This profile summarizes the experience of a legal and compliance professional with over 15 years of experience ensuring organizations adhere to relevant regulations. He has held director level positions developing compliance programs and managing audits at a financial technology company. Prior experience includes legal work as an attorney, compliance analysis at large banks monitoring for financial crimes and suspicious activities, and compliance officer roles overseeing debt collection practices and government accounts. He has extensive skills in key areas of US financial regulation like the Dodd-Frank Act, Gramm-Leach-Bliley Act, and Bank Secrecy Act.

1. PROFILE
A dedicated legal and compliance professional astute at developing a culture of
compliance that encourages profits. Able to research and interpret federal
administrative and legislative requirements for financial institutions/third-party
lenders, and develop and implement business processes, and policies and
procedures in alignment with the same.
EXPERIENCE
Rate Genius, Inc. / Austin, Texas / May 2015 – August 2015
Director of Compliance
Managed Compliance and Controls with the objective of ensuring equal access to
credit for all consumers
 Managed and evaluated reporting that included the use of proxy
methodologies, and looked for instances of differential treatment and
disparate impact based on discriminatory factors under the Equal Credit
Opportunity Act (ECOA), or associated with the use of discretionary mark-
up policies by auto dealers
 Evaluated Alternative Compensation Structures for commissioned
employees
Managed SSAE16 Audit Preparation for Security Engagements with the objective
of providing evidence of internal compliance and controls tantamount to the
company’s risk threshold, while, at the same time, minimizing audit impact and
compliance costs, and reducing audit fatigue
 Ensured a controlled environment by managing business processes and
general IT controls—including infrastructure change management (asset
controls), monitoring and incident response, user provisioning and
physical security
 Managed controls by implementing reasonably acceptable privacy
principles concerning the use and storage of Sensitive Personal
Information (SPI)
Managed Controls to Ensure Compliance with the Gramm-Leach Bliley Act with
the objective of explaining information sharing practices and SPI safeguarding to
consumers
 Managed the development and deployment of privacy notices to
consumers
Managed Controls to Ensure Compliance with the Dodd-Frank Act with the
objective of eliminating Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
 Developed business processes that encouraged transparency in
advertising by ensuring advertising was not likely to mislead consumers’
reasonable interpretations under the circumstances
SKILLS
Consumer Financial
Protection Bureau (CFPB)
Complaint Resolution
Financial Crimes Enforcement
Network (FinCEN) Suspicious
Activity and Currency
Transaction Reporting
Office of Foreign Assets
Control (OFAC) Specially
Designated Nationals (SDN)
Checks
CONTACT
David S. Grantham
L e g a l a n d C o m p l i a n c e P r o f e s s i o n a lG
https://www.linkedin.com/in
/davidsgrantham
214.799.5882
davidsgrantham@grantham
lawgroup.com

2. EXPERIENCE CONTINUED
 Developed business processes that encouraged transparency in fee
assessment by ensuring vehicle service contract language was fair, and
any substantial injury to consumers reasonably avoidable
 Ensured company’s business practices did not materially interfere with the
ability of consumers to understand the terms or conditions of financial
products, or the material risks associated with the same
Grantham Law Group, PLLC / McKinney, Texas / 2013 – 2015
Attorney at Law
 Interviewed clients and deposed witnesses to ascertain factual
backgrounds and gather evidence
 Researched acts, codes and procedures, and drafted legal briefs and other
legal documents
 Represented clients in court by selecting jurors, presenting evidence,
questioning witnesses and opposing parties, and making legal arguments
Bank of America / Plano, Texas / 2013
Business Support Lead III
 Led projects that required functional knowledge of TRID (Truth in Lending
Act/Real Estate Settlement Procedures Act Integrated Disclosures),
Mortgage Backed Securities (MBS) and Government Sponsored
Enterprises (GSE)
JPMorgan Chase Bank / Irving, Texas / 2011 - 2013
Senior Business Analyst
 Responsible for ensuring compliance with FinCEN and the Bank Secrecy
Act (BSA), by monitoring and analyzing transactional data in order to
isolate questionable activity patterns and suspicious trends vis-à-vis high-
risk customers, geographic areas, products and/or services
Loss Mitigation Negotiator III
 Senior short sale negotiator responsible for negotiating short-sale offers
and deeds in lieu of foreclosure presented to the company via real estate
agents, attorneys, and other third parties
AT&T / Richardson, Texas / 2007 – 2010
Senior Government Security Compliance Officer
 Monitored call-center operations to ensure compliance with the FTC and
the FDCPA—as well as state debt collections laws
 Senior compliance officer for state and local government, K-12, higher
education, and medical (GEM) accounts responsible for training business
unit leaders and departmental personnel on regulatory compliance
matters and best practices
SKILLS
CONTINUED
SSAE16 Audit Preparation
USA Patriot Act Anti-Money
Laundering (AML) Monitoring
and Data Analysis
Federal Trade Commission (FTC)
Fair Debt Collection Practices Act
(FDCPA) Monitoring
Requests for Proposal
Vendor Management /
Monitoring and Regulatory
Contracting
EDUCATION
Doctor of Jurisprudence/Law
Southern Methodist University
Dallas, Texas
2006 – 2010
Bachelor of
Arts/Communication
The University of Texas at
Arlington
Arlington, Texas
2003 - 2005
David S. Grantham
L e g a l a n d C o m p l i a n c e P r o f e s s i o n a lG