Steve Conigliaro is a principal in the firm’s Financial Services Practice, where he offers strategic counsel to clients on a wide range of consumer banking and bank regulatory matters. During Steve’s over 20-year legal, risk and compliance career in financial services, he has been a trusted advisor to the world’s largest national banks, foreign banking organizations, captive finance companies, payment card networks, mortgage originators, student lending servicers and payment card issuing and acquiring banks.

Steve served in leadership roles in several corporate compliance and legal departments, including with various national banks. He has distinguished himself with deep regulatory knowledge and expertise and has been working at the forefront of consumer banking regulation since the creation of Dodd Frank in 2010. Steve has worked closely with the Office of the Comptroller of the Currency, the Federal Reserve Board, the Federal Deposit Insurance Corporation and the Consumer Financial Protection Bureau, advocating on behalf of his clients on supervisory and enforcement matters.

In his most recent role prior to joining the firm, Steve provided sophisticated and actionable counsel to a national bank’s executive team and board of directors on the bank’s strategic transformation, including on the development of a digital consumer banking platform and a full suite of consumer banking products and services.

Steve began his legal career at a leading global law firm and was a founding member of its Financial Services Practice Group, where he specialized in representing banks, financial institutions and payment card networks in product counseling, litigation and regulatory enforcement actions.

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  • Served as lead counsel for a national bank on several strategic transactions, including a US$4 billion annual loan purchase agreement with a major point-of-sale personal loan originator, various mortgage loan servicing agreements with mortgage originators and the buying and selling of secondary market mortgage transactions on hold for sale and hold for investment mortgage paper.
  • Lead counsel representing several national banks on the engagement with the banks’ prudential regulators and enforcement agencies on all consumer banking supervision, including the successful resolution of several escalated supervisory matters, including MRAs, MRIAs and PARR Letters.
  • Counseled a national bank on the bank’s compliance with all applicable federal and state consumer lending laws related to the development of a new unsecured personal lending product that was successfully launched in 27 states.
  • Represented an automobile captive finance company and a national bank in a fair lending investigation involving multiple regulatory agencies under the Equal Credit Opportunity Act, related to auto dealer compensation during the indirect auto loan originations process.
  • Served as the Consumer Banking Practice Group leader for a national bank and managed all legal, regulatory and exam management matters for a US$80 billion consumer lending portfolio across four consumer banking businesses, including mortgage, credit card, personal lending and retail and branch banking.

Education

  • Cornell Law School, J.D., cum laude, 2002
  • Bucknell University, B.A., 1999

Admissions

  • California, 2004
  • New York, 2004
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