2023 CrossState Compliance Conference

Glory LeDu is the CEO of League InfoSight and CU Risk Intelligence.  Both companies provide compliance and risk management solutions to credit unions nationally, through credit union league/association partners.  LeDu’s background includes over 20 years in the financial industry.  LeDu is passionate about compliance and regularly provides compliance training to credit union employees, officials and examiners.  LeDu also serves on the Board of Directors for a local credit union, CU Vendor Management (CUVM) and for CU Risk Intelligence.

She received her Bachelor of Science degree from Northern Michigan University and a Master of Science degree from Pace University.

Scott is an Associate with Weltman, Weinberg & Reis Co. With more than 15 years of experience as a collections attorney, Scott takes pride in his ability to serve every type of creditor – from the largest financial institutions in the country, down to small businesses, sole proprietors, or individual business owners. Whether the matter involves large sums of unpaid B2B bills or missed payments on equipment loaned, Scott seeks to resolve each case quickly and effectively, and in the best interests of his client.

Kate is the co-founder and principal of Pillar+Aught. She concentrates her practice in the areas of creditors’ rights, loan workouts, commercial lending transactions, and commercial bankruptcy. Kate represents financial institutions with respect to loan workouts, collection matters, lender liability actions, and as creditors in Chapter 7, 11 and 13 bankruptcy cases.  Kate is a Penn State University Dickinson School of Law graduate and continues her involvement at her alma mater by serving as a practitioner instructor. She is a member of the American Bankruptcy Institute, Turnaround Management Association, and International Women’s Insolvency and Restructuring Confederation, and is licensed to practice law in both Pennsylvania and Delaware.

Michael is a Partner at McKenna, DuPont, Stone & Washburn, P.C. Michael has over 35 years of experience as a litigation attorney and over 30 years serving as a partner, specializing in Federal and State regulatory compliance for Federal and State-chartered credit unions.  Michael has brought knowledge in corporate law, personal injury law, contract law, employment law and real estate.  Michael has worked with Federal and State regulatory agencies including, but not limited to, NCUA, OSHA the New Jersey Department of Banking and Economic Development Agency.  Michael is also experienced in handling mergers, acquisitions, bankruptcies and foreclosures. He is also a member of the Association of the Federal Bar of New Jersey.

Terrence Adam has been with NCUA for 28 years.  15 years as an examiner, 3 as a Regional Lending Specialist, the last 10 as a Supervisory Examiner covering New Jersey and Philadelphia.  Terrence has a B.S. in Accounting from Kean University.

David joined NCUA in 2008 and works out of Newark, NJ. David spent 8 years as a specialized lending subject matter expert (SME) and have since transitioned into a consumer compliance SME. He will be directly reviewing the 2023 compliance priorities this year.

Mike Petrone is a risk management consultant in Risk and Compliance for TruStage. In this role, he assists credit unions in identifying areas of risk in their operations and recommends appropriate controls to reduce loss exposures. He is also the physical security specialist in the Risk Management Department.

Petrone began his career with CUNA Mutual Group in 1986 as a loss prevention specialist. His currently title is Risk Management Consultant.

Petrone earned a bachelor’s degree in Accounting from Salem State University. Petrone is a licensed real estate broker in Maine and Massachusetts. He has also earned the designations of Certified Fraud Examiner (CFE), Certified Financial Services Auditor (CFSA) and Credit Union Security and Fraud Expert (CUSFE). In addition, Petrone is an ALICE Certified Active Shooter Instructor.

Jennifer L. Winston is an Associate with the law firm of Messick Lauer & Smith P.C.  Jennifer represents credit unions and credit union service organizations primarily in consumer law regulation and compliance matters.

Jennifer’s practice focuses on advertising compliance and website reviews, fair credit reporting, electronic funds and payments compliance, and consumer privacy.  She also monitors NCUA and CFPB developments for her clients and regularly gives presentations on navigating the current regulatory landscape.  Jennifer assists credit unions and CUSOs in the development of corporate polices, including repossession, debt collection, information security, and member privacy policies.

Jennifer is a graduate of the University of South Florida where she earned her Bachelor of Arts in Psychology in 2003.  She attended The Pennsylvania State University, Dickinson School of Law, in Carlisle, Pennsylvania receiving a Juris Doctorate in 2009. During law school, Jennifer was a legal extern for the Pennsylvania Department of Environmental Protection, Regulatory Counsel and participated in the Moot Court Trial Board. Following graduation, Jennifer clerked for the Honorable Charles T. Jones, Jr., Court of Common Pleas, Lebanon, Pennsylvania.  Jennifer is admitted to practice law in Pennsylvania and New Jersey.

