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Michelle Humphrey is a seasoned professional with extensive experience in regulatory compliance and strategic operational management. Currently serving as the Director of Regulatory Compliance at United Auto Credit Corporation, Michelle has previously held significant roles at Oportun, where as Director of Special Servicing, Legal Collections & Controls, spearheaded collections recoveries strategies and conducted collections risk assessments. Prior roles at Ditech Financial LLC and Residential Credit Solutions involved leading compliance monitoring and testing initiatives within mortgage servicing. Michelle's analytics and project management skills were further showcased at Bank of America, where responsibilities included leading regulatory project implementations and collaboration with legal and compliance teams. With a Bachelor's Degree in Business Management from Western Governors University, Michelle demonstrates a robust background in enhancing operational efficiencies and ensuring compliance with federal consumer financial laws.