Who We Are
Our Skilled Consulting Team
John L. Bley is the Chief Executive Officer of the company with over 30 years experience in the financial services industry. Prior to his appointment as CEO, John was a lawyer and served as chair of Foster Pepper’s Financial Institutions Group, advising credit unions, banks and other financial institutions on regulatory intervention, compliance and enforcement prevention, regulatory and legislative relations, strategic planning, corporate governance and mergers and acquisitions. He has been engaged as an expert witness advising on regulatory process and enforcement actions. He is a member of the board of directors of RiverBank, Spokane, Washington and serves as Chair of the Audit Committee. As the state of Washington’s first Director of the Department of Financial Institutions, John managed approximately 150 professional examiners, lawyers and staff with a biennial budget of $25 million. In this cabinet-level position, he gained broad experience working with federal and state financial institutions regulators. Mr. Bley holds a J.D. and MBA from Willamette University, and has been admitted to practice law in Washington State since 1985. He was recently honored with membership in Best Lawyers®, the oldest and most respected peer-review publication in the legal profession.
Cliff Cook started his banking and compliance career in 1974, and is recognized regionally and nationally for his work in the compliance field. Most recently, he has been widely recognized by the Consumer Loan, Payday Loan, and Title Loan industries as an authoritative source for Truth-in-Lending Compliance, with particular expertise in assisting lenders in complying with the Annual Percentage Rate requirements.
Cliff had the honor of being chosen to serve on the Federal Reserve Board’s Consumer Advisory Council, where he chaired the CRA Committee. He has written several books and articles on compliance issues, including a Regulation Z Compliance Manual published by the Washington Bankers Association. Cliff was one of the original members of the ABA’s Money Laundering Task Force, and has testified, on behalf of the ABA, before a United States Congressional subcommittee on money laundering issues. Cliff was an original member of the Editorial Board of Advisors for the ComplianceAction publication, and has been a frequent speaker at compliance schools and seminars.
Cliff was previously the Vice President and Compliance Manager for Puget Sound Bank in Tacoma, Washington, where he worked for over 19 years. Cliff has served as Chairman of the Washington Bankers Association Compliance Committee, and was a member of the American Bankers Association Compliance Executive Committee. He is an honors graduate of the Pacific Coast Banking School at the University of Washington, and a Certified Regulatory Compliance Manager.
James has 30 years of varied experience in the credit union industry. He is responsible for monitoring and analyzing new and changed regulations, identifying credit union impact, and recommending steps for compliance. James also provides consulting advice on all areas of compliance with consumer protection regulations.
SENIOR COMPLIANCE CONSULTANT
Joan has over 37 years of experience in the financial services industry with Puget Sound Bank/Key Bank. She has held multiple management positions in the bank’s business lines. These responsibilities included supervision of consumer, trust, and bank investments, as well as a regional private banking operation. Compliance oversight of banking and securities industry regulations were a major responsibility in Joan’s management roles.
Most recently, Joan has played a key role in assisting consumer lending clients in compliance regarding the Annual Percentage Rate requirements of the Truth in Lending Act and Regulation. Her expertise also includes testing loan samples to assure compliance with the interest and payment terms set out in client loan agreements.
Ali has broad and extensive experience working in bank regulation and the financial services industry, both as a lawyer and a regulator. Before coming to Compliance Services Group, Ali worked for the Washington Department of Financial Institutions (DFI) in the Division of Banks from 2011-2017 in various roles. The most recent role was as Program Manager and Chief of Regulatory and Trust Affairs for the division, providing legal assistance and advice relating to bank and trust company matters.
Ali’s experience in the financial industry is varied, working at Morgan Stanley, Ameriprise Financial Advisors, and DFI as a Financial Examiner from 2002-2007. Ali also worked at the law firm Leen & O’Sullivan, PLLC, which represented clients in real estate, consumer protection, and bankruptcy matters. During law school, Ali worked as assistant for Professor W.H. Joe Knight, as an extern for the Honorable Mary I. Yu, and as a summer associate at the D.C. area firm, John Breyer & Associates, P.C.
Ali has presented at several continuing legal seminars and taught professional trust schools, including the CSBS Trust Examination School. Ali received both her B.A. in Business Administration and JD from Seattle University. Ali is a member of the Washington State Bar Association.
At Compliance Services Group, Ali focuses on providing prudential and operational compliance and regulatory services to trust companies and institutional trust departments. In addition, she provides a variety of consulting services to banks, credit unions, and non-depository institutions of all sizes.
Richard’s career in banking regulation began in 1970 at the Federal Reserve Bank of Richmond where he conducted the earliest compliance examinations and helped develop the compliance examination program for the Federal Reserve System. While at The Fed, Richard developed Truth in Lending calculation software systems, trained and supervised TIL compliance examiners, directed TIL enforcement actions, and conducted TIL training for examiners, bankers, and other retail lenders.
