Open to opportunities

Christopher Matter

@christophermatter

I build and audit consumer compliance programs for banks, fintech partnerships, and emerging financial products.

I lead fair lending and compliance audit teams at TD Bank, owning issues from identification and root cause through corrective-action validation and board-level reporting. I test consumer lending controls against ECOA, HMDA, UDAAP, and fair lending requirements, including AI model governance, proxy variables, and disparate impact.

At the OCC, I wrote federal supervisory policy for bank-fintech partnerships, BaaS, stablecoin issuance and reserves, digital asset custody, tokenized deposits, open banking, and real-time payments. I also served as Examiner-in-Charge at a $582 billion institution, setting risk-based strategy and holding findings open when remediation did not meet supervisory standards.

Across the Federal Reserve, PwC, and federal banking supervision, I’ve assessed compliance management systems end to end, designed risk frameworks, led examinations, and translated regulatory exposure for executive and board audiences.

Experience

Work history, roles, and key accomplishments

Current

Manager II, Fair Lending and Compliance Audit

Current

TD Bank, N.A.

Jul 2025 - Present (1 year 2 months)

Lead teams auditing consumer compliance and fair lending across a top-10 U.S. bank, owning the issues lifecycle from identification to verification of corrective action. Report open issues and regulatory exposure to senior management and board-level committees.

ECOA HMDA UDAAP Fair Lending Audit Compliance Model Governance Issue Management Root Cause Analysis Board Reporting

Financial Technology Policy Specialist

Office of the Comptroller of the Currency

Aug 2024 - Jul 2025 (11 months)

Wrote federal supervisory policy on bank and fintech partnership structures, including allocation of AML and customer due diligence obligations. Built compliance and examination frameworks for newly chartered institutions and served as interagency liaison to the FDIC, CFPB, and Federal Reserve.

Policy Development BaaS Open Banking Digital Asset Custody Tokenized Deposits AML CFT Interagency Coordination

Bank Examiner, Large Bank Supervision

Office of the Comptroller of the Currency

Jan 2023 - Aug 2024 (1 year 7 months)

Served as Functional Examiner-in-Charge at a $582 billion institution, owning exam scope, fieldwork, and written findings to a supervisory evidentiary standard. Set risk-based strategy across fair lending, UDAP/UDAAP, CRA, and consumer operations, and evaluated remediation adequacy before recommending closure.

Examination Management Fair Lending UDAAP CRA Consumer Compliance Risk Assessment remediation Interagency Coordination

Manager, Cyber, Regulatory Risk and Compliance Advisory

PricewaterhouseCoopers

Sep 2021 - Jan 2023 (1 year 4 months)

Ran compliance and regulatory risk assessments and control gap reviews for lenders and financial institutions, advising on exam preparation and remediation strategy. Presented findings to C-suite and board stakeholders and led internal practice briefings for over 200 advisory professionals.

Regulatory Risk Control Gap Remediation Remediation Strategies Exam Preparation Third Party Risk Fintech Risk Board Reporting

Commissioned Examiner, Consumer Affairs

Federal Reserve Bank of Minneapolis

Sep 2013 - Sep 2021 (8 years)

Served as Examiner-in-Charge for consumer compliance and CRA examinations, leading exam teams across a portfolio of institutions. Assessed compliance management systems end to end and wrote institution-level risk assessments and examination reports delivered to executive management and boards.

Consumer Compliance CRA C V (Vlang)Servicing Compliance Management System Risk Assessment