Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Erin Piwtorak

Greer

Summary

Dynamic Senior Vice President with extensive experience at TD Bank, excelling in regulatory compliance and risk management. Proven track record in leading complex remediation projects, enhancing operational excellence, and developing diverse talent. Adept at legal interpretation and effective communication, driving impactful solutions across consumer banking operations.

Overview

21
21
years of professional experience
1
1
Certification

Work History

Head of Consumer Eagle Regulatory Remediation, Senior Vice President

TD Bank
Greenville
09.2024 - Current
  • Lead Consumer Bank's remediation efforts for major/material regulatory remediation/compliance efforts (Non-AML)
  • Scope includes any new regulations that are being launched by the OCC, CFBP, FED, etc. including but not limited to SB 1071, FDIC 370, CFPB 1033/1034, Credit Card Late Fees, etc.
  • Owns Consumer Bank Regulatory Remediation planning, Eagle Intake/Scope process for new regulatory items and requirements development for remediations
  • Partners closely with Eagle Project office to ensure that these items are funded and/or that Consumer Bank has the Consumer specific requirements in scope for a broader project
  • Coordinates with Consumer Product and Distribution teams as well as with 2nd Lines of Defense/Legal to scope the regulator's guidance and understand what the requirements and structure of the work should be
  • Works closely with Consumer Vertical Delivery teams to hand off requirements, scope and approach for solution/build and stays close to the Vertical teams as the execution phase gets underway
  • Ensures Consumer Bank looks across business lines and processes to identify holistic solutions, where appropriate, to solve remediation needs
  • Enhances AMCB Consumer business governance and controls infrastructure and drive consistency in how TD responds to regulators when issues arise
  • Partners closely with Audit to ensure that there is a clear path to validate the work well ahead of any required delivery dates
  • Works across Consumer Business Excellence Team to ensure understanding of the impacts of the work on Cost, Customer and Controls
  • Provides people management leadership by hiring the best and most diverse talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required

Senior Compliance Group Manager – AMCB Compliance, TDAF & Shared Services, Vice President

TD Bank
Greenville
04.2022 - 09.2024
  • Oversee assigned compliance functions for the Company and support the development, implementation and maintenance of a regulatory compliance program through compliance activities across various lines of business, banking offices and operating departments.
  • Partner with Legal on interpreting laws and regulations related to loan servicing, collections and recovery.
  • Serve as Compliance owner or resource on projects involving most critical and complex laws and regulations that have a significant impact on the operations or strategy of the Company.
  • Oversee the development of internal processes to identify and manage compliance risks.
  • Oversee the testing and implementation of new department databases and major database enhancements.
  • Oversee the resolution of compliance-related problems encountered by various areas of the Company as related to the most critical laws and regulations.
  • Interact with senior management in Shared Services, TDAF, Collections and Recovery developing, revising and implementing policies and procedures to ensure compliance with applicable laws and regulations.
  • Appoints designee to bank acquisition due diligence efforts.
  • Oversees the development of staff to support departmental succession planning.

Default Servicing Legal Manager, Assistant Vice President

Flagstar Bank
Greenville
02.2021 - 04.2022
  • Actively manage default legal cases, including all phases of contested/litigated default matters with default legal counsel. Effectively manage settlements within range of authority.
  • Manage team of corporate witnesses responsible for attendance and preparation for all trials, hearings, settlement conferences and depositions, including all written discovery.
  • Responsible for content management of breach letter notices, state foreclosure notices and foreclosure affidavits, including ongoing compliance and change management.
  • Maintain knowledge of regulatory requirements, investor/insurer guidelines and other relevant foreclosure timeframes.
  • Reinforce culture of shared ownership and accountability for results.
  • Collaborate with other default servicing teams, and other internal teams, to assist in the continued development of a best-in-class default servicing oversight operation.
  • Ensure compliance with applicable federal, state and local laws and regulations.

Special Loans Manager, Vice President

Truist Bank
Greenville
12.2019 - 01.2021
  • Operational head of the Mortgage Servicing Special Loans Department. Managed three (3) managers, total department of thirty-six (36) teammates and over twenty (20) processes.
  • Departmental processes include compliance with the Real Estate Settlement Procedures Act (Regulation X); the Truth in Lending Act (Regulation Z) and the Servicemembers Civil Relief Act (SCRA).
  • Evaluate overall risk and provide recommendations to mortgage leadership.
  • Manage resources and ensure operational efficiency, work with analysts to develop reporting to ensure compliance with investor and regulatory standards.
  • Develop an overall project plan to develop mortgage servicing processes in anticipation of the retirement of the LIBOR index and transition to SOFR index.
  • Develop an overall project plan to develop Truist processes in anticipation of client day one. This includes working with Bank technology partners, other lines of business within mortgage, the correspondence team, legal and compliance.

Mortgage Litigation Manager, Vice President

Branch Banking & Trust now Truist
Greenville
05.2018 - 12.2019
  • Worked with Non-Performing and Performing Lines of Business to transition all litigated items impacting mortgage loans to Litigation team.
  • Worked with Foreclosure Manager and ML Default Manager on aged files and cases that require large expenditures to ensure all costs are monitored and detailed information is available for cost budgeting.
  • Expanded the scope of the Mortgage Litigation Team to include the management of both performing and non-performing threats to collateral.
  • Managed legal risk for the Bank by engaging outside counsel when needed to protect lien position, collateral value and mortgage integrity.
  • Managed a team of corporate witnesses who were charged with attending mediations, trials, depositions, hearings and any other mortgage related matter which requires a witness as well as execute legal documents (i.e., affidavits, verified complaints, deeds and assignments) needed during the lifecycle of a foreclosure.
  • Act as a corporate witness in circumstances when all other witnesses were unavailable or a complex legal matter required my attendance.

