Erinn Wolfe
Sharpsville,Pennsylvania
Summary
Experienced legal professional specializing in regulatory compliance and consumer protection for financial institutions. Proven ability in legal interpretation and resolving complaints, effectively supporting product development and marketing efforts. Expertise in managing complex regulations and building strong interdepartmental relationships to achieve organizational goals.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Associate General Counsel, Director
Jenius Bank
05.2022 - Current
- Played key role in launching digital bank, facilitating development of personal loan and savings account products from inception.
- Conducted 50-state and federal reviews to identify applicable laws and regulations for products, assisting with implementation of compliance requirements.
- Provided legal advice for marketing materials regarding regulatory compliance, influencer endorsements, trademarks, CAN-SPAM, UDAAP, and disclosures.
- Revised loan and deposit account agreements, ensuring accuracy of disclosures and correspondence for applicants and customers.
- Guided and reviewed consumer complaints for the bank, addressing issues filed with regulators, state attorney general, and Better Business Bureau.
- Supported product development teams and back office with legal guidance, ensuring compliance in collaboration with third-party call center.
- Assisted with completion of risk impact assessments and development of process flow maps and controls to address identified risks.
- A division of SMBC MANUBANK
Corporate Counsel – Consumer Compliance, Vice President
First National of Pennsylvania
01.2009 - 04.2022
- Contributed to product development by providing legal and regulatory advice and guidance for new lending and checking products, services, and initiatives.
- Guided business leaders and compliance on regulatory exam reports and internal audits, identifying and addressing UDAAP and fair lending issues while interpreting Regulations B, E, and Z for compliance across lines of business.
- Monitored regulatory developments, advising business leaders and compliance on legal and regulatory changes to ensure adherence.
- Provided legal guidance and support to branches and back-office teams regarding customer issues and bank errors.
- Assisted in developing policies, procedures, and risk management strategies to enhance compliance framework.
- Provided legal and regulatory advice on matters involving privacy, such as the General Data Protection Regulation, Gramm Leach Bliley Act and Right to Financial Privacy Act.
- Assisted with the development of the bank’s website and marketing materials; reviews materials to ensure compliance with regulatory requirements and disclosures.
- Advised marketing and business units on requirements of TCPA and CAN-SPAM compliance.
- Analyzed consumer complaints filed with regulators to identify legal or regulatory issues, assisting with development of responses to address valid concerns.
- Performed legal review of vendor agreements and facility leases, provided revisions and negotiated legal terms with counsel and completed risk assessments.
- Drafted and reviewed Non-Disclosure Agreements.
- Provided legal guidance and support to the bank’s affiliates including its trust, insurance, wealth management and finance companies.
- Managed implementation of corporate reorganization decisions, provided legal and regulatory advice on project management processes, and identified risks in software implementation and vendor selection.
Education
Juris Doctorate -
Capital Law School
Columbus, OhioBachelor of Arts - English and Philosophy
Westminster College
New Wilmington, PASkills
- Regulatory compliance
- Complaint resolution
- Consumer protection
- Legal interpretation
- Legal research
- Effective communication
Certification
Maryland, Ohio, and Pennsylvania
Timeline
Associate General Counsel, Director
Jenius Bank
05.2022 - Current
Corporate Counsel – Consumer Compliance, Vice President
First National of Pennsylvania
01.2009 - 04.2022
Juris Doctorate -
Capital Law School
Bachelor of Arts - English and Philosophy
Westminster College