Lauren Ceniviva

Lauren is a seasoned banking and compliance professional with over 15 years of experience in the financial services industry, specializing in regulatory compliance, risk management, and consumer protection. As a Senior Director at Ankura Consulting Group, she leads independent reviews and advisory engagements focused on compliance management systems, BSA/AML/OFAC compliance, and consumer protection laws. Lauren works extensively with money services businesses (MSB), fintech companies, and depository institutions helping them build and enhance compliance frameworks that align with evolving regulatory expectations. She is a Certified Regulatory Compliance Manager (CRCM) and is highly regarded for her ability to translate complex regulations into practical, scalable solutions.

At Chartwell Compliance, Lauren led regulatory reviews and developed robust compliance management systems for a diverse client base, including MSBs and fintech companies. As a subject matter expert in consumer protection laws, she provided hands-on support for day-to-day compliance operations, regulatory remediation, and program development. Her work is distinguished by her ability to tailor compliance solutions to a broad spectrum of fintech offerings, including payment processing platforms, remittance services, digital asset exchanges, and neo-banking models, among others.

Drawing on her foundational experience in traditional banking, Lauren excels at helping fintechs and other non-bank financial institutions navigate the complexities of banking partnerships. She regularly advises clients on how to build and operationalize bank-grade compliance programs that meet both regulatory expectations and contractual obligations with sponsor banks. Her strategic insight and practical approach make her a trusted advisor to emerging financial technology firms seeking to scale responsibly in a highly regulated environment.

At Cenlar FSB, Lauren served as a regulatory compliance subject matter expert, where she played a key role in enhancing the company’s enterprise-wide compliance infrastructure. She led the development and implementation of regulatory training programs, collaborated with cross-functional teams to ensure timely rollout, and regularly reported training outcomes to executive leadership. Her responsibilities also included reviewing borrower communications, policies, and procedures to ensure compliance with federal, state, and agency guidelines, as well as providing risk-based responses to internal compliance inquiries. Earlier in her career at Meridian Bank, Lauren built a strong foundation in regulatory compliance and operational oversight. As a mortgage compliance analyst, she supported adherence to regulations ― such as the Equal Credit Opportunity Act (ECOA), TILA-RESPA Integrated Disclosures (TRID), and the Home Mortgage Disclosures Act (HMDA) ― conducted audits, and assisted with regulatory reporting and examinations. These early experiences helped to shape Lauren’s attention to detail and client-focused approach to compliance. Her commitment to regulatory excellence and consumer advocacy has made her a trusted advisor to both traditional financial institutions and emerging fintech innovators.