Senior Compliance Risk Manager, Assistant Vice President

Branch Banking & Trust now Truist
Greenville
06.2016 - 04.2018
  • Conducted monthly, quarterly and annual monitoring related to consumer mortgage servicing regulations (i.e, RESPA, TILA, FCRA, SCRA and FDCPA).
  • Assisted the First Line of Defense in their attempts to enhance their First Line Compliance Monitoring Programs. Provided appropriate level of oversight, expertise and consultative support and assistance.
  • Participated and provided input to Line of Business when and where compliance laws, rules and/or regulations are impacted through new project initiatives.
  • Enhanced regulatory knowledge within the Line of Business by sharing resources and participating and consulting in Line of Business meetings and discussions as appropriate.
  • Supported the Compliance examination process as needed. This may include establishing and following an action plan for securing information needed from the Compliance team and providing it to Compliance exam liaisons in the requested manner, helping Compliance exam liaisons to address onsite examination requests in a timely manner, and supporting the Compliance exam liaisons as they have requests for additional information or assistance.
  • Participant in the 2016 CFPB Amended Mortgage Servicing Rules special project to assist the Enterprise with assessing regulatory impacts and to develop new processes relative to those impacts. Worked with the second line monitoring group to determine how current monitoring would be impacted and advise as to any needed changes to such monitoring.

Director of Bankruptcy

Shellpoint Mortgage Servicing
Greenville
03.2014 - 05.2016
  • Operational head of a team of bankruptcy case managers.
  • Evaluated overall risk and provide recommendations to executive management and company partners.
  • Managed resources to ensure operational efficiency and work with analysts to develop exception reporting and productivity tracking.
  • Kept abreast of FNMA/FHLMC, FHA/HUD, GNMA, CFPB, SCRA, and private investor servicing standards.
  • Developed best practices to ensure compliance with state and federal mortgage servicing regulations and various client requirements.
  • Met with potential and existing clients to discuss industry trends and determine ways to maximize results while borrowers are in bankruptcy, particularly chapter 13 reorganizations.
  • Implementation of a complete department reorganization.
  • Development of department curriculum and conduct training seminars for non-bankruptcy associates.

Associate Attorney

Lerner, Sampson & Rothfuss
Cincinnati
06.2006 - 08.2013
  • Attended trials, case management conferences and various other hearings in state court and federal bankruptcy court.
  • Managed a team of paralegals.
  • Practice focused on creditors rights, specifically foreclosure, bankruptcy, and REO/title litigation for clients such as Fannie Mae, Freddie Mac, Wells Fargo, JPMorgan Chase, CitiMortgage, and Bank of America.
  • Met with clients to discuss statutory and regulatory changes, discuss possible risk and made recommendations for policy and procedure revisions to ensure compliance.

Associate Attorney

Coley & Associates Co., LPA
West Chester
05.2005 - 11.2005
  • Attended case management conferences and various other hearings.
  • Drafted numerous pleadings and motions including default judgment motions, summary judgment motions, complaints, answers, interrogatories, request for production of documents and requests for admissions.
  • Conducted research on a variety of topics including contract/UCC law, choice of law issues, malicious prosecution, unjust enrichment, conversion and forum selection clause issues.
  • Spoke regularly with clients and managed the office when the senior attorneys were out of the office.

In-House Counsel

Quik Tax
Mason
11.2004 - 05.2005
  • Handled all legal issues with regards to personnel, i.e., hiring, firing, subcontractor issues and employment contracts.
  • Maintained and updated all necessary paperwork for the check cashing and payday lending business with the State of Ohio.
  • Conducted training seminars for the new tax preparers and employees of the check cashing and payday lending business.

Education

Juris Doctor -

The Catholic University of America, Columbus School of Law
Washington, DC
01.2003

Bachelor of Arts - Political Science and History (Double Major)

Indiana University
Bloomington, Indiana
01.2000

Skills

  • Regulatory compliance
  • Risk management
  • Project management
  • Financial analysis
  • Legal interpretation
  • Policy development
  • Team leadership
  • Effective communication
  • Change management
  • Talent development
  • Operational excellence
  • Corporate presentations
  • Process improvements
  • KPI tracking
  • Operations oversight
  • Executive-level support
  • Operational management

Certification

  • Ohio, Bar Admission, 01/01/03
  • United States District Court for the Northern District of Ohio, 01/01/09
  • United States District Court for the Southern District of Ohio, 01/01/09

Timeline

Head of Consumer Eagle Regulatory Remediation, Senior Vice President

TD Bank
09.2024 - Current

Senior Compliance Group Manager – AMCB Compliance, TDAF & Shared Services, Vice President

TD Bank
04.2022 - 09.2024

Default Servicing Legal Manager, Assistant Vice President

Flagstar Bank
02.2021 - 04.2022

Special Loans Manager, Vice President

Truist Bank
12.2019 - 01.2021

Mortgage Litigation Manager, Vice President

Branch Banking & Trust now Truist
05.2018 - 12.2019

Senior Compliance Risk Manager, Assistant Vice President

Branch Banking & Trust now Truist
06.2016 - 04.2018

Director of Bankruptcy

Shellpoint Mortgage Servicing
03.2014 - 05.2016

Associate Attorney

Lerner, Sampson & Rothfuss
06.2006 - 08.2013

Associate Attorney

Coley & Associates Co., LPA
05.2005 - 11.2005

In-House Counsel

Quik Tax
11.2004 - 05.2005

Juris Doctor -

The Catholic University of America, Columbus School of Law

Bachelor of Arts - Political Science and History (Double Major)

Indiana University

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