Susan Krawczyk is a member of Sutherland's Financial Services Practice Group and focuses her practice on regulatory and compliance issues for broker-dealers and investment advisers in the retail, institutional and retirement markets. She works with firms in establishing marketing and compensation arrangements, developing sales programs, and implementing appropriate compliance systems and procedures. She has particular experience with firms involved in the sale and distribution of various investment products and programs, such as mutual funds, variable products, real estate investment trusts, business development companies and direct participation programs. Susan has been closely involved with numerous organizations in the establishment and reorganization of broker-dealer firms and has developed and conducted training programs for all levels in broker-dealer firms, including sales representatives, field supervisors, home office personnel and boards of directors. Susan represents clients before the U.S. Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). She also has served on FINRA's Variable Products Committee. Professional And Community Involvement · Member, American Bar Association · Member, The Virginia Bar Association · Member, National Society of Compliance Professionals · Member, Association of Life Insurance Counsel Recent Publications And Speaking Engagements · Author, "Broker-Dealer Regulation," Chapter 8: Customer Accounts and Chapter 9: Compensation, Practising Law Institute · Author, "Investment Adviser Regulation," Chapter 31: Financial Planning Under the Advisers Act, Practising Law Institute · Author, "Compensation Practices for Retail Sales of Mutual Funds," Journal of Investment Compliance (Spring 2004) · Author, "Reorganizing Insurance Company Separate Accounts Under Federal Securities Laws," ABA Business Lawyer (February 1991) · Author, "Regulation and Distribution of Variable Insurance Products," Chapter 11, NASD Regulation of Product Distribution · Speaker, Webinar: "Real Estate Funds and Alternative Investments: Impact of Recent FINRA Developments" (March 25, 2010) · Speaker, PLI's Fundamentals of Broker-Dealer Regulation 2009 (June 29, 2009) · Speaker, PLI: The ABCs of Broker-Dealer Regulation (2006-2009) · Speaker, Sutherland Securities Symposium (April 21, 2009) · Speaker, Sutherland Securities Symposium (July 31, 2008) · Speaker, ACLI Compliance and Legal Sections Annual Meeting (2005, 2007, 2008) · Speaker, Sutherland Independent Broker-Dealer Regulatory Forum (April 16, 2008) · Speaker, "Risk Management - What Have We Learned," NAVA 2006 Compliance and Regulatory Affairs Conference (June 25-27, 2006) · Speaker, ALI-ABA: Investment Adviser Regulation: Financial Planning After the Adoption of SEC Rule 202(a)(11)-1 (January 27, 2006) · Panelist, "Mapping the New Regulatory Landscape: What are the recent SEC, NASD and State regulatory developments and enforcement actions? What does it mean for you?" Variable Products Legal and Compliance Forum 2006 (January 18, 2006) · Speaker, NSCP National Membership Meeting, Broker-Dealer Books and Records Requirements (October 24, 2005) Industries Financial Services Retirement Products and Services News FOCUS Expansion Poses Headaches: Group
August 31, 2010 Compliance Reporter Legal Alerts Legal Alert: Illustration Disclosures Lead to Dismissal of Universal Life Insurance Class Action
November 29, 2011 Legal Alert: ERISA Participant Disclosure Will Not Violate SEC Advertising Rules
November 2, 2011 Legal Alert: SEC Seeks Input on Investment Company Act Exclusion for Mortgage REITs and Other Mortgage-Related Pools
October 17, 2011 Legal Alert: Last Minute FBAR Extensions for "Signature Authority Only" Filers - Making Sense of the Announcements
June 21, 2011 Legal Alert: FinCEN Extends FBAR Filing Deadline for Certain Officers and Employees - Does This Portend Changes?
June 3, 2011 Legal Alert: Summary of Selected Programs from SIFMA Compliance & Legal Division's 2011 Annual Seminar
April 15, 2011 Legal Alert: Resetting the FBAR: Foreign Financial Account Reporting Regulations are Finalized With Significant, But Not Always Helpful, Clarifications
March 4, 2011 Legal Alert: DOL Advisory Opinions Consider Fiduciary Issues
February 16, 2011 Legal Alert: Model Privacy Forms
January 11, 2011 Legal Alert: Significant Changes to FINRA's Know Your Customer and Suitability Rules to Take Effect in 2011
January 3, 2011 Legal Alert: Broker-Dealer Annual Audits and Accounting Standards: SEC and PCAOB Developments
December 21, 2010 Legal Alert: New York's Highest Court Approves STOLI Policy Sales
November 18, 2010 Legal Alert: DOL Finalizes New ERISA Disclosure Rules for Participant-Directed Retirement Plans
October 20, 2010 Legal Alert: Impact of Dodd-Frank Wall Street Reform and Consumer Protection Act on Broker-Dealers
August 16, 2010 Legal Alert: The Dodd-Frank Act: A New Era of Financial Regulation and the Implications for the Insurance Industry
August 3, 2010 Legal Alert: FINRA Issues Guidance for Broker-Dealers Participating in Private Offerings
April 29, 2010 Legal Alert: FINRA Proposes to Include More and Older Information on BrokerCheck
February 24, 2010 Legal Alert: Obama Administration Proposes Financial Crisis Responsibility Fee
January 15, 2010 Legal Alert: FINRA Restricts Internal Use Only Rules Through Enforcement Actions
