GENERAL SESSION: The Hotline, Special Briefing from Kirk Bado

Chief Executive Officer and Founder, Winnow Solutions, LLC

As Chief Executive Officer and Co-Founder of Winnow, Chris Hilliard leads a team of legal, compliance, and technology professionals transforming how financial institutions and lenders navigate state and federal regulatory requirements. Winnow is a powerful online application that enables customers to generate surveys and searches tailored to their specific business type, licensing, products, and geographic scope based on a comprehensive and dynamic database of state and federal laws and regulations. Winnow also provides an AI-powered platform that helps financial institutions navigate complex state and federal regulations, ensuring compliance while improving operational efficiency. Chris Hilliard has over 20 years of industry experience in consumer, commercial, and residential mortgage lending and general banking, with extensive expertise in regulatory compliance, BSA/AML, internal audit, licensing, and legal functions. He is a Certified Regulatory Compliance Manager (CRCM), Certified Compliance and Ethics Professional (CCEP), and a California Licensed Life, Accident & Health Agent. He has held executive, senior management, and mid-level management positions at major financial institutions and lenders, where he managed all aspects of compliance, risk, and litigation, as well as product development, management, and design. He is passionate about leveraging technology to create innovative solutions that enhance compliance efficiency, effectiveness, and customer satisfaction. HousingWire, Finovate, and the US Fintech Awards have recognized him, and he is a HousingWire Tech 100 Trendsetter for 2024.

Managing Editor of National Journal's The Hotline, National Journal