In this episode of the COMPLY Podcast, I’m joined by Kat Wong, Director of Marketing at Adro, a fintech that helps international students and workers access essential banking products in the U.S. Kat shares how she bridges the gap between marketing and compliance, ensuring clear, trustworthy messaging without getting lost in legal jargon.

Drawing on her experience across industries—from major brands to fast-growing startups—Kat explains how understanding compliance isn’t just a legal team’s job. Instead, it’s a shared responsibility where marketers play a key role in translating complex regulatory requirements into accessible, consumer-friendly language.

We discuss:

• How compliance can empower marketing and other teams to think with a “compliance hat”
• How marketing can transform complex legal jargon into clear, compliant messaging to foster consumer trust
• Practical advice for marketers on building strong relationships with compliance teams

Show Notes

• Driving Marketing and Compliance Collaboration with Technology: https://performline.com/blog-post/driving-marketing-and-compliance-collaboration-with-technology/
• Connect with Kat: https://www.linkedin.com/in/kwongtooyen/
• Connect with Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

PerformLine’s newly enhanced UDAAP rulebooks are designed to help compliance and marketing teams work more efficiently while mitigating more risk. In this episode, I sit down with Mike Gibney, Director of Client Solutions, about how these updates are making it easier for clients to stay ahead of deceptive practices in their marketing and communications.

By combining market trends, regulatory enforcement insights, and client feedback, the updated rulebooks offer broader coverage and faster deployment across channels. Built and refined with real-world testing, they help teams spend less time reviewing content and more time making informed decisions.

We discuss:

• How PerformLine tracks evolving deceptive trends to build its proprietary UDAAP rulebooks
• What makes the new rulebooks more efficient and comprehensive for content review and risk mitigation
• The role of technology like NLP and AI in speeding up rule creation and refinement
• A preview of what’s next—including rulebooks focused on identifying and understanding complaints

If you’re a PerformLine user and haven’t refreshed your rulebooks lately, now’s the time to reconnect. And if you’re new to the platform, this episode offers a clear look at how our rulebooks can streamline your compliance efforts from day one.

Show Notes:

• Schedule a demo and learn more about UDAAP rulebooks: https://lp.performline.com/request-a-demo
• Subscribe to PerformLine for more UDAAP resources and updates: https://lp.performline.com/subscribe-to-performline
• Connect with Mike: https://www.linkedin.com/in/michaeldgibney/
• Connect with Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

In this episode, I’m joined by Tonya Farmer, a U.S. Army Veteran turned Quality Assurance Expert, whose career journey is anything but conventional. Now a pivotal member of the compliance and workforce management team at Priority, Tonya shares how her military discipline, tech-savvy background, and psychology training come together to elevate compliance operations.

With over 32 years in customer service, Tonya brings a broad and deeply empathetic perspective to her work—ensuring that every interaction, every process, and every training initiative hits the mark.

We discuss:

• How Tonya’s background in the military and IT shaped her detail-oriented approach to compliance
• What it takes to identify gaps in training, service, and process before they become problems
• Why empathy, communication, and continuous feedback are essential in quality assurance
• How tools like PerformLine and NICE support real-time insights and coaching

What happens when a compliance leader thinks like a marketer? In this episode, I’m joined by Stacey Onyido, Global Financial Promotions Oversight Manager at eToro, who shares how she’s changing the narrative around marketing compliance—from restrictive to strategic.

With 13+ years in the industry and a global role spanning social, influencer, and paid media channels, Stacey is rethinking how compliance can empower teams, speed up approvals, and help great ideas thrive responsibly.

We discuss:

• Why compliance professionals benefit from speaking the language of marketing and how Stacey is making that a priority
• The difficulty of managing regulations across multiple platforms and channels, including the rise of influencer marketing
• The impact of AI on content creation and the pressure it puts on compliance teams to keep up
• How a consumer-first mindset is shaping regulations globally, including the UK’s Consumer Duty

Creativity and compliance don’t have to be at odds. In fact, they can—and should—work together from the start. In this episode, I sit down with Ryan Bowling, Vice President and Director of Marketing at OMB Bank, to explore how marketing teams can push creative boundaries while staying compliant.

With a unique background in journalism and a successful transition into the banking sector, Ryan shares how he’s built a marketing powerhouse that not only drives engagement but also meets strict compliance standards.

We discuss:

• Why involving compliance from the start of a marketing campaign prevents roadblocks and last-minute rewrites
• How ongoing education for both marketing and compliance teams builds trust and streamlines approvals
• How technology like PerformLine automates compliance reviews and reduces manual work to keep campaigns moving
• How bank marketing can be exciting, even in a highly regulated industry—and how OMB Bank is “the bank that backs the pickle” with its unique branded pickleball campaign

The COMPLY Podcast showcases trailblazers in the financial services and compliance space. Each episode dives deep into the challenges, triumphs, and innovations of executives at top banks, fintechs, and enterprises.

In this episode, I’m joined by Ryan De Herrera, Senior Marketing Compliance Manager at University of Phoenix, whose experience spans compliance roles at companies like Bank of America and loanDepot. Through his experience, he’s become an expert in balancing marketing and compliance, ensuring advertising is both compelling and compliant.