January 6, 2010 Legal Alert: SEC Adopts Amendments to Advisers Act Custody Rule
December 17, 2009 Legal Alert: Haddock Update - Class Certification Granted
November 16, 2009 Legal Alert: Sutherland Finds That FINRA Sanctioned Far Less in 2008 Than in Previous Three Year
June 3, 2009 Legal Alert: SEC Issues Release Proposing Amendments to Rules Governing Custody of Client Assets by Investment Advisers
May 27, 2009 Legal Alert: Highlights From the 2009 SIFMA Legal and Compliance Annual Seminar
April 3, 2009 Legal Alert: Sutherland to Host Webinar on FINRA Sweep of Sales and Promotion of Non-Traded REITs
March 30, 2009 Legal Alert: Investment Adviser Developments: SEC Chairwoman and Treasury Secretary Offer Proposals for Regulatory Reform
March 27, 2009 Legal Alert: Regulation D Developments
March 5, 2009 Legal Alert: State Securities Regulators Propose an Agenda for Change, Will Not Take the Financial Crisis Lying Down
February 9, 2009 Legal Alert: Sutherland to Host Webinar on FINRA Sweep of Broker-Dealer Referrals of Investment Advisory Services
January 26, 2009 Legal Alert: Issues List for Broker-Dealers Responding to Financial Markets Events
October 9, 2008 Legal Alert: State Securities Regulators Discuss Developments and Initiatives
October 2, 2008 Legal Alert: Warnings About Replacing AIG Policies
September 29, 2008 Legal Alert: Sutherland to Host Conference Call on FINRA Sweep Examination of Auction Rate Securities
August 22, 2008 Legal Alert: FINRA Spring Securities Conference
June 23, 2008 Legal Alert: Is There a "Good Faith" Defense to Securities Fraud? Courts, the SEC and FINRA in Conflict
April 29, 2008 Legal Alert: Form ADV Part 2 Proposal
March 13, 2008 Legal Alert: FINRA Tells Members to Revisit Customer Statement and Web Site Descriptions of Auction Rate Securities Backed by Fixed Income Products and Temporarily Increases Maintenance Margin for Such Securities
March 6, 2008 Legal Alert: SEC Proposes to Amend Regulation S-P to Require New Client Information Safeguards and Allow Reps to Take Certain Client Information When They Change Broker-Dealer or Investment Adviser Firms
March 5, 2008 Legal Alert: FINRA Proposes Significant Changes to IM-3060 on Gifts and Entertainment
January 22, 2008 Legal Alert: SEC Posts RAND Corporation Report on Investment Adviser and Broker-Dealer Industry
January 9, 2008 Legal Alert: MSRB Notice 2007-32 - New Supervisory Requirements Under Rule G-27
November 13, 2007 Legal Alert: Sutherland to Host Conference Call on FINRA Sweep Examination of Life Settlements
November 13, 2007 Legal Alert: FINRA Fall Securities Conference
October 25, 2007 Legal Alert: Sutherland Study Finds That It Sometimes Pays to Litigate Against FINRA (Formerly NASD)
September 27, 2007 Legal Alert: Sutherland to Host Conference Calls on FINRA Sweep Examination of the Use of Professional Designations Involving Seniors and Retirees
September 12, 2007 Legal Alert: SEC Adopts Rule Prohibiting Fraud by Advisers to Certain Pooled Investment Vehicles
August 6, 2007 Legal Alert: FINRA Conducting a Sweep Examination of Pitches to Retirees and Section 72(t) Withdrawals
August 3, 2007 Legal Alert: NASD and NYSE Request Comments on Proposed Guidance Regarding Supervision of Electronic Communications
June 29, 2007 Legal Alert: SEC Seeks Comments on NASD and NYSE Proposed Business Entertainment Rules
June 1, 2007 Legal Alert: NASD Answers Frequently Asked Questions Regarding SEC Financial Responsibility Rules
April 12, 2007 Legal Alert: Summary of Selected Programs from SIFMA Compliance & Legal Division's 2007 Annual Seminar
April 3, 2007 Legal Alert: NASD Provides Guidance and Mandates Additional Procedures for Firms' Supervision of Representatives Transferring from Other Firms
February 21, 2007 Legal Alert: Unauthorized Use of CRD® to Conduct Pre-Hire Searches of Registered Persons Results in Several NASD Enforcement Actions
August 11, 2006 Publications Broker-Dealer Regulation, Chapter 8: Customer Accounts and Chapter 9: Compensation Compensation Practices for Retail Sales of Mutual Funds
Spring 2004 Posted with permission from the Journal of Investment Compliance "Reorganizing Insurance Company Separate Accounts Under Federal Securities Laws," ABA Business Lawyer (Feb. 1991) "Regulation and Distribution of Variable Insurance Products," Chapter 11, NASD Regulation of Product Distribution Events Webinar - Real Estate Funds and Alternative Investments: Impact of Recent FINRA Developments
March 25, 2010 PLI's Fundamentals of Broker-Dealer Regulation 2009
June 29, 2009 Sutherland Securities Symposium
April 21, 2009 Sutherland Securities Symposium
July 31, 2008 ACLI Compliance and Legal Sections Annual Meeting
July 9-11, 2008 ABCs of Broker-Dealer Regulation 2008
May 8, 2008 Independent Broker-Dealer Regulatory Forum
April 16, 2008 ACLI Annual Compliance and Legal Section Conference
July 11-13, 2007 PLI: The ABCs of Broker/Dealer Regulation 2007
May 10, 2007 2006 Compliance and Regulatory Affairs Conference
June 25-27, 2006 The ABC's of Broker-Dealer Regulation 2006
May 2, 2006 12th Annual Advanced ALI-ABA Course of Study
January 27, 2006 Variable Products Legal and Compliance Forum 2006
January 18, 2006 NSCP National Membership Meeting
October 24, 2005 American Council of Life Insurers Compliance Section Annual Meeting
July 12-15, 2005 |