Compliance Team

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Our Compliance Team is a key differentiator for the lending industry.

    Carleton's Compliance Department is an integral part of our client support that is included with all of our software solutions.

    The department maintains a lending and credit insurance regulatory library of related lending and credit insurance for all states and the federal government. Over the years, our research team has established a positive working relationship with most federal and individual state regulators as it relates to accurate interpretation of the regulations. This type of collaboration with administrators dates back to when Carleton served on the Federal Reserve's Advisory Board during the implementation of Regulation Z in 1968. In fact, in 12 states examiners use Carleton custom-designed software to perform computational audits during state examinations.

    State-specific consumer credit laws and regulations are far from uniform and are interpreted differently by each legal authority responsible for enacting legislation. The mission of the Carleton Compliance Department is to ensure that our client's lending calculations are computed accurately and are regulatory compliant.

    Jeffrey C. Buysse

    Jeffrey C. Buysse

    Vice President of Compliance Services

    Jeff Buysse joined Carleton's research department in 1985 and has served as the director of research since 1991.

    His responsibilities include overseeing the compliant validation of the Carleton software products, loan calculation auditing, and validation services, and Carleton's consumer credit regulatory subscription service.

    Jeff regularly serves as a speaker/instructor at seminars and education classes for examiners related to calculation compliance for consumer lending.

    He is a graduate of Indiana University.

    Sarah Way Milovich

    Sarah Way Milovich

    Corporate Attorney & Compliance Associate

    Attorney Sarah Way has joined the Carleton team, bringing with her valuable legal background and expertise which includes business law, contract development and documentation, intellectual property regulations, property insurance law, and other litigation disciplines.

    Sarah graduated with honors from Loyola University School of Law in 2013. Sarah graduated with a Bachelor of Arts in Political Science from the University of Notre Dame in 2009.

    "I came to know of Carleton through its reputation in the local, South Bend community," Sarah commented. "But it quickly became clear that Carleton is a compliance leader in the area of consumer finance. I'm thrilled to be joining Carleton as they continue to grow and thrive in the industry."

    "Sarah will add tremendous legal expertise to our compliance research department," stated Pat Ruszkowski, CEO of Carleton. "The addition of Sarah Way demonstrates Carleton's long-term commitment to provide lenders with expert solutions and support that will meet the ever-changing compliance landscape. We intend to enhance our compliance leadership position so that we can continue to help drive the success of our customers and earn their satisfaction and trust."

    Brian Kelly

    Brian Kelly

    Compliance Associate

    Attorney Brian Kelly brings with him a diverse legal background and expertise which includes business law, regulatory & compliance review, contract review, business documentation, and other litigation disciplines. Brian graduated from Colorado College in 2001. He graduated thereafter from the St. Louis University School of Law in 2013.

    "The opportunity to join Carleton, Inc. has been exciting and professionally satisfying because of Carleton's unique niche in the lending industry and their positive workplace culture," Kelly said. "Once I came aboard, I discovered an innovative, fresh, and dynamic team that is developing next-generation software to tackle market inefficiencies and to ensure Carleton remains a leader in the financial lending sector."

    "Brian's addition further strengthens the Carleton Compliance & Research team which already features an unsurpassed level of expertise not found within any other organization in our industry," stated Pat Ruszkowski, CEO of Carleton. "The addition of Brian Kelly demonstrates Carleton's strong commitment to providing lenders with expert solutions and support to successfully adapt to the constant changes in the compliance landscape."