Meet Our Staff

Darlia Fogarty brings a wealth of knowledge and practical experience to our banks as well as our staff. After 12 years as a commissioned national bank examiner with the OCC, Darlia developed an expertise in compliance while administering examinations in banks of all sizes. She contributed as a member of the Retail Credit Team, with a Compliance Designation. Darlia also 10 years of experience as a compliance officer/auditor and 4 years as a compliance/audit consultant.

Darlia has spoken at a number of conventions, meetings and schools throughout the years. Her articles can be found in State Banking Association magazines, Compliance Alliance newsletters and several other publications. Darlia oversees the creation of tools and resources while also fielding questions from a wide range of regulatory and compliance issues faced by banks of all sizes. Part of the travel team at C/A, she can often be found speaking at compliance schools and conferences.

Victoria E. Stephen serves as Senior Vice President and Deputy General Counsel for Compliance Alliance. Since joining C/A in 2015, Victoria’s played a role in various facets of the organization, including leading our team of hotline attorneys and compliance officers, developing new products for members, and trainings, both internal and external. She was the first editor of ACCESS magazine and took a leading role in the website development team. Victoria has spoken at a number of compliance conferences and schools, and written for many national and state banker publications, including our own ACCESS magazine.

While working toward her B.B.A. in Finance from The University of Texas McCombs School of Business, Victoria developed a passion for banking and compliance during an internship with a community bank in South Texas. She continued her interest at The University of Texas School of Law, becoming a licensed attorney in the state of Texas. Victoria has both her CRCM, the CCBCO, as well as the SWGSB.

In her career, Victoria has worked in the consulting industry, counseling some of the nation’s largest banks on all matters involving regulatory risk, compliance, and controls. Her experience includes advising on the design of compliance risk management programs and a variety of enforcement action remediation efforts for institutions with assets over $100 billion.

Elizabeth is the Vice President of Compliance Operations and Deputy General Counsel at Compliance Alliance. In the past, she served as both the Operations Compliance Manager and Enterprise Risk Manager for Washington Federal Bank, a $16 billion dollar organization headquartered in Seattle, WA. She has industry expertise and real-world solutions surrounding bank-enterprise initiatives and knowledge of contract law and bank regulatory compliance. An attorney since 2010, Elizabeth was a Summa Cum Laude, Phi Beta Kappa, Delta Epsilon Sigma graduate of Saint Michael’s College in Burlington, VT, and a Juris Doctor from Valparaiso University School of Law in Indiana.

As the Vice President of Compliance Operations, Elizabeth oversees C/A’s Products and Services and plays an important part in all operational areas of C/A.

Julia A. Gutierrez serves as C/A’s Director of Education; developing curriculum and presentations, as well as presenting at various schools and seminars; both live and in a livestream/hybrid format. Julia has over 20 years of financial industry experience to the Compliance Alliance team. She began her career in banking in 2000 while receiving her Bachelor of Business Administration degree in Finance from the University of Alabama. Her compliance knowledge and understanding derive from her combined experience in community banks and consulting. Ms. Gutierrez served as a Risk Management and BSA Officer, assisted in the development of an enterprise wide risk management and compliance program for a de novo institution, assisted in the compliance remediation efforts for an institution who was referred to the DOJ, held positions in retail and branch management, and was a Senior Compliance Advisor for a large regulatory compliance consulting firm.

In addition, Julia also joins the Hotline from time-to-time where her experience is invaluable as a resource. She also is one of our featured authors for both the monthly B/A Access magazine and for articles published by state bankers associations across the nation.

Daniel Baker serves C/A as Associate General Counsel. He attended Michigan State University College of Law. During law school, he worked in a variety of compliance and legal positions for software companies, and Allpine Title. He also holds a Bachelor of Science in Business Management from Utah Valley University. Dan is one of our go-to presenters for webinars, both B2B and Monthly Training Webinars, and is one of our featured authors for ACCESS magazine.

Most recently, he worked for a local law firm based in Temple, TX. Before law school, Daniel worked in various jobs within the financial sector, including a supervisor role at TCF Bank and as a Private Client Banker for JPMorgan Chase Bank. In addition to his professional career, He’s developed and conducted hundreds of seminars and educational classes based on financial independence, as well as a host of other topics.

Erin serves as Associate General Counsel for Compliance Alliance. Erin graduated magna cum laude from Loyola University New Orleans with a Bachelor’s degree in Psychology and a Bachelor’s degree in English She earned her Juris Doctor from Saint Louis University School of Law. Erin began her career working in family law and estate planning, where she deepened her passion for helping provide others with security through financial clarity.

Erin’s experience in family law has led her to develop resolutions for a myriad of day-to-day financial issues and situations. While obtaining her law degree, Erin geared her studies towards business and financial subjects within the law, such as transactional drafting, bankruptcy, and securities trading. Erin also has experience preparing estate plans and other asset disposition documents, providing recommendations to implement customers’ long-term needs and goals.

Steven Ross, CRCM, serves C/A as a Compliance Officer. Steven began his banking career about 20 years ago, then moved into a regulatory compliance role with the Office of the Comptroller of the Currency in 2006 as part of their complaint response team. He’s held various compliance positions at banks ranging from 150M to nearly 30B in assets. Steven holds a B.B.A. Management from Texas Tech University and completed the ABA National Compliance School in 2008.

Most recently, he served as Compliance Officer where he managed compliance activities for multiple divisions operating as separate community banks under the bank holding company. Steven also helped in the development of the compliance program for a small community bank that involved creating policies and procedures, training materials, as well as monitoring and testing tools to assist with risk management and compliance oversight activities.

His diverse background in regulatory compliance adds great value to the Compliance Alliance team. In addition, Steven is one of B/A’s featured authors.

Roger Morris serves C/A as an Associate General Counsel. Roger brings a combination of unique experiences to C/A that he uses to provide guidance on a wide variety of regulatory and compliance issues. Prior to C/A, he worked for one of the largest law firms in the south central United States based in its Lexington, KY office where he was a member of the firm’s Real Estate and Lending Team. In that role he concentrated his practice on commercial lending transactions and the sale, acquisition, leasing, and development of commercial property. Roger also counseled clients on banking law, estate planning, estate and trust administration, and general business matters. He holds a CIPP.

Roger graduated from the University of Kentucky College of Law where he served as Managing Articles Editor of the Kentucky Law Journal, the state’s premier law publication. During law school he worked for the Kentucky Personnel Cabinet where he worked on a variety of compliance and policy issues. He also graduated summa cum laude from the University of Kentucky with a Bachelor of Arts in Economics.

Theodore Kelly serves as Associate General Counsel for Compliance Alliance. He holds a Bachelor’s Degree in Political Science from The Ohio State University, a Master’s in Business Administration from Franklin University, and a Juris Doctor from Capital University Law School. Theo began his professional career serving in the United States Marine Corps in communications security and, later, the Ohio Army National Guard as a Military Police Platoon Leader. More recently, Theo served as first-line of defense at the largest bank in the world from 2015 – 2017 and led Ethics & Compliance operations at a Texas-based Fortune 500 company from 2017 – 2021.

Theo’s professional pursuits include competently guiding business leaders in all matters of regulatory compliance, learning and sharing ways in which blockchain technology can positively impact business operations, and writing publications related to emerging technologies in the legal, risk, and compliance spaces. For B/A, he will be writing monthly for our various publications, including ACCESS magazine.

Brittney Stacey started at a community bank in Louisiana where she worked for four years, overseeing everything from deposit and lending ops to teller management. After moving to Austin, TX, she worked in real estate leasing and sales until she accepted a position on C/A’s membership team, where she worked her way up to her Director title.

As the Director of Membership Experience, Brittney wears many hats. While chiefly responsible for growing the Bankers Alliance family of members, she also oversees sales, administrative operations, and partner communications. In addition, she has a hand in the Marketing Committee, where she helps guide brand growth and management.

Alycia Estrada joins Bankers Alliance as an Administrative Assistant. Alycia started her career in healthcare until she moved to Charlotte, North Carolina, where she ventured into a new role as an administrative assistant. After relocating to Austin, Texas, she continued in administrative operations, working as an Office Administrator within the automotive industry. Alycia’s energy and support is a great asset to B/A’s client relations, back office procedures and processes, vendor management, and operational oversight.

Stevie generates the marketing for B/A’s larger outreach efforts, including copywriting, design, production and distribution for all social media channels, email campaigns, conferences, collateral and investor programs. Along with the marketing for Compliance Alliance and Review Alliance, he also provides marketing materials to 32 state bankers associations, both on- and offline. In addition, Stevie art-directs B/A Access magazine.

Black attended PCA in Photo/Film (now UArts) and later, SMFABoston in printmaking. Though most of his career has been in the communication arts in one capacity or another; from managing photography labs to freelance design and writing for print brokers, and product marketing – his first foray into digital marketing was in 2007 as creative director for a search-focused digital marketing group north of Boston.

Royce Price, CCBTO, CCBIA, is a Producer & Video Coordinator for B/A. His early career was centered around the fast-paced and technology-laden television industry where he was an Engineering Manager. His eclectic background also gave him experience in banking operations, education, and technology. In the past, his work involved coordinating and distributing training and education to large groups of individuals; ensuring all requirements were met. He also has extensive experience in transmitting data for large clients for broadcasting including pre-recorded and live events.

Royce has been a vital part of Bankers Alliance’s livestream/ hybrid/ live event recordings since 2020. He’s also the counterpoint for all of our inhouse. His vast technology knowledge base, including cybersecurity, makes him a versatile member of our team.

Scott Daugherty serves as the President & General Counsel for Bankers Alliance. Through Bankers Alliance, he oversees Compliance Alliance and Review Alliance. Scott was an integral part of Compliance Alliance’s startup and growth from its inception in 2011 and has been integral to the start-up of Bankers Alliance in 2018. Prior to Compliance Alliance, he joined the legal staff of the Texas Bankers Association in 2003, serving as the primary contact for the legal and compliance hotline, while also tackling legislative issues.

Scott brings a combination of community and regional bank experience along with his legal expertise. Prior to law school, Scott enjoyed a career in banking with a broad background that includes retail and branch management, and consumer and commercial lending responsibilities. He is one of the leading bank regulatory compliance and legal experts in the nation.

Scott is a frequent and sought-after speaker on bank compliance, regulatory and legal topics. He has spoken at numerous banking and legal conventions, schools, conferences, seminars and other events. Scott is consulted regularly by the banking industry, regulatory agencies and legislators. Scott has also written numerous articles for prominent banking publications, including many state bankers associations’ publications.