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Michael Heffernan is an experienced loan compliance professional currently serving as a Loan Compliance Officer at Salem Co-operative Bank since September 2022. Prior roles include Lending Compliance Officer at New Hampshire Mutual Bancorp and Loan Compliance Specialist at Salem Co-operative Bank. Michael's career includes extensive expertise in lending regulations and compliance, including TILA, RESPA, and HMDA. Previous experience comprises senior financial aid responsibilities at Southern New Hampshire University and managing loan delinquency at Citi. Michael holds a Bachelor's degree in Finance and Economics from Southern New Hampshire University, obtained between 2010 and 2015.