administration. In this position, he assisted U.S. embassies in distributing economic data through the Country Commercial Guides, which are in-depth market reports designed for American businesses. He worked with trade experts to assist small- to medium-sized export-ready businesses in understanding the rules and regulations in free trade agreements.
Ryan holds a BA in Economics and Political Science from American University.