Matt Oehm is a Strategy & Management Consultant based in the San Francisco Bay Area. He previously worked at a consulting, financial services, & FinTech firms, specializing in enterprise risk & regulatory compliance.
Hi! My name is Matt Oehm, a trusted advisor in mitigating compliance and regulatory risk among financial services and FinTech companies. I bring experience from organizations of various size (startups to global banks) across functions such as enterprise risk, compliance, and financial operations. With 8+ years of experience in analyzing risks and managing/identifying risk mitigation strategies within financial services and FinTech organizations, my goal is to balance the enhancement of operational efficiencies while maintaining regulatory compliance in evolving companies, industries, and regulatory environments.
Consulting
2016-2020 | 2024 - Present
From 2016 to 2020 and again from 2024 to the present, I have had the privilege of leading consulting engagements in the financial services and tech industries. My experience spans a range of high-impact projects, from conducting internal audits and risk assessments for large financial institutions to developing comprehensive compliance programs for both established firms and emerging tech startups. I have specialized in the Banking and Capital Markets sectors, advising clients on complex regulatory matters such as CCPA/GDPR privacy risks, corporate compliance, and key regulations including Dodd-Frank, CCAR, and Model Risk. I’ve also assisted in the creation of a Rapid Assessment Compliance Solution for financial services firms, addressing over 20 high-priority regulations. My work has extended to the tech world, where I have helped shape risk management frameworks for a global technology leader’s FinTech division and strategic guidance for AI-driven firms optimizing their AML solutions. Throughout my consulting career, I’ve consistently partnered with organizations to refine their regulatory compliance processes, implement effective technology solutions, and enhance their overall risk management capabilities.
FinTech & Crypto
2021-2023
Between 2021 and 2023, I had the opportunity to work with dynamic Crypto Exchange and FinTech firms, where I honed my expertise in risk management, compliance, and operational controls in these new, technology-driven spaces. I oversaw risk management for Financial Operations at a Crypto Exchange, collaborating closely with cross-functional teams to identify and resolve risks, while enhancing internal controls. I spearheaded the creation of the company’s first issue management framework, streamlining the process for tracking and resolving operational issues. Additionally, I led risk assessments for key business initiatives, products, and services, ensuring risk-based decision-making across the organization. I was instrumental in guiding firms through successful SOC 1 and SOC 2 Type 2 exams, working alongside internal teams and external auditors. My work in compliance also included developing and implementing a comprehensive program for an emerging FinTech startup, establishing critical policies, procedures, and transaction monitoring protocols. These efforts included overseeing the filing of Suspicious Activity Reports (SARs) and ensuring consistent, efficient reporting to regulatory bodies. My role in these firms provided valuable insight into navigating the unique challenges and regulatory demands of the rapidly evolving FinTech and crypto industries.
Global & Regional Banks
2020-2021 | 2023-2024
From 2020 to 2021 and again from 2023 to 2024, I gained invaluable experience working with global and regional banks, where I contributed to high-stakes internal audits and regulatory compliance initiatives. I collaborated with cross-functional teams and global auditors to address regulatory concerns from US authorities (OCC, SEC, CFTC) and EMEA regulators (BaFin), demonstrating a strong ability to navigate complex, cross-jurisdictional environments. In my role at a global bank, I led internal audits and business monitoring for Capital Markets, focusing on key regulations such as Swap Dealer compliance, Volcker Rule, and Risk Management Programs. I also drove quarterly business monitoring for the Volcker Rule, working closely with senior leadership. Additionally, I specialized in areas such as BSA/AML compliance, Privacy (CCPA/GDPR), and NACHA, overseeing internal audits and audit planning to ensure alignment with regulatory and organizational standards. Beyond technical expertise, I played a key role in training and mentoring new hires, building a strong compliance team and streamlining audit processes. This experience has equipped me with a deep understanding of banking regulations and a proven track record of fostering compliance in dynamic, high-pressure environments.
About Me
With extensive experience across financial services, FinTech, and global banking, I bring a unique blend of expertise in risk management, regulatory compliance, internal audits, and strategic consulting. Over the years, I have worked with prominent global and regional banks, as well as dynamic FinTech and crypto exchange firms, where I have led complex initiatives ranging from developing compliance programs to conducting high-level risk assessments. I specialize in regulatory frameworks, including Dodd-Frank, CCPA/GDPR, and anti-money laundering (AML) practices, and have successfully navigated cross-jurisdictional regulatory environments in the US, EMEA, and beyond. My work has involved collaborating with senior leadership to ensure risk-based decision-making, managing transaction monitoring programs, and enhancing operational controls to meet the evolving demands of the industry.
Beyond my technical skills, I am known for my ability to build strong, cross-functional teams, mentor colleagues, and foster a culture of compliance and operational excellence. Whether managing compliance efforts for a startup or advising large institutions on regulatory challenges, I am passionate about driving impactful change and helping organizations thrive in complex environments. As I continue to grow in my career, I am eager to bring my broad expertise and strategic vision to a company that values long-term growth, collaboration, and innovation.
As for my diverse career journey, I’ve experienced a lot of change in the past few years, which has made my career path appear a bit like a rollercoaster ride. The global pandemic, coupled with sector-specific recessions, layoffs, and unexpected circumstances, led me to pivot and explore new opportunities. Add to that a cross-country move and a major life event — getting married — and you have a recipe for a few job transitions. However, I firmly believe that each experience has enriched my perspective and skill set, and now that I’m settled in the San Francisco Bay Area, I’m looking forward to finding a company I can truly call home for the foreseeable future.