Loretta is a regulatory compliance and risk management executive with over thirty years of experience in the financial services industry. Her most significant area of focus is fair and responsible lending risk management, including compliance management system and program development, qualitative and quantitative risk assessments, data quality management, process mapping, and staff training. Her knowledge of bank regulations, operations, and technology provide an integrated approach to assisting clients in developing and implementing effective regulatory risk management programs. She has assisted numerous financial institutions with enforcement action remediation, regulatory investigations, exam management, assessments of fair and responsible lending programs, HMDA and CRA process optimization, CRA performance evaluation, and leveraging technology to ensure integrity in data capture and process management.

Prior to joining CrossCheck Compliance, Loretta served as senior director of Treliant Risk Advisors in Washington, DC; senior vice president, Compliance Consulting at CenTrax / Marquis in Plano, Texas; vice president and fair lending officer of First American National Bank in Nashville, Tennessee; and treasury manager at American Express in Brighton, England.

Loretta is active in industry organizations. She is the incoming vice-chair of the Texas Mortgage Bankers Association (TMBA) Education Committee. She is also a member of the Vendor Regulatory Work Group which works closely with the CFPB and mortgage vendors on the implementation of regulations. She is also a frequent speaker and published author on the topics of fair lending and HMDA.