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Tracy Johnson, JD, CRCM, possesses extensive experience in compliance and fair lending, currently serving as Sr. Director of Fair Lending and CRA, as well as Sr. Director of Consumer Lending Compliance at Arvest Bank. Prior roles include Director of Compliance, Ethics, and Privacy and Counsel at ACI Worldwide, Consultant at TKJ Compliance Consulting, LLC, and SVP and Director of Compliance at First National Bank of Omaha, where Tracy held several positions including Compliance Manager and Compliance Specialist/Project Leader. Additionally, experience includes serving as Assistant Corporate Counsel at First Data Corporation.