Automating compliance: the present and future of RegTech

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Regulatory Tech in today's context: efficient, scalable and cost efficient.

Short description

With today's growing regulatory load, 100% manual regulatory solutions are slow, un-scalable, cost prohibitive and in-efficient. This panel will describe and discuss the present and future of RegTech solutions that seek to keep fintech companies and financial institutions one step ahead.



Regulatory expectations continue to rise, with increased emphasis on each institution’s ability to respond to the next potential crisis. Regulatory supervision, often through oversight from multiple regulators, has moved beyond the planning phase and is now focused on tools and implementation supported by strong ethics, culture, and related accountabilities at every level of the organization.

We are organizing a panel to discuss regulation technology, best practices, tools and methods for an optimum regulatory setup for both established financial institutions and fintechs companies.



Panel moderator:

Jose Caldera, VP of Products and Marketing from IdentityMind.

Panel members:

- Justin Liang, Director of Compliance and Entreprise Risk Management at Lending Club.

- James Wu, Founder & CEO of MonJa

- Ileana Falticeni, VP Compliance and Regulation, Cloud Lending Solutions


Where ?

• Intersection for the Arts

• 901 Mission at 5th Street in the San Francisco Chronicle Building

• One block from the Powell Street Muni/Bart station

• Parking available next door at the 5th & Mission Garage


About the panel :

Identity Mind Global provides solutions for eCommerce ranging from Risk Management and Anti-Fraud to Anti-Money-Laundering. Identity Mind was named "2015 Company to Watch" by the American Banker and BAI.

Jose Caldera, VP of Marketing & Products, has been developing and marketing products for the last 20 years. An entrepreneur at heart, his focus has always been on the Enterprise, developing products and services for Information and Payments Security, Risk Mitigation and Compliance. He started in application and network security, later moving on to payments, virtual currencies, anti-fraud, and anti-money laundering. He has developed and marketed products for a number of silicon valley companies including Securify, McAfee and now IdentityMind Global. Jose earned a Masters of Science in Information Networking from Carnegie Mellon University.


Lending Club, based in San Francisco, CA, is the world's largest online credit marketplace, facilitating personal loans, business loans, and financing for elective medical procedures. Lending Club's mission is to transform the banking system to make credit more affordable and investing more rewarding. The company's technology platform enables it to deliver innovative solutions to borrowers and investors. Since launching in 2007, the Lending Club platform has facilitated over $18.7 billion in consumer loans. The company has been recognized as a a leader for growth and innovation, including being named one of Forbes's America's Most Promising Companies three years in a row, receiving the 2012 World Economic Forum Technology Pioneer award, and being named one of The World's 10 Most Innovative Companies in Finance by Fast Company in 2013.

Justin Liang is the Director of Compliance and Enterprise Risk Management at Lending Club, where he heads the financial crimes risk and BSA/AML programs. He has spent the past decade designing and deploying innovative compliance and risk management solutions at some of the world's largest technology and financial services companies. Prior to joining Lending Club, he helped lead the fintech practice at Promontory Financial Group, where he advised both early-stage and mature fintech startups on regulatory risk and compliance matters, with specific expertise in anti-money laundering, counter-terrorist financing, and fraud. Earlier in his career he worked as a consultant for the World Bank Group and Asian Development Bank, helping to create early warning systems for financial risk. Justin holds academic degrees from Princeton, Harvard, and MIT, where he studied politics, finance, and economics.


MonJa ( empowers institutional investors with market insights for marketplace lending. We provide performance analytics and loan selection strategies for peer-to-peer loans. Our core team is a passionate group of credit and investment risk management professionals with a combined 50+ years of experience in investment analytic tools. To see our portfolio performance analytics and receive our analytical insights, check out our blog:

James is the CEO and founder of MonJa, a service provider of performance analytics and loan selection strategies for peer-to-peer loans. Before James founded MonJa, he was the Executive Director of Risk Management Analytics at MSCI. He’s spent the last decade designing and selling investment tools for institutional investors. James comes from a family of entrepreneurs, and he holds a BS in Computer Science from Columbia University and an MBA from UC Berkeley.


Cloud Lending SolutionsCloud Lending Solutions is a financial services technology company. We offer a cloud-based, end-to-end lending platform delivering innovation to the global financial community. Unlike legacy technology platforms that are expensive and prevent agile response to market conditions, Cloud Lending Solutions’ clients take back control of their business by quickly implementing, extending, and digitizing the entire lending lifecycle. Cloud Lending Solutions’ single system of record is the market leading cloud solution supporting both consumer and commercial lending, and can scale based on lender’s needs.

Ileana Falticeni, VP Regulatory and Compliance

Ileana Falticeni joined Cloud Lending Solutions as Vice President, Compliance and Regulations in June 2016. As Chief Compliance Officer, Falticeni oversees compliance, privacy and information security regulatory requirements and is responsible for the related controls that govern CLS' business activities. In addition, Falticeni acts in a product development capacity, incorporating Compliance best practices into CLS' end-to-end lending software platform.

Falticeni was previously Managing Director, Global Co-Head of Origination and Financing Compliance for Barclay’s Bank in NY and London, and a senior management consultant for Compliance and Regulatory transformation initiatives within Toronto-Dominion Bank in Toronto. As a member of senior management and operating committees reporting directly to GC, CCO and CRO leadership, Falticeni has driven numerous initiatives focused on transforming enterprise compliance activities from process functions into global advisory and forward-looking risk management programs during periods of intense growth, regulatory scrutiny and organizational change.

Previously, Falticeni was an associate with Shearman & Sterling LLP. Falticeni earned her Juris Doctor, cum laude from Georgetown Law and her Bachelor of Science from the Georgetown School of Foreign Service in Washington, D.C.


Lending Times, (, is a publisher covering the peer-to-peer (p2p), marketplace and in general the alternative lending market. We provide a daily news digest and a daily analysis piece usually about various aspects of the digital lending industry. Analysis topics include interesting business models, crowdlending and crowdfunding real-estate, unique originators, potential sources of venture capital and securitization and service providers to the space. We cover companies like Lending Club, Prosper, Avant, SoFi, Funding Circle, OnDeck, Zopa and more.

George A. Popescu, is Founder and Editor in Chief of Lending Times. George is a serial entrepreneur having built an exited 5+ companies. He is also a partner of LunaCap Ventures, a hybrid early stage growth fund.

George sold and exited his most successful company, Boston Technologies (BT) group, in 2014. BT was a technology, market maker, high-frequency trading and inter-broker broker-dealer in the FX Spot, precious metals, and CFDs space company. BT was #1 fastest growing company in Boston in 2011 and in Inc 500/5000 for 4 years in a row.

Over the last 10 years, George founded 10 companies in online lending, craft beer brewery, exotic sports car rental space, hedge funds, peer-reviewed scientific journal, etc. He advised 30+ early stage start-ups in different fields and was a mentor at MIT’s Venture Mentoring Services and Techstars Fintech in NY.He holds 3 Master's degrees, the last one from MIT in 3D printing.