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Compliance is built into everything we do

Compliance is a key driver of our culture and values, and is a responsibility that we take seriously. We work closely with our bank and technology partners to streamline and enforce compliance.

Customer onboarding compliance

Committed leadership

Our compliance team is led by  Chief Compliance Officer, Amanda Swoverland, who brings decades of experience to the team. Our legal team is led by Chief Legal Officer, Alex Acree, who also brings decades of experience to the team. They oversee our compliance, legal, risk, fraud, third-party risk management, and security functions.

Compliance and legal professionals make up more than 40% of Unit employees, but 100% of our team treats compliance as a personal responsibility.

Amanda Swoverland

Chief Compliance Officer

Amanda has built her career at the intersection of risk, compliance, and innovative financial services solutions. Over 20 years as a bank examiner, consultant, BSA officer, and Compliance Officer, Amanda has developed and articulated a philosophy that compliance departments can help clients build great products that embed rules and reduce frictions rather than being departments of “no.” 

Prior to joining Unit, Amanda spent nine years building and leading a team of compliance and risk professionals at Sunrise Banks, based in Minnesota. As Sunrise’s Chief Risk Officer, Amanda helped transform the organization into a highly regarded sponsor bank in the prepaid and fintech markets, serving innovative clients like Remitly, Gusto, and Self Lender. 

Amanda is a regular speaker at fintech and regulatory conferences, including LendIt, the Financial Health Network’s Emerge Forum, and FINEXT. She attended the Global Alliance for Banking on Values Leadership Academy and the Graduate School of Banking at Colorado’s Executive Development Institute.

Alex Acree

Chief Legal Officer

Alex has spent his career at the intersection of technology, finance, and law as an attorney, advisor, and investor in financial services and other regulated industries. He has deep experience counseling banks on regulatory matters, innovative technology companies through their lifecycles, and investment firms in connection with the formation and management of private funds.

Prior to joining Unit, Alex was a partner at Mitchell Sandler, a boutique financial services-focused law firm, where he advised clients on a wide range of legislative, regulatory, transactional, and corporate governance matters. Before that, Alex was Managing Director and General Counsel at Fenway Summer Ventures, where he served on the investment committee and invested in and advised fintech and regtech companies. Earlier in his career, Alex worked as a bank regulatory attorney at a global law firm.

Alex serves as a director on the board of FinRegLab, a nonprofit innovation center that tests new technologies and data to inform public policy and drive a more responsible and inclusive financial system. He holds a J.D. from Yale Law School, an M.B.A. from Yale School of Management, and a B.A. from Boston College.

Melanie LaPlante

BSA/AML Officer

Melanie brings 10+ years banking and financial services compliance experience as the BSA/AML Officer at Unit. She spent 8 years overseeing all aspects of the BSA program and supporting the successful launch of fintech partnerships at her previous employer.

Prior to joining Unit, she spent many years building BSA and AML programs at Sunrise Banks and TCF Bank. She has a strong knowledge of BSA/AML/OFAC regulatory requirements.

Chuck Muckenfuss

Advisor

Chuck is an advisor and investor at the intersection of finance and technology. He is active in the formation and evolution of for-profit and non-profit enterprises, including financial technology (fintech) companies, as well as a director of Grasshopper Bank.

He has more than 40 years of senior experience in the financial services industry, including as a Partner at Gibson, Dunn & Crutcher LLP, Senior Deputy Comptroller of the Currency, and Counsel to the Chairman of the Federal Deposit Insurance Corporation (FDIC). He is a recognized leader in the field of financial institution supervision and regulation.

Vinny Rezavker

Director of Compliance

Amanda has built her career at the intersection of risk, compliance, and innovative financial services solutions. Over 20 years as a bank examiner, consultant, BSA officer, and Compliance Officer, she has developed and articulated a philosophy that compliance departments can help clients build great products that embed rules and reduce frictions—rather than being departments of “no.”

Prior to joining Unit, she spent 9 years building and leading a team of compliance and risk professionals at Sunrise Banks in Minnesota. As Sunrise’s Chief Risk Officer, she helped transform the organization into a highly regarded sponsor bank in the prepaid and fintech markets, serving clients like Remitly, Gusto, and Self Lender.

Shahar Blumer

Head of Risk and Fraud

Amanda has built her career at the intersection of risk, compliance, and innovative financial services solutions. Over 20 years as a bank examiner, consultant, BSA officer, and Compliance Officer, she has developed and articulated a philosophy that compliance departments can help clients build great products that embed rules and reduce frictions—rather than being departments of “no.”

Prior to joining Unit, she spent 9 years building and leading a team of compliance and risk professionals at Sunrise Banks in Minnesota. As Sunrise’s Chief Risk Officer, she helped transform the organization into a highly regarded sponsor bank in the prepaid and fintech markets, serving clients like Remitly, Gusto, and Self Lender.

Krista Bentson

Director of Third Party Risk Management

Krista is a business, technology, and regulatory leader specializing in Third Party Risk Management. Her focus is on developing efficient risk adjusted solutions that consider business objectives at all phases of the third party risk lifecycle. She believes in marrying business needs with regulatory requirements to capture strategic advantages and maximize the value of third party relationship for the business and its partners.

Prior to joining Unit, Krista was Vice President of the Vendor Risk Assessment Program at Morgan Stanley where she was responsible for the management of third party assessment execution and continuous evolution of the program based on industry best practices, standard methodologies/processes, and technology. Krista also spent time as a consultant in PwC's Cybersecurity & Privacy practice where worked across industry verticals designing, assessing, and implementing third party risk programs for companies of all sizes.

Our bank partners

We rigorously vet our bank partners to ensure that they take compliance as seriously as we do. Partnering with multiple banks allows us to learn from industry leaders and implement best practices across all our partners and customers.

We're also building comprehensive tools that provide our bank partners with deeper insights and oversight into financial products being delivered.

Protecting
end-customers

We work closely with our clients, banks, and technology partners to ensure that end-customers understand the products they're getting and have a great experience.
Disclosures
Monitoring applications and transactions

Maintaining compliance

Our compliance team employs best-in-class tools and processes to enforce that our clients remain compliant.

Policies and procedures

We document the ways in which we operate and continuously execute our procedures to help maintain compliance.
Compliance management system
Audits and testing

Audits and testing

We are regularly tested by auditors, bank partners, and ourselves—and we extend that process to our customers.

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