Who We Are

Our Skilled Consulting Team

John L. Bley

cHIEF EXECUTIVE OFFICER

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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

EXECUTIVE COMPLIANCE CONSULTANT

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Cliff Cook started his banking and compliance career in 1974 and is recognized nationally for his work in the compliance field. Before joining Compliance Services Group in 2017, Cliff was President of Compliance Services, Inc., which he founded in 1993.

Since 1994, Cliff has been widely recognized by the Banking, Consumer Loan, Payday Loan, and Title Loan industries as an authoritative source for Truth-in-Lending Act compliance, with particular expertise in assisting lenders in complying with the Annual Percentage Rate requirements, as well as issues related to loan agreements, loan origination systems, and loan servicing systems.

As a banker, 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 McKinney

LEAD COMPLIANCE CONSULTANT

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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.

joan Cook

SENIOR COMPLIANCE CONSULTANT

Joan began to work in the financial services industry with Puget Sound Bank/Key Bank in 1970. 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.
After joining CSG in 2007, Joan has played a key role in assisting consumer lending clients with the Annual Percentage Rate requirements of the Truth in Lending Act, and with Compliance Management Systems.  Her expertise includes testing loan samples to assure compliance with the interest and payment terms set out in client loan agreements, reviewing clients’ Compliance Management Systems to assure conformance with guidelines established by federal financial institutions enforcement agencies, reviewing client websites for compliance with the Americans With Disabilities Act, and performing reviews for compliance with the “SAFE Act.”

ali higgs

SENIOR COMPLIANCE CONSULTANT

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At Compliance Services Group, Ali focuses on providing operational and regulatory compliance services to trust companies, credit unions, banks, and non-depository institutions of all sizes.

Ali has 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 roles including Chief of Regulatory and Trust Affairs, providing legal assistance and advice relating to bank and trust company matters.

Ali has presented at several continuing legal seminars and taught professional trust schools, including the CSBS Trust Examination School. She has also developed curriculum for examiner training and a law school master’s program. Ali received both her B.A. in Business Administration and JD from Seattle University. Ali is a member of the Washington State Bar Association.

richard insley

COMPLIANCE CONSULTANT

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

 

Tricia Briggs

AAP, BSACS, CTGA, NCCO
Senior Compliance Auditor

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. In 2019, Tricia became a Certified TG-3 Auditor, qualifying her to conduct certified reports on institutions regarding PIN-based transactions including encryption, key management, and protection.

Jodi Hampton

NCCO, BSACS
Compliance Auditor

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.

LAURIE JORGENSEN

CRCM, CAMS
SENIOR COMPLIANCE AUDITOR

Prior to her employment at Compliance Services Group, Laurie was a Senior Compliance Consultant with Compliance Services, Inc for 14 years. Laurie began her banking career in 1977 and worked at Benjamin Franklin Federal Savings and Loan, Puget Sound Bank, and Washington Mutual Bank. She has extensive experience in compliance, money laundering investigations, fraud investigations, branch operations, lending, and corporate security.

Laurie had the 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 lifetime member of the Northwest Fraud Investigators Association.

holly wilson

complianCE AUDITOR

Prior to her position at Compliance Services Group, Holly was a Compliance Consultant and Office Manager with Compliance Services, Inc. for 23 years. Holly’s banking experience includes roles at Puget Sound Bank and KeyBank, where she held positions in Credit Card Processing, ACH, and Cash Management. Holly has experience in deposit and operations compliance, and BSA/AML compliance, with emphasis on BSA/AML compliance. Holly has achieved the ABA Certificate for Deposit Compliance.

Sarah Young

NCCO
complianCE auditor

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

Helena Pratt

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.

Geoff Pohl

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.

Office Management

Bree Hartman

office manager

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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.