Jennifer Faulkner
Senior Director
Quick facts
30+ years of experience in the Public and Private Sectors examining or advising on consumer lending practices, both from a credit risk standpoint as well as consumer protection
Have led or worked on examinations or engagements of financial institutions and Companies of all sizes and levels of complexity, including Multi-National Banks, Thrifts, Credit Unions, Finance Companies and Loan Servicers
Co-authored and/or advised on Regulatory Laws, Regulations and Guidance impacting the consumer lending industry
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Jennifer Faulkner is a Senior Director with Alvarez & Marsal Financial Industry Advisory Services in Chicago, specializing in all aspects of retail lending. She has over 30 years of experience in the public and private sectors examining or advising the largest and most complex or problem institutions retail lending practices, from both a safety and soundness and consumer compliance and protection perspective.

Prior to joining A&M, Ms. Faulkner was a Director for Promontory Financial Group, where she served for almost five years. There, she advised banks, thrifts, finance companies and other financial firms in the areas including:  credit risk management and due diligence, consumer compliance governance, collections and foreclosure management, regulatory relations remediation and examination preparedness, Unfair and Deceptive Practices  and  the Fair Credit Reporting Act.

Ms. Faulkner served for over 24 years with the Office of the Comptroller of the Currency (OCC). From 1997 to 2011, she served as the Lead Retail Credit Examiner for the Large Bank Supervision Division. In that role, she advised the Comptroller, the OCC's Executive Committee, and executive managers on existing and emerging retail credit risks to include: sub-prime lending, retail credit account management practices, home equity and mortgage lending standards, and a number of potentially unfair and deceptive products and practices in the banking system. During the economic downturn, she frequently briefed the Comptroller on concerns and risks in the home equity lending market, participated in briefings to Treasury officials and advised during Senate testimony.

She served as the primary liaison to OCC's Deputy Comptroller for Credit Policy on all matters of retail credit and compliance policy development, coordinated with field staff to implement policy, managed or co-managed many horizontal reviews, including credit card and real estate appraisal and evaluation practices and the mortgage collection and foreclosure reviews. She served as examiner-in-charge of one of the targeted mortgage foreclosure examinations, leading an interagency team of examiners.

Ms. Faulkner was also instrumental  to the "loss free" resolutions of number of large mono-line credit card banks serving as special subject matter expert advisor to OCC's Deputy Comptroller for Special Supervision.

Prior to 1997 at the OCC, she examined  the largest credit card and auto lenders as well as troubled community banks.

Ms. Faulkner earned a Bachelor of Arts degree in Business with an emphasis in Accounting at Hastings College, Hastings, Nebraska.