Dean is the firm’s President & CEO and joined M & M Consulting in 2001. He has more than 25 years of progressive responsibility in financial/banking institutions. He has served as one of the firm’s most senior regulatory compliance and Bank Secrecy Act consultants for the past 17 years. His areas of expertise include consumer compliance, Fair Lending, BSA/AML/OFAC, internal audit, commercial loan review, credit analysis, human resources, and enterprise risk management. His most recent position before M&M was Chief Operating Officer of York County Federal Credit Union with full compliance and operational responsibilities. He also served as Vice President and Branch Administrator of Augusta Federal Savings Bank, Loan Officer/Workout Officer for Androscoggin Savings Bank and Chief Operating Officer of Bank Management Group. Dean holds a BS degree in General Management & Finance from Thomas College and a master’s in economics.

Calvin is a recognized industry expert with 35 years of experience in federal supervision related to risk management practices and processes, compliance management systems, fair lending and general consumer protection issues.

Calvin’s principal responsibility at the CFPB is to lead and develop the National Program for Consumer Lending.  Those product markets include short-term, small dollar (payday) and installment lending from origination through first party collections, including Buy Now Pay Later (BNPL) and bank short-term lending; credit cards, from advertising and origination through first-party collections (by banks) and charge-off; small business lending (in coordination with Fair Lending) and including serving as Supervision’s Implementation Lead on the Small Business Lending Rule (1071).

Previously, Calvin led and directed the National Program for mortgage, student, automobile and credit card origination matters for depository and non-depository financial services companies.

He previously worked at the Office of the Comptroller of the Currency, where he was a National Bank Examiner and later Assistant Deputy Comptroller in Atlanta. Later, he was the OCC’s Director for Compliance Policy in Washington where he was the agency’s spokesperson on all consumer protection, fair lending and CRA matters. He has coauthored articles on a range compliance matters, provided technical content for trade publications, given congressional testimony on fair lending supervision, and spoken extensively at industry conferences. He also holds the Certified Regulatory Compliance Manager, Certified Risk Professional, Anti-Money Laundering Professional and Consumer Protection Examiner designations.

She joined M&M as a Compliance Consultant in 2020.  She has more than 20 years of retail banking experience at a variety of financial institutions. Most recently, Alena was part of a regional leadership team where she was responsible for operations and compliance oversight of the retail branches.  During this role Alena examined branch performance of policies, procedures and regulations which included evaluating AML/BSA knowledge and execution among the frontline employees.  She holds a bachelor’s degree in business from Southern New Hampshire University as well as a Certificate in Lending Compliance through the American Bankers Association.