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MPC - The Digital Commerce Event | MPC

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Session: How to survive in the new sponsor-bank/fintech-client regulatory environment

Session Participants:

  • Kimberly Hebb
  • Travis Dulaney

About the Speaker:

Kimberly brings over 25 years’ experience in financial industry risk management as a chief risk officer, federal regulator, banker, and regulatory consultant. Kimberly is co-founder of BalancedTrust, an organization built on a mix of advisory & technology services that provides compliance and risk management as a service to fintech companies and sponsor banks. Assisting clients with building risk management systems that maintain the integrity of the financial system, protects the consumers served, and provides flexibility for growth and innovation. 

Previously, Kimberly served as the Chief Risk Officer for BillGO, Inc., a consumer bill payment fintech that delivers real-time connectivity and instantaneous bill payment transactions to consumers and financial institution customers. At BillGO, she developed the company’s Enterprise Risk Management Program and was the primary liaison with regulatory, compliance, audit and accreditation agencies and bodies.

Kimberly spent the majority of her risk management career as a national bank examiner with the Office of the Comptroller of the Currency (OCC). There she began as an examiner specializing in Bank Secrecy Act/Anti-Money Laundering (BSA/AML), OFAC, and consumer protection and lead several high profile examinations. As a BSA/AML Compliance Policy expert resource, Kimberly developed supervisory policy and examination procedures, developed tools to improve and strengthen the OCC’s risk identification including the Money Laundering Risk System (MLR), and served as the OCC representative to the U.S. delegation to the Financial Action Task Force. As the Director for Compliance Policy, Kimberly was Co-Chair of the OCC’s National Compliance Risk Committee responsible for identifying and analyzing emerging industry trends and risks and prioritizing supervisory response and policy development that relate to BSA/AML, consumer protection, Community Reinvestment Act, and fair lending issues. In this role, Ms. Hebb also directed the development of tools, automated examination solutions and curriculum for OCC examiner training. 

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