Nicola Foggie is the Chief Regulatory Officer at CrossState Credit Union Association. Foggie works closely with the CrossState advocacy and compliance teams, helping credit unions navigate the complex state, federal, regulatory, and legislative landscapes. She also works with financial regulatory and governmental agencies to ensure your credit union is compliant, informed, and up to date on the latest industry changes.

Foggie holds certifications in Credit Union Compliance Expert (CUCE), Bank Secrecy Act Compliance Specialist (BSACS), and Credit Union Enterprise Risk Management Expert (CUERME). She also holds a B.S. Degree in Business Administration from Rider University and graduated with honors.

When Nicola isn’t working, she is passionate about her family, friends, and community. In her spare time, she volunteers with an organization called the Jason Thompson Foundation. The Jason Thompson Foundation is dedicated to bringing awareness to heart disease, while creating healthy lifestyles for children and young adults by providing the resources and social support needed to live each day as active, heart-healthy individuals.

Ann Renfrew is the Compliance and Regulatory Affairs Officer at CrossState. In her role, Ann works closely with both the compliance and advocacy teams to answer calls on the Compliance Hotline and research and analyze legislative and regulatory changes. She helps your credit union stay informed and up to date on what you need to do to stay in compliance. Ann holds CUNA’s Credit Union Compliance Expert (CUCE) designation and Bank Secrecy Act Compliance Specialist (BSACS) designation. Ann also has her J.D. and is a licensed attorney in Pennsylvania. Ann is also an expert on PolicyPro and InfoSight and is At Your Service to answer those questions and more.

In her spare time, Ann is an avid crafter, quilter, and cat lover. She particularly enjoys spending time with her own, very beautiful feline friend.

Erin Ensminger is the Compliance and Operations Officer at CrossState. She is one of the friendly voices you’ll hear when you call the Compliance Hotline. Erin researches the latest compliance and regulatory changes to keep you informed and up to date for Compliance Connection Weekly and CU Edge. Erin provides education via webinars and compliance resources, including InfoSight and PolicyPro. She has her MBA and holds designations in CUCE and BSACS. Whether Erin is answering Hotline questions, researching changes and updates, or hosting webinars, she is At Your Service.

When Erin isn’t in compliance world, she enjoys cooking, playing with her daughters, and spending time with family.

Greg Westwood, BSACS, AAP, is the Senior Manager of Audit Services at CrossState. Greg joined the Audit services staff in 2009 and has since earned the BSACS and AAP designations. He was promoted to senior auditor, followed by earning the manager, Audit Services title in 2014, and then promoted to senior manager of Audit Services in 2023. Greg is the treasurer and board member at the First Church of Christ in Philipsburg. He has a Bachelor of Science in Accounting from Penn State University and in 2021 he obtained a Masters of Science in Accounting from Northcentral University. He resides in Philipsburg with his family.

Brittany Beh is a Compliance Consultant with CrossState’s Solutions team.  In her role, she assists credit unions in New Jersey and Pennsylvania with drafting policies and procedures, training staff and volunteers, and consulting on special projects and initiatives.  She has been with CrossState Solutions for one year and has over 4 years in the credit union industry. She holds her Bank Secrecy Act Compliance Specialist (BSACS) and Credit Union Compliance Expert (CUCE) designations.

Attorney, author, consultant and nationally recognized trainer, David A. Reed is a partner in the law firm of Reed and Jolly, PLLC.  Through Reed and Jolly, Mr. Reed provides guidance to credit unions concerning a variety of matters including the establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters and corporate governance.  In addition to his legal expertise, Mr. Reed is a Certified Fraud Examiner and former Chairman of a Supervisory Committee.  His engaging speaking style has garnered him status as a regular lecturer nationwide on topics such as regulatory compliance, governance, examination planning, consumer lending, bankruptcy and collections.  He offers facilitation services and a full range of training programs that can be delivered to the Board, executive team, managers or frontline staff.

A former trial attorney and Vice President and General Counsel of Apple Federal Credit Union, Mr. Reed is particularly noted in the areas of credit union operations, governance, security, bankruptcy and collections.  He has been selected to train federal and state field examination staff on numerous issues including BSA, Field of Membership, ID Theft Red Flags, S.A.F.E Act, Third Party Contract Management, Cybersecurity and Bankruptcy.  He also serves as a frequent contributor to numerous industry publications.

Mr. Reed received his undergraduate degree from Virginia Tech in 1986 and his Juris Doctorate from George Mason University School of Law in 1989.   He resides in Fairfax, Virginia with his wife Diane and an odd assortment of cats.