Jan H. Aniel has more than 25 years of litigation experience, handling the defense of individual and complex commercial and consumer claims, primarily in the financial services sector, including nationwide class and representative actions.

With Offices in Charlotte, NC and Los Angeles,CA

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Jan H. Aniel has more than 25 years of litigation experience, handling the defense of individual and complex commercial and consumer claims, primarily in the financial services sector, including nationwide class and representative actions.

Consumer and Commercial Litigation Expertise

Consumer Banking Products	Financial Services Law	Consumer Debt Collection
E- Discovery Programs	Statutory Compliance	Anti-trust Compliance
Consumer Disclosures	Operational Advice	Banking Practices
Mortgages/ HELOCs	Environmental	Contract Disputes
Credit Bureau Reporting	ADR	Risk Assessments

Expense Control and Reduction Experience

Budget Forecasting	Bid/ RFP Processes	Vendor Management
Contract Drafting	Portfolio Integration	Law Firm Metrics
Negotiation	Mediation/Arbitration

                                                     

EMPLOYMENT :

Managing Director                                            JHA  Associates  ( 2009-present)

• Expert consulting service specializing in banking practices and litigation management techniques.

Assistant General Counsel                             Bank of America    (1987-2009)

• Led external and internal North America Consumer and Small Business litigation teams, including external and internal lawyers, paralegals, line of business associates and subject matter experts.
• Provided internal litigation support and litigation risk containment strategies for the credit/debit card, mortgage, trust and retail operations teams.
• Managed significant volumes of state and federal litigation, discovery, law and motion, certification and appellate practices, both as trial counsel and as supervising attorney.
• Developed collaborative and strategic case plans, risk assessments and preventive loss trending analysis for individual cases and high volume portfolios.
• Leveraged litigation outcomes into enhanced consumer and small business processes for mortgage, credit and debit card and retail banking operations clients.
• Forecast and managed external litigation budget exceeding $11million annually.
• Designed and implemented law firm performance reviews, expedited case resolution programs and RFP processes reaching year-over-year, multi-million dollar savings. Conducted associate performance reviews.
• Provided both written and oral on-going integrated litigation, regulatory compliance and operational risk advice to senior mortgage, home equity, card and operations lines of business partners and legal department managers.
• Developed training programs for paralegals and lines of business leaders.
• Analyzed legislation and participated in corporate communication/lobbying teams, including efforts on environmental legislation for safe harbors for lenders/trustees, ATM safety, consumer disclosures, credit bureau reporting, bankruptcy, mortgage closing requirements and Interchange.

Judicial Law Clerk    U.S. District Court, Central District, California   (1982-1983)

EDUCATION:

Bachelor of Arts, Cum Laude                 University of California, Los Angeles, CA
Juris Doctorate                                    University of Southern California Law Center

Admitted to the California Bar and various United States District Courts and Courts of   Appeal. North Carolina certification as court-approved mediator in process.  Provided expert testimony on the reasonableness of attorney's fees and on consumer banking practices.

Banking Practices Financial Services Consumer Banking Credit Bureaus Credit Bureau Reporting Identity Theft Legal Fees Attorney Fees Regulatory Compliance Regulation Z Regulation E Check Fraud Safety Deposit Boxes Credit Cards Credit Card Disclosures Credit Card Fees Credit Card Processing Atms Debit Cards Consumer Debt Debt Collection Practices Litigation Management Legal Risk Assessments E Discovery Cost Containment Strategies Contracts Atm Safety Arbitration Mediation

arbitration, atm safety, atms, attorney fees, banking practices, check fraud, consumer banking, consumer debt, contracts, cost containment strategies, credit bureau reporting, credit bureaus, credit card disclosures, credit card fees, credit card processing, credit cards, debit cards, debt collection practices, e-discovery, financial services, identity theft, legal fees, legal risk assessments, litigation management, mediation, regulation e, regulation z, regulatory compliance, safety deposit boxes