KIMBERLY MORRIS HALL
MILLERSVILLE,MD
Summary
Accomplished and results-driven attorney with a proven track record of seamlessly integrating legal acumen with pragmatic business solutions. Possessing a robust background in financial services regulation, corporate law and governance and compliance, I have consistently demonstrated the ability to translate complex legal issues into actionable strategies that align with broader business objectives. My expertise lies in transactional law, developing and implementing comprehensive compliance programs, conducting risk assessments, and navigating intricate regulatory landscapes. I am adept at fostering a culture of compliance while contributing strategically to the organization's growth. I am diligent attorney with superior organization and attention to detail. Extensive knowledge of financial and labor laws with strong track record of maintaining professionalism and delivering high-quality, accurate legal guidance.
Overview
12
12
years of professional experience
Work History
Corporate Counsel
Strategic CS, LLC
09.2022 - 03.2024
- Legal partner supporting Human Resources, Technology, Sales, Marketing and M&A transactions
- Provided legal guidance to the business as a direct-to-consumer operations outsourcer
- Provide education to the business on CFPB regulation, FTC, UDAAP, FDCPA, debt collection and debt resolution, consumer fintech, data privacy, CCPA, lending and financial services regulation, employment, consumer litigation, Manage legal and regulatory compliance function with a focus on public policy / government affairs in emerging industry.
- Reviewed advertising materials for compliance with applicable laws to minimize risk exposure from false or misleading statements.
- Established effective communication channels between legal department and other business units for prompt resolution of matters.
- Advised executive team on corporate governance, ensuring compliance with regulatory requirements.
Corporate Counsel, Originations
Reverse Mortgage Funding, LLC
05.2021 - 09.2022
- Developed and maintained reverse mortgage originations initiatives, conduct legal research, prepare legal/compliance memoranda, and provide advice on legal and compliance requirements for all applicable consumer federal and state laws and regulations, including, but not limited to: ECOA, FCRA/FACTA, Fair Housing Act, FTC Act and Dodd-Frank Act's UDAAP, Flood Disaster Protection Laws, GLBA, HMDA, Homeowners Protection Act, RESPA, SCRA, TILA, FHA/HUD Home Equity Conversion Mortgage guidelines, licensing, disclosures, fees, powers of attorney, conservatorship/guardianship, trust, title, insurance, planned community covenants and restrictions, and other requirements or prohibited practices
- Track and interpret new and changing mortgage origination legal and compliance requirements and analyze their impact on existing practices and policies; draft and/or support revising policies and procedures accordingly
- Communicate change impact to business partners and work closely with business line and function managers and senior executives to implement any required mortgage originations legal and compliance changes
- Assist compliance and business partners in managing reverse mortgage originations compliance program and support reporting and maintenance of mortgage originations compliance program items within the Compliance Management System.
- Reviewed advertising materials for compliance with applicable laws to minimize risk exposure from false or misleading statements.
- Reduced litigation costs through effective mediation and alternative dispute resolution methods.
- Analyzed and drafted reports on ethical and financial practices and reported findings and discrepancies directly to CLO.
Grants Compliance Counsel
Charles Koch Institute
04.2019 - 08.2021
- Developed compliance management system for higher education and policy grant making
- Apply tax and non-profit compliance knowledge and conduct risk assessment on each organizational opportunity
- Ensure compliance with Expenditure Responsibility and tax reporting; including monitor metrics to confirm performance against efficiency goals
- Manage the Grant agreements-inclusive of drafting and negotiating complex multi-year funding contracts for member universities and colleges; inclusive of providing legal guidance on a variety of legal issues impacting the organization.
