About us

We’re a consulting firm with a difference. Whether you need a few hours of strategic advice or staff
for a large headcount project, we have the network and expertise to deliver.

Our goal is to ensure every company facing regulatory scrutiny has access to the expertise
and staffing they need. We can help whether you are preparing for an exam, handling
an MRA or working to resolve a consent order.

Leadership team


Mark Westmoreland

Co-founder and Managing Director

Mark Westmoreland is a legal and compliance executive with experience at some of the world’s premier financial services companies, including Fintech companies and Top 20 banks.

Mark was most recently the head of a regulatory consulting practice serving bank and fintech clients. During his time as a consultant, Mark led large consulting projects for several Top 10 banks, including long-term consent order remediation projects and projects under attorney-client privilege.

Mark previously served as in-house counsel at two fintech startups as well as two of the largest banks in the world: Capital One and JPMorgan Chase. Mark developed expertise in credit cards, student loans, and installment loans products and subject-matter expertise in the Fair Credit Reporting Act and fair lending, especially in the area of data use and governance.

Mark has led cross-functional teams of compliance and risk professionals across a wide range of projects including:

  • Advised compliance departments of top credit card issuers on CMS program enhancements, regulatory strategy, and led multiple, large-scale remediation projects
  • Long-term advisor to executives of top card issuers and regional banks
  • Advised banks on UDAAP compliance, training, and program builds
  • Designed and led marketing reviews at various fintech companies and top card issuers
  • Led fair lending reviews and adverse action remediations for large banks and Fintech clients
  • Advised dozens of Finech clients on creating bank-ready compliance programs
  • Conducted due diligence reviews on fintech targets for venture capital clients
  • Designed and led several complaint management program overhauls
  • Advised banks and Fintech clients on exam preparation and response
  • Redesigned a global compliance training program for a large bank and led the implementation

Thought leadership

Mark is also a frequent host of roundtables and forums for risk and compliance executives. He’s also been a frequent speaker at the American Bankers Association Regulatory Compliance Conference and several compliance webinars. He also authored numerous articles over the years on CMS design, vendor and complaint management programs, as well as how to handle FCRA and data use issues.

Mark received his JD from the University of Virginia School of Law.

Et Halstead

Et Halstead

Co-founder and Managing Director

Et Halstead is a legal and compliance staffing executive who founded the US offices of JCW resourcing in 2012 and has overseen the development of the group throughout the US. He serves as the Chief Commercial Officer to the JCW Group, Co-founding Guideline in 2020

Et has spent the majority of his career helping financial services clients throughout the banking, fintech and consulting spaces, both in the US and the UK, to build out their regulatory teams through permanent recruitment and staff augmentation services. His network covers the entire gambit of regulation and risk from junior levels to the executive suite facilitating both large and small staff augmentation projects to assist and solve the following issues:

  • Regulatory response for OCC, Fed Reserve, FDIC and CFPB enforcement actions
  • Creation of training programs to assist in large scale regulatory change initiatives
  • Advisory work for alphabet soup related regulatory initiatives
  • Fair lending reviews, recommendations and changes
  • AML look back projects for international banking entities involving 35+ consultants
  • Creation and implementation of a regulatory framework to successfully launch a new card product at a major retail bank
  • Implementing regulatory software, products and technologies for major banking clients.
  • Short term, high volume complaint file review projects
  • Executive suite regulatory advisory through the placement of retained CCO network

Business leadership

Over the last 8 years Et has developed the JCW group to win a number of awards including the SIA’s fastest growing Staffing Firm in America 2020, three time receiver of a spot on the Inc 5000 list, a winner of Crains best companies to work for and holds a gold award for investors in people.

Kevin Young is a risk management and regulatory compliance executive with experience designing and implementing best-in-class risk management programs at global, national and regional financial services companies.

Joining Guideline from a successful independent consulting practice, Kevin’s prior career experience includes executive compliance leadership roles at American Express, CIT Group, BMO, and Bank OZK, including Chief Compliance Officer, Global Privacy Officer and Head of Operations Compliance responsibilities.  He has also led teams responsible for regulatory relationship management; for systems design, testing, implementation, and post-implementation validation;  for internal audit; for operational risk management; and for Sarbanes-Oxley Compliance.

Kevin specializes in overseeing the design and implementation of highly functioning compliance programs, especially in response to regulatory enforcement and supervisory matters.  Having the skills and experience to lead large, long-term projects, shorter, limited scope projects and everything in between, Kevin is ready to assist Kevin creating scalable solutions that respond to today’s risk management challenges.  Kevin  is a Certified Regulatory Compliance Manager, Certified Internal Auditor (Inactive) with a finance degree from Virginia Tech.

Kevin’s recent experience includes:

  • Compliance program redesign, recruitment, and staff development to respond to supervisory deficiencies;
  • Development of remediation plans to resolve enforcement matters related to Fair Lending, TILA, RESPA, UDAP/UDAAP, FCRA, EFT, CRA, mortgage servicing and collections rules.
  • Implementation of comprehensive risk assessment frameworks with complementary, enterprise-wide testing programs.
  • BSA/AML/Financial Crimes program development; CIP and surveillance monitoring system design, tuning, and validation.

Eric has more than 28 years of private and public-sector experience in various regulatory, operational, strategic, and military roles. He brings a holistic perspective to complex business and compliance challenges with a unique skill to provide simple, practical, and sustainable solutions to clients.

Eric formerly worked a senior commissioned examiner with the Consumer Financial Protection Bureau's Midwest region. He managed national teams of examiners as they conducted supervisory examinations on banks of all sizes. He employed data-driven techniques along with his strong understanding of business operations and systems along and deep knowledge of the regulatory requirements to identify critical regulatory issues.

Eric has also previously worked as a consultant where he specialized in data-driven regulatory compliance assessments and analysis, leveraging extensive experience in program execution, regulatory compliance, client relations, record inspection, team coordination, needs assessment, and strategic and operational goals and how to achieve those goals.

Eric's other experiences include:

  • Significant experience examining Compliance Management Systems, including Board and management oversight, compliance program (policies, procedures, incentive compensation plans, and training), consumer complaint resolution, compliance audit, and vendor management.
  • Served as a Guarantor and Lender Review Specialist with the United States Department of Education. Before that, he had a variety of roles with increasing responsibility at General Electric.
  • Began his career with distinguished service with the U.S. Air Force and later the U.S. Army.
  • Master of Science degree from the University of Illinois in Accountancy, a Master of Science degree in Business Information Technology with a concentration in Accounting Information Systems from DePaul University, a Master of Science degree in Data Science (formerly Predictive Analytics) from Northwestern University, a Master of Science degree in Computer Information Systems from Northwestern University, an MBA from Bellarmine University and a Bachelor of Science from the University of Louisville.

Fast. Scalable. Flexible.

Our strategic expertise is paired with a world-class staff augmentation capability that can scale up quickly using our vast network of compliance practitioners, ex-examiners, and industry professionals who have all previously operated in roles at banks, Fintech companies, and regulatory agencies.

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About Guideline

We’re a consulting firm with a difference. Whether you need a few hours of strategic advice or staff for a large headcount project, we have the network and expertise to deliver.

Our goal is to ensure every company facing regulatory scrutiny has access to the expertise and staffing they need. Guideline can help whether you are preparing for an exam, handling an MRA or working to resolve a consent order.

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We have experts at all levels of experience available now to advise or staff your project.