Joy Feigenbaum is Senior Vice President and Deputy General Counsel at Santander US. In that capacity, Joy provides advisory services on best practices from a consumer practices and regulatory lens to the consumer-facing businesses in Santander’s US operations, including Santander Bank NA, Santander Consumer USA, Banco Santander Puerto Rico, Banco Santander International and Santander Securities LLC (a broker-dealer). She also supports Fair Banking, UDAAP/UDAP, Fair Lending and other consumer practices requirements across the consumer-facing businesses. Joy serves as General Counsel to Santander’s U.S. Office of Consumer & Business Practices (US OCBP) and provides subject matter expertise for Santander US’ proactive Americans with Disabilities (ADA) work. Prior to serving in her current role, Joy was Senior Vice President and Director of Santander’s US OCBP from August 2017 when she joined Santander until March 2018.
Before joining Santander, Joy served for six years as Executive Deputy Superintendent at the New York State Department of Financial Services (“DFS”) in charge of the Financial Frauds & Consumer Protection Division. The Division included units responsible for: Civil Investigations, Criminal Investigations, Disciplinary (administrative hearings for insurance producers); Consumer Assistance (including Consumer Complaints, Producer Investigations, and External Appeals from health insurance denials), Consumer Examinations (conducting Fair Lending, Consumer Compliance and Community Reinvestment Act examinations of depository and other financial institutions, and responsible for the Banking Development District Program), Student Protection, Producer Licensing and the Holocaust Claims Processing Office. Joy also worked on the New York Financial Services Law, the legislation that merged the New York State Banking and Insurance Departments to form DFS in 2011.
Before joining DFS (and brief stints at the NYS Insurance Department and Banking Department while working on the DFS merger), Joy served for fourteen years at the New York Attorney General's Office, where she was Special Deputy Attorney General in charge of the Consumer Frauds & Protection Bureau. She led major investigations into consumer frauds, deceptive practices and false advertising, including then Attorney General Cuomo's first-in-kind investigation of the student loan industry, as well as many industry-wide investigations involving life, health, disability and worker's compensation insurance, mortgage fraud, and credit and debit card practices, among others. Her consumer advocacy at the Attorney General's Office also included work on the states' litigation against the tobacco industry, culminating in the Master Settlement Agreement and subsequent tobacco enforcement cases.
Prior to her service at the Attorney General's Office, Joy worked in private litigation defense practice focusing on general commercial, banking, insurance, reinsurance, product liability, antitrust and health care litigation and advisory work. Joy is a member of the bars of the State of New York, the U.S. District Courts for the Southern and Eastern Districts of New York, and the U.S. