Ginger McCullough, CRCM, joined Sterling Compliance in the spring of 2021. She began her career with a mid-size institution in 2003 and gained valuable experience working through various functions of the bank. Ginger moved into a compliance oversight role in 2013 and is a product of the Dodd-Frank era where she developed a keen ability to effectively decipher and implement complex and rapidly changing regulations and develop helpful tools and compliance aids for affected departments. Most recently, Ginger served as the bank’s Compliance Officer, building and implementing a highly effective compliance risk management program that created operational efficiencies while ensuring adherence to consumer protection laws. She brings extensive knowledge of consumer protection regulations, sharp perspective and a particular passion for Fair Lending and CRA.