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Andrew leads Ernst & Young LLP’s licensing and payment risk efforts, with a specific focus on financial crimes and consumer compliance. He has extensive experience assisting traditional financial institutions and FinTechs across the spectrum of regulatory topics, including strategic plan development, risk management program design, risk assessment and mitigation, control design and enhancement, evaluation of license and charter options, and the creation and submission of license and charter applications. Andrew co-leads the US firm’s Banking as a Service (BaaS) offerings.
Andrew holds a BS in Finance and Political Science from Santa Clara University.
How Andrew is building a better working world
“I have focused my career on bridging the capability and maturity gap between the world’s largest, most entrenched financial institutions, new US market entrants, and startup FinTechs. This passion has recently manifested in my support of community banks. Community banks have traditionally been the cornerstone of US banking, serving everyday Americans with tailored product offerings and personalized service. For the past two years, I have helped community banks innovate through BaaS relationships, develop advanced risk and compliance capabilities, and mature to compete with institutions much larger by assets.
I am passionate about enhancing protections for all consumers and expanding access to more creative and personalized banking products and features. As such, I have guided tech companies with no financial services experience through money transmitter applications and risk program development to accelerate their expansion into the US. I believe embedding risk management into strategy and product design promotes a safer financial system.”