TRAKAmerica
Nicole Cummins-Morneau CRCP, ERMCP has a diverse and extensive work experience history. Nicole is currently the Senior Vice President Risk Management at TRAKAmerica since May 2022. Previously, from May 2021 to April 2022, they held the role of VP Global Compliance and Risk at InDebted.
Before joining InDebted, they worked at Windham Professionals, Inc from September 2014 to May 2021, serving as the Chief Compliance Officer. In this role, they successfully led a CFPB examination, redesigned and implemented an effective Compliance Management System, and handled various compliance-related responsibilities such as litigation management, complaint management, audits, and regulatory affairs.
Prior to Windham Professionals, they held the position of VP Global Compliance at iQor from June 2005 to January 2014. Nicole'sresponsibilities included completing a CFPB examination, managing compliance in multiple countries, and overseeing areas such as licensing, policy and procedure, and regulatory affairs.
Nicole's work experience also includes being a Compliance Officer at Risk Management Alternatives from 1998 to 2005. Nicole began their career at Discover Card in 1987, where they worked in compliance, merchant operations, sales, and collections roles.
Overall, Nicole Cummins-Morneau CRCP, ERMCP has demonstrated expertise in risk management, compliance, and regulatory affairs throughout their career, holding leadership positions in various organizations.
Nicole Cummins-Morneau CRCP, ERMCP has completed various educational programs throughout their career. In 2016, they attended the ABA CRCM program for an unspecified period of time. Additionally, Nicole pursued Paralegal Studies at the University of North Georgia. It is unknown when they attended this program. Lastly, they studied at Georgia Southern University, but specific details about their educational pursuits there are not provided. Nicole also holds a membership with the Society of Corporate Compliance and Ethics - CCEP, although no specific degree or field of study is mentioned in relation to this membership.
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TRAKAmerica
Since inception in 2000 TRAKAmerica has become the premier legal network management firm serving the accounts receivable management (ARM) industry. Our clients include banks, debt buyers, government agencies, student loan providers, auto finance companies, and other financial institutions. TRAK provides a single source and cost effective solution for all client recovery strategies. Our superior network is comprised of exceptional suppliers with a proven track record of success and compliance. TRAK is committed to creating a culture of compliance throughout the organization, meeting the most stringent compliance standards in the industry. Our investment and focus on developing a rigorous infrastructure sets us apart from our competitors. TRAK has positioned itself to effectively lead change in our industry from a regulatory and customer experience perspective. TRAKAmerica also offers unparalleled analytics utilizing their proprietary FASTRAK Model. The FASTRAK model identifies accounts with the highest propensity to liquidate during the life of the treatment strategy and provides accurate cost and revenue forecasting. TRAKAmerica is the standard of excellence for clients across all stages of delinquency, providing the optimal balance of superior performance and industry leading compliance and control.