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.

In 1994, Len Suzio founded GeoDataVision to provide to community banks the significant benefits that a relatively new type of software called GIS made possible. Prior to starting GeoDataVision, Len Suzio had been in banking in Philadelphia and Connecticut for more than 17 years. Mr. Suzio was an executive vice president, senior loan officer and director of American National Bank and a director of two other Connecticut banks. In 1983, he was recognized as the Outstanding Banker in Connecticut by the Small Business Administration. He also testified as an expert in front of the United States Senate Subcommittee on Small Business that same year. Len Suzio is a nationally recognized CRA expert. He has spoken at ABA and ACB national compliance conferences as well as many state compliance meetings and has been a featured speaker at numerous webinars. He has published a number of articles on CRA in industry-wide journals such as The Journal of Finance and Risk Management published by Robert Morris, Associates and Community Banker Magazine published by America’s Community Bankers. Most importantly, Mr. Suzio has been a community banker and has worked with hundreds of community banks to help them develop a professional CRA compliance program that meets regulatory expectations and reduces performance anxiety.

She is the firm’s Executive Vice President of Compliance responsible for overseeing the Compliance division and is one of the firm’s most senior Compliance Consultants. Marcy has over ten years of banking experience and has been with M&M since 2013. She has significant experience and knowledge of the Bank Secrecy Act and Anti Money Laundering practices, including automated Anti-Money Laundering systems. Marcy previously worked for the State of Maine Bureau of Financial Institutions, where she served as a Bank Examiner examining banks and credit unions for both Compliance and Safety and Soundness. She also brings practical banking experience having worked at TD Bank North. Marcy holds a Bachelor’s degree in Business Administration from the University of Maine at Fort Kent.

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.