We discuss:

• How compliance should be a collaborative effort that helps businesses manage risks and achieve goals
• The importance of continuous learning and consumer feedback in building an adaptable compliance program
• The role of compliance in setting expectations, reducing complaints, and fostering long-term consumer trust
• How shifting regulatory priorities will shape compliance, with consumer protection always driving the process

The COMPLY Podcast showcases trailblazers in the financial services and compliance space. Each episode dives deep into the challenges, triumphs, and innovations of executives at top banks, fintechs, and enterprises.

In this episode, I’m joined by Bert Friedman, whose experience spans serving as an examiner at the CFPB to holding key compliance roles at companies like BMO Harris Bank, Deserve, and Payitoff.

We discuss:

• The importance of compliance as an enabler rather than a roadblock, emphasizing a strategic approach to saying “yes, and here’s how” instead of defaulting to “no”
• The evolving regulatory landscape, including UDAAP enforcement, BNPL regulations, and increased scrutiny of banking-as-a-service (BaaS) partnerships
• The role of AI and technology in compliance, the need for human oversight, and the challenge of balancing automation with regulatory documentation and risk management
• The increasing role of state regulators in compliance enforcement, especially as federal agencies shift priorities

Show Notes:

• COMPLY Podcast Speaker Interest Form: https://comply.performline.com/comply-content-speaker-interest
• Connect with Bert: https://www.linkedin.com/in/bert-friedman-cams-crcm-a5251962/
• Connect with Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

The Expert Interview Series is a segment of the COMPLY Podcast where we shine a spotlight on the industry leaders who are truly making a difference in the marketing compliance landscape. These boots-on-the-ground professionals work tirelessly to protect consumers while navigating the complex regulatory environment.

We’ll chat with these compliance experts as they share their real-world experiences, expertise, and practical insights. By hearing from those who are actively engaged in compliance, you'll gain valuable perspectives and actionable strategies to apply in your own work.

In this episode, I'm joined by Jim Downing, Chief Compliance Officer at JLL Securities and author of "The Fundamentals of Compliance." With a compliance career that began at FINRA, Jim has held leadership positions at major firms including JPMorgan Chase and BMO Harris.

We discuss:

• Strategies for building a robust and effective compliance program, no matter the industry
• The evolving landscape of compliance, including the impact of AI and upskilling
• How to balance technology with the essential human element
• The power of networking and mentorship for compliance professionals

In this episode, I sit down with industry experts Doreen Ghusar, a governance & regulatory advisor with 20+ years experience at leading lenders, and Chris Hilliard, a seasoned compliance professional with 20+ years experience at major financial institutions and lenders, to talk about expectations for compliance in 2025 and best practices to mitigate risk.

We discuss:

• The importance of proactively tracking and reviewing supervisory highlights, guidances, circulars and enforcement actions
• Leveraging compliance tools and alerts to remain informed about regulatory updates and risks
• Investing in compliance resources early to avoid greater costs in the future
• Anticipating changes in 2025, including new regulations for AI and digital innovation

Show Notes:

• COMPLY Podcast Speaker Interest Form: https://comply.performline.com/comply-content-speaker-interest
• The CFPB: 2024 Lookback and 2025 Predictions for Compliance: https://performline.com/blog-post/the-cfpb-2024-lookback-and-2025-predictions-for-compliance/
• Connect with Doreen: https://www.linkedin.com/in/doreen-g-innovate/
• Connect with Chris: https://www.linkedin.com/in/chilliard/
• Connect with Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

The Expert Interview Series is a segment of the COMPLY Podcast where we shine a spotlight on the industry leaders who are truly making a difference in the marketing compliance landscape. These boots-on-the-ground professionals work tirelessly to protect consumers while navigating the complex regulatory environment.

We’ll chat with these compliance experts as they share their real-world experiences, expertise, and practical insights. By hearing from those who are actively engaged in compliance, you'll gain valuable perspectives and actionable strategies to apply in your own work.

In this episode, I sat down with compliance veteran, Courtney Schwoebel, where we discussed how her humble beginnings in fraud and banking gave her the skills needed to build out robust Compliance Management Systems.

Listen in as we discuss:

• How working in operations gave her the skills she needed to become an effective compliance subject matter expert
• Her love of protecting consumers and ensuring brand protection
• The importance of connecting with other compliance professionals to share best practices
• Her thoughts about compliance in 2025 and her “superpower”!

Show Notes

• COMPLY Podcast Speaker Interest Form: https://comply.performline.com/comply-content-speaker-interest
• Top UDAAP Compliance Issues Across Marketing Content: https://content.performline.com/report/the-top-udaap-compliance-issues-across-published-content
• Access PerformLine’s free Marketing Compliance Resource Library: https://performline.com/resources/
• Connect with Courtney: https://www.linkedin.com/in/courtney-schwoebel-7198a6270/
• Connect with Rhonda: https://www.linkedin.com/in/rhonda-mcgill/