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Laura Toh

@lauratoh

Message

Execution-oriented and pragmatic compliance leader

United States

Message

What I'm looking for

Seeking to build best-in-class compliance program that exceeds business objectives, delivers customer value, and fosters a culture of compliance. The opportunity to make an impact is very important to me, as is an open, collegial, and collaborative work culture.

With a dynamic career spanning diverse sectors, I am a results-driven professional with a proven track record in compliance and strategic leadership. As co-founder of a fintech, I harnessed my consumer compliance and financial services expertise to lead development of a B2B2C embedded consumer credit infrastructure platform, building a compliance management system to unlock key partnerships with banks and payment processors. In addition to my compliance expertise, my hands-on experience in product, strategy, operations and customer success have made me an exceptional cross-functional communicator and relationship-builder so that I can effectively guide development and launch of compliant products and services.

Experience

Work history, roles, and key accomplishments

Current

Independent Regulatory Compliance Consultant

Current

Remote Community Bank

Feb 2023 - Present (2 years 5 months)

Collaborated on FDIC Change in Control application, developed and supported implementation of TPRM program, and created CMS, UDAAP, and Complaint Handling policies.

Regulatory Compliance CMS Complaint Handling

Current

Independent Regulatory Compliance Consultant

Current

Credit Card Platform

Feb 2023 - Present (2 years 5 months)

Led urgent compliance procedures development project to deliver pilot launch.

Regulatory Compliance

Current

Founder & COO

Current

Archie Finance

Apr 2022 - Present (3 years 3 months)

Leveraged expertise in consumer compliance and financial services to create B2B2C embedded consumer credit infrastructure platform, securing $2.5M ARR in enterprise LOIs.
Built compliance management system to secure relationships with banking partner as BIN sponsor and lender of record, alongside Mastercard and payment processor.
Devised compliance risk-mitigated credit construct to accommodate

Regulatory Compliance Operations Product Strategy Business Development Strategy Financial Services Consumer Lending Credit Scoring Credit Strategies Bank Secrecy Act Banking Operations Banking Regulations Banking And Finance Industry Knowledge

Product Manager

Traveloka

Jun 2017 - Jan 2019 (1 year 7 months)

Founded and led Traveloka Accommodation's Product Incubation team to develop and implement evidence-based strategies and operational processes positioning B2B products for success in Traveloka's direct supply markets, including Indonesia, Malaysia, Philippines, Singapore, Thailand, and Vietnam.
Headed high-priority World Cup 2018 special project resulting in monthly revenue lift of $1.2M (~11% y-o

Product Product Management Sales Operations Sales Operations Management Strategy Project Management Sales Strategy Travel Internationalisation Internationalization

Director of Strategic Initiatives/Interim Head of Product

GlobaliD

Feb 2019 - Apr 2022 (3 years 2 months)

Developed, oversaw, and implemented strategic objectives, identifying and prioritizing use cases for self-sovereign identity in the Web2 and Web3 space.
Defined and executed product roadmap for 130-person team, establishing priorities, milestones, and MVP.
Served as BSA/AML and consumer compliance SME for product team.
Led Mastercard debit card product program, managing internal and external stak

Customer Success Manager

Bidgely

Aug 2015 - Jan 2017 (1 year 5 months)

Led cross-functional teams to implement energy analytics solutions to large utility companies, including managing client relationships, inside sales, complex data integration, quality management and UX optimization.

Customer Success Customer Success Management Energy Efficiency Analytics Big Data Project Management Implementation Enterprise B2B Enterprise SaaS Enterprise Strategy Enterprise Customer Management

Associate

Promontory Financial Group

Jul 2007 - Mar 2013 (5 years 8 months)

Advised leading financial services companies seeking to restore regulatory compliance, improve regulatory relations, strengthen risk controls, and enhance investor and consumer confidence.
Managed engagements across regulatory compliance, forensic analysis, benchmarking, corporate governance, enterprise risk management and due diligence.
Collaborated with CEO on white paper commissioned by Federal