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Tim Stokes is a Director at Treliant with 20 years of experience in the financial services industry. He specializes in building and optimizing comprehensive compliance management programs for financial institutions of varying sizes. His extensive regulatory knowledge covers both bank consumer lending and deposit regulations. Areas of expertise include risk assessment and mitigation; fair lending; Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), consumer complaint management, the Servicemembers Civil Relief Act (SCRA), and the Bank Secrecy Act and Anti-Money Laundering (BSA/AML).

At Treliant, Tim has served in key interim roles including Fair Lending Officer and Chief Compliance Officer.  He has advised large banks on fair lending and UDAAP risks, including conducting comprehensive fair lending and UDAAP risk assessments, reviewing and enhancing existing policies and procedures, fostering and improving cross-channel relationships, and leading work stream initiatives to improve second and third line processes. Prior to joining Treliant, Tim worked with large banks, community banks, and credit unions

He has built comprehensive compliance programs from the ground up, performed compliance and risk assessments of existing programs, conducted transaction testing, and developed or enhanced policies and procedures. Tim has worked primarily in the second line of defense, but also peripherally with the third line of defense in strategic planning, testing, and audit response and remediation planning and execution.  He held a position as Chief Compliance Officer for a community bank with $3.5 billion in assets, where he worked strategically and tactically to maintain and enhance the bank’s compliance program.

Additionally, Tim served as a Senior Regulatory Liaison with the Financial Crimes Enforcement Network (FinCEN), where he worked with the prudential regulatory agencies to assist with identifying and resolving BSA/AML related issues occurring at financial institutions under their purview. He was also instrumental in the BSA e-filing initiative and the rollout of the new FinCEN Suspicious Activity Reporting (SAR) and Currency Transaction Reporting (CTR) forms, including co-presenting the two FinCEN webinars regarding their proper use and completion.

Tim holds a BS in Psychology from the University of Houston. He is also a Certified Regulatory Compliance Manager (CRCM).

Areas of Specialization

  • Bank Management
  • Compliance Audits
  • Compliance Programs
  • Consumer Laws / Regulations
  • Corporate Governance
  • Due Diligence
  • Fair Lending
  • Operational Risk
  • Project Management
  • Regulatory Exam / Management
  • Regulatory Relations
  • Remediation Plans / Implementation and Effectiveness Testing
  • Risk Assessments
  • Third-Party Risk Mitigation
  • Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Readiness