Joseph Urso

Substantive Bank Regulation

• Provide advice on multiple federal and state regulatory schemes, including the Bank Holding Company Act, the International Banking Act, the Federal Reserve Act, Federal Reserve Regulations D, H, K, O, W, Y, and YY, as well as FDIC, OCC, and NYSDFS rules.

Regulatory Engagement

• Draft and submit confidential applications to the Federal Reserve and FDIC, and generally oversee and lead junior staff in other bank departments during the process of gathering materials for applications. Correspond with our regulators regarding such applications.
• Draft applications to state banking regulators concerning office openings.
• Draft applications to state regulators for authority to do business.
• Draft letter application to state reguaators for permission to use certain words in its name.
• Draft letter applications regarding the ability for a bank to use its debt previously contracted authority to hold equity.

Other Key Topics

• Responsible lawyer regarding advice on confidential supervisory information, including an analysis of the classification of materials and drafting of letters to the bank's regulators for permission to disclose such information.
• Provide advice to the bank's community development finance group regarding applicable CRA laws and regulations.
• Handle bank regulatory approvals for new products, including bank regulatory analysis of permissible investments under the BHCA and Regulations Y and K.
• Work with the bank's corporate secretary staff regarding bylaws updates, committee charter changes, and bank licenses across the United States.
• Lead counsel for the bank's regional offices, including serving on the management council of the bank's Florida International Administrative Offices.

Senior Stakeholder Engagement

• Counsel for the bank's OCC chartered entities boards of directors and senior executive officers.
• Serve as a legal representative and handle questions from the New York chartered bank's Board of Directors at Audit and Fiduciary Committee, Risk Committee, and Nominating and Governance Committee meetings.

Project Management

• Manage bank-wide review its legal regional office operations and licensing structure which includes cooperation across functions such as compliance, risk, the business, and management of outside counsel.
• Manage outside counsel regarding the corporate conversion of internal entity.
• Participate in and oversee consulting firm review of over a thousand bank positions for compliance with the Volcker Rule.

Presentations

• Prepare materials and present on U.S. banking laws and regulations to legal and infrastructure colleagues globally.
• Prepare novel materials on how risk management and strategic analysis in backgammon provides insight into how to be a better risk manager and strategic thinker as an attorney at the bank.
• Prepare and present trainings to new hires regarding the structure of the bank and its operations.

Leadership and Culture

• Served as Chair of the legal department's Quality of Life Council and am a member of the Americas People Strategy group.
• Oversee and coordinate the legal's department's program of hiring attorneys directly from law school.
• Oversee new junior hire development and supervise new junior hires.
• Review resumes and interview candidates for the legal department's intern program for current law students.
• Serve as an attorney supervisor for legal interns.
• Coordinate pro bono events for the legal department.

Appendix

• Seconded from Axiom Legal to Deutsche Bank in March 2015. Offered Vice President and Counsel position in October 2015.

• Advised an international banking organization on its compliance requirements with regard to CFPB and other consumer regulations.
• Assisted a large domestic bank on compliance with the Volcker Rule by reviewing the bank's fund activity for conformance with the rule.

• Advised foreign governments and international corporations on compliance with the Foreign Account Tax Compliance Act ("FATCA").
• Conducted a presentation on FATCA to over 200 legal and compliance professionals at a seminar organized by the Central Bank of the United Arab Emirates.
• Advised international corporations on the Congressional lawmaking process as it pertained to tax and financial services.
• Assisted in drafting a comment letter on the Volcker Rule for an industry association.