Francis Eric (Frank) Young

• Reviews of trades, risk assessments and compliance program, approval of marketing materials for compliance with federal and state requirements. Prepare 15c responses, CCO Report, and respond to S.E.C. examinations. Responsible for Code of Ethics Policy and Procedures including Insider Trading, AML and Fraud Prevention as well as all stand-alone Policies and Procedures such as: ISP, Cybersecurity, Whistleblower Protection, Proxy Policy, BCP/Disaster recovery, and overall Compliance Policy.

Conduct compliance reviews of various departments and functions, as well as Internal Controls including Accounting, Wire and HR/Payroll. Issue reports explaining results, liaise with department heads and senior management. Ensure adherence to BSA/AML/OFAC, Regulation E, Truth in Savings Act, Unfair, Deceptive or Abusive Acts or Practices (UDAAP), FACTA, Reg Z-Truth in Lending, Reg B-Equal Credit Opportunity Act, Fair Credit Reporting Act. Assists with the completion of the annual compliance risk assessment.

• Manage Onboarding/Due Diligence process with major S.E.C. trade platforms i.e. Fidelity, Schwab, Pershing, and TD Ameritrade. Establish Anfield Capital Management's mutual funds at target platforms, thereby making the funds available for trade to RIA's and Broker/Dealers nationwide.

• Review and evaluate client banks’ compliance program, including policies, procedures. Ensure adherence to applicable State and Federal regulations. Offer compliance assistance with branch banking, consumer & business lending, accounting, and personnel departments. Assess and monitor the compliance risks associated with the Bank's business activities, operations, products and services.