Compliance Officer & Risk Management Professional
Advising organizations on regulatory compliance and ethical governance
— Isi Horak.
Isi Horak is an Executive Compliance and Risk Leader with more than 17 years of experience guiding leading financial institutions through complex regulatory environments. A Certified Regulatory Compliance Manager (CRCM) and non-practicing attorney, Isi specializes in building strong control frameworks, managing regulatory change, and driving operational integrity across highly regulated industries.
Throughout a career spanning multi-billion-dollar organizations, Isi has partnered with executive leadership, regulators, and cross-functional teams to align businesses with federal and state requirements while mitigating risks and maintaining efficiency. Known for a strategic yet practical approach, Isi has successfully led compliance teams, enhanced oversight programs, and advised stakeholders on governance matters that directly impact growth and reputation.
At the core of Isi’s work is a commitment to fostering a culture of ethics, transparency, and accountability. By balancing technical expertise with clear communication, Isi helps organizations not only meet regulatory expectations but also strengthen trust with clients, employees, and communities.
Regulatory Compliance
Expertise in federal and state regulatory requirements across financial services.
Policy Development
Designing and implementing governance frameworks and compliance programs.
Audit & Monitoring
Leading risk reviews, reducing findings, and strengthening oversight processes.
Risk Management
Identifying, assessing, and mitigating regulatory and operational risks.
Governance Advisory
Partnering with leadership to align strategy with ethical business practices.
Regulatory Change Management
Monitoring evolving laws and regulations to ensure organizational readiness.
Leadership & Training
Developing high-performing teams and delivering compliance education.
Strategic Advisory
Bridging regulatory requirements with practical business solutions.
Program Enhancement
Strengthening control environments to support sustainable business growth.
Professional Journey
A clear view of my leadership path across top financial institutions
Executive Director – Compliance | Nov 2022 – Present
Lead team of 6 overseeing Fraud & Claims Management compliance, enhancing adherence to Reg E, UDAAP, FCRA, and Reg B.
Lead Compliance Officer | Sep 2019 – Nov 2022
Conducted enterprise risk assessments, developed tools later adopted firmwide, and improved issue management reporting.
Regulatory Compliance Manager | Mar 2017 – Sep 2019
Strengthened compliance oversight across multiple business lines, driving remediation that saved $200K+ and advanced ADA/WCAG alignment.
Principal Associate – Control & Transaction Risk Testing | Aug 2013 – Mar 2017
Designed regulatory testing strategies (Reg E, Reg W, ADA, FCRA) and championed agile practices within compliance teams.
Senior Associate – Business Quality Control | Jun 2012 – Aug 2013
Delivered quality control reviews improving compliance reporting accuracy.
Associate – Enterprise Operational Risk & Controls Testing | May 2011 – Jun 2012
Supported enterprise risk testing programs, improving operational compliance.
Bankruptcy Process Manager | Feb 2011 – May 2011
Oversaw bankruptcy operations, reducing losses through enhanced decisioning processes.
Bankruptcy Process Manager | Sep 2010 – Feb 2011
Managed 25+ staff, reducing losses over $1M with a repossession decisioning tool.
Bankruptcy Quality Control Lead | Jun 2007 – Sep 2010
Directed team of 25+ specialists, ensuring federal/state compliance while minimizing default risk exposure.
The University of Law, UK
University of Wolverhampton, UK
American Bankers Association
Consumer Data Industry Association
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