Regulatory Strategy & Compliance Leader
Turning regulatory complexity into clear strategy, stronger governance and sustainable compliance.
Experience that gives you an edge.
Experience that gives you an edge.
My perspective is shaped by more than 20 years across Federal Reserve supervision, financial institution leadership and regulatory advisory.
I have worked on both sides of the regulatory table—as a commissioned Federal Reserve Consumer Compliance Examiner and as a senior compliance executive within large, complex financial institutions.
I translate regulatory expectations into business strategy, governance and sustainable remediation, aligning leadership and operations around practical execution.
Federal Reserve supervision
Financial institution leadership
Strategy, governance & transformation
Former Federal Reserve Consumer Compliance Examiner with supervisory experience during the 2008 financial crisis and its aftermath, including consumer compliance, CRA and fair lending examinations and significant regulatory initiatives.
CRA and fair lending specialties included hands-on HMDA LAR review and testing, data integrity, geocoding, regulatory reporting and submissions, and geographic/redlining analysis.
Senior compliance leadership experience within large, complex financial institutions, including Chief Compliance Officer, CRA Officer, BSA Officer and Fair Lending Officer responsibilities.
Former bank Chief Compliance Officer and senior compliance leader at Citi and Discover, with approximately 12 years of hands-on experience across fair lending, CRA and HMDA, including service as Fair Lending Officer at Rabobank.
Led regulatory remediation and transformation in complex financial environments, strengthening governance, compliance management systems, issue management and sustainable corrective action.
Former Federal Reserve Consumer Compliance Examiner and bank CRA Officer with direct experience leading CRA remediation, including improving an institution’s CRA rating from Needs to Improve to Satisfactory.
Built and improved FCRA-compliant processes at Citi and Discover, including consumer disputes and reinvestigations, with Metro 2/e-OSCAR experience.
Built a global compliance and fair lending program for a large multinational financial institution spanning North America, Europe and Asia.
Recognized by the Federal Reserve Board of Governors for contributions to the Interagency Review of Foreclosure Policies and Practices.
Founding member of the team that created the Federal Reserve publication focused on consumer compliance education.
Official publication archiveDuring my Federal Reserve tenure, contributed to the Consumer Compliance Examiner commissioning curriculum and delivered nationwide examiner training.
Presented at national conferences and universities on consumer compliance, fair lending, regulatory risk and leadership.
American Bankers Association
Business Administration · Finance major
Temple University · Cum Laude
Clarify supervisory expectations and prepare for regulatory engagement.
Strengthen governance, compliance systems, risk assessments and issue management.
Stabilize programs, address root causes and build sustainable corrective action.
Deep expertise across consumer protection, fair lending, HMDA, CRA and FCRA/Reg V, including consumer reporting, disputes and reinvestigations.
Provide senior regulatory and compliance expertise for defined initiatives, transitions and strategic challenges.
Help organizations navigate responsible AI adoption, governance and regulatory risk within complex financial environments.
Apply an examiner-informed perspective to CRA performance, assessment-area and market analysis, governance, remediation and exam readiness.
I welcome conversations about senior leadership opportunities and select advisory engagements with financial institutions, fintechs and consulting firms.
My focus is practical, business-minded compliance leadership — helping organizations navigate regulatory complexity, strengthen programs and solve difficult problems.
Amy Armstrong, CRCM
amy@amyarmstrong.net