Legal Consultant (5 month Contract Engagement)
Wells Fargo Corporate Trust Center
10.2018 - 03.2019
- Review compliance of residential mortgage notes to bank approved Rating Agency
- Review and revise commercial contracts to include: Real estate investment contracts, Technology transactions to include: strategic alliances, joint ventures, software and systems (development and licensing), R&D and technology transfer, licensing - patent, trademark and copyright, Commercial property defeasance transactions, Collateralized debt obligation transactions, Securitization contracts (mortgage backed securities for secondary market investment).
Attorney and Licensing Manager
New Day Financial
12.2015 - 07.2018
- Ensure preparedness for state regulatory examinations and CFPB exams
- Provided guidance on regulatory matters; real estate property laws and mortgage banking provisions including but not limited to TRID, AML, Fair Credit Reporting Act, Gramm Leach Bliley Act, TRID, Equal Credit Opportunity Act, HOEPA and Consumer Financial Protection Bureau rules as well as state specific laws and regulations
- Drafting employment contracts, negotiating NDAs, general services contracts and sponsorship agreements
- Draft and negotiate real estate contracts and branch lease agreements for present and potential affiliated locations
- General review of hardware, software, cloud and service acquisition contracts, SaaS services, license agreement and IP agreements.
- Managed complex caseloads effectively by prioritizing tasks and keeping organized records of case materials.
Supervisor- Law Clerk Division
District Court of Maryland
04.2014 - 10.2015
- Serving 29 judges by conducting extensive research (using Westlaw Next) for each judge, drafting court documents on complex legal issues, provide guidance to judges on the current regulatory and legal authority (to be used in court proceedings)
- Preparing and coordinating the preparation of presentations and speeches to judicial council committee.
Contracts Consultant
Consumer Technology Association
09.2013 - 01.2014
- Provide advisory support to account executive and the procurement review committee
- Contract drafting
- Drafting confidentiality agreements, examining sponsor patents for new technology solutions; Drafting and negotiating software as a service (SaaS) agreements with vendors including international partners in Spain, Hong Kong, and the United Kingdom
- Negotiating operational agreements, such as NDAs, MSAs, licensing agreements, sponsorship agreements, partnership agreements and security agreements.
Loan Administration and Compliance Consultant
Congressional Bank
09.2012 - 01.2013
- Reviewed loan profile of potential borrowers; create compliance reports; assessed accounts and institutions for secondary market sales and compliance; reviewed and analyzed asset profiles for high cost mortgage borrowers; assisted with upcoming bank-wide compliance and fraud investigations review; internal audits on fair lending practices; advised staff of regulatory updates with BSA, completed internal HMDA audit responses with supervision.
Education
Juris Doctor -
Touro College Jacob D. Fuchsberg Law Center
Central Islip, NYMasters of Criminal Justice -
Boston University
Boston, MABachelor of Science in Administration of Justice -
George Mason University
Fairfax, VASkills
- Legal & Regulatory Research
- Strategic Legal Counsel
- Risk Management
- Negotiation and Conflict Resolution
- BPO Outsourcing Transactions
- Compliance Management
- Financial Services Regulation
- Cross-border Transactions
- Data privacy
Baradmission
MARYLAND
Timeline
Corporate Counsel
Strategic CS, LLC
09.2022 - 03.2024
Corporate Counsel, Originations
Reverse Mortgage Funding, LLC
05.2021 - 09.2022
Grants Compliance Counsel
Charles Koch Institute
04.2019 - 08.2021
Legal Consultant (5 month Contract Engagement)
Wells Fargo Corporate Trust Center
10.2018 - 03.2019
Attorney and Licensing Manager
New Day Financial
12.2015 - 07.2018
Supervisor- Law Clerk Division
District Court of Maryland
04.2014 - 10.2015
Contracts Consultant
Consumer Technology Association
09.2013 - 01.2014
Loan Administration and Compliance Consultant
Congressional Bank
09.2012 - 01.2013
Juris Doctor -
Touro College Jacob D. Fuchsberg Law Center
Masters of Criminal Justice -
Boston University
Bachelor of Science in Administration of Justice -
George Mason University
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