In 1984, Richard developed the “APR EXAMINER” handheld calculator and incorporated APR Systems, Inc. to market this product. The EXAMINER verifies TIL and Truth in Savings disclosure accuracy. Over 4,000 EXAMINERs have been distributed to compliance managers, auditors, attorneys, and regulators.
Today, Richard provides calculation support to CSG clients and other lenders of all types and sizes. Projects range from simple TIL disclosure audits, to creation of large complex disclosure production programs for handheld and desktop devices, web servers, and mainframe computers.
Our Skilled Audit Team
Kris has been with Compliance Services Group since 2014. Before joining CSG, Kris worked for WSECU, Blue Federal Credit Union, and TwinStar Credit Union, primarily in Lending and Branch Operations. She has her Bachelor’s Degree in Accounting from Western Governor’s University, and is a regular speaker at industry events.
Senior Compliance Auditor
Prior to the transition to Compliance Services Group, Karen was Vice President and Senior Consultant with Compliance Services, Inc. Karen joined CSI in 1993 with banking and compliance experience that includes 20 years at Puget Sound Bank, where she held the position of Assistant Vice President and Compliance Examiner. She attended the National Truth-in-Lending Compliance School, and is a graduate of the National Compliance School and National Graduate Compliance School at the University of Oklahoma.
NCCO, BSACS, AAP
Tricia has been with the Compliance Services Group team since 2014. Prior to this, her banking career spanned 10 years, working in community banks. She is experienced in retail banking and deposit operations. In her time at CSG, she has expanded her knowledge by becoming a BSA Compliance Specialist and earned the designation of Accredited ACH Professional in 2016.
Jodi has 17 years of experience working in financial institutions in retail, consumer lending, and mortgage lending. She joined the CSG family as an auditor in September 2015. Since then, she has obtained her NCCO and BSACS certifications. She specializes in mortgage servicing and loss mitigation audits, and also performs a variety of other audits for our financial institutions.
SENIOR COMPLIANCE AUDITOR AND FRAUD SPECIALIST
Prior to the transition to the Compliance Services Group, Laurie was a Senior Compliance Consultant with Compliance Services, Inc. Laurie joined CSI in 2004 with 26 years of banking experience, working at Benj. Franklin Federal Savings and Loan, Puget Sound Bank, and Washington Mutual Bank. She has worked in branch operations, lending, and corporate security. Laurie has worked extensively in compliance, operations, internal and external fraud investigations, and fraud prevention.
Laurie had a lead-role in several cases involving major crime organizations, and has successfully completed internal investigations involving losses up to 1.6 million dollars. During her tenure at Puget Sound Bank, the Internal Revenue Service presented Laurie with an award for “her commitment to the detection and reporting of suspected money laundering,” and she has testified, on behalf of the American Bankers Association, before a United States Congressional subcommittee on money laundering issues. She also has experience as a financial investigator for two law enforcement drug units.
Laurie is a graduate of the University of Phoenix, the ABA’s National Compliance School, and the Northwest Intermediate Banking School. She is a past president and life-time member of the Northwest Fraud Investigators Association.
Holly began her banking career in 1986. Prior to the transition to the Compliance Services Group, Holly was a Compliance Consultant and Office Manager with Compliance Services, Inc. since 1994. Part of Holly’s banking experience includes 5 years at Puget Sound Bank and 2 years at KeyBank, where she held positions in Credit Card Processing, ACH and Cash Management. As a Compliance Consultant with CSI, Holly has experience in deposit and operations compliance, with emphasis on BSA/AML compliance.
complianCE Audit Assistant
Sarah is a recent graduate of Indiana University’s Kelley School of Business. She obtained her Bachelor’s of Science in Business Administration with a minor in finance, and is currently pursuing an MBA through the Kelley Direct program.
Our Skilled Mortgage QC Team
FHA DE, VA LAPP/SAR
Sr. Mortgage QC Underwriter
Helena has over 30 years working for financial institutions, with 27 years as a mortgage underwriter, including Fannie Mae and Freddie loans. She processes post-close quality control and underwriting of mortgage loan files for regulatory requirements and investor guidelines.
Mortgage QC Specialist
Geoff has over 20 years of experience in training and planning in his career. These skills allow him to greatly improve the efficiency and effectiveness of the Mortgage Quality Control group by not only implementing improved processes but by also identifying areas for improvement. He works closely with the QC Underwriter by preparing and gathering the necessary materials required to perform the QC process in a timely and effective manner.
Bree has over 16 years of experience in administration. She has written and won several multi-million dollar Washington State contract bids and federal grant applications. She has also performed various support services in several regulated industries. She is a graduate of the University of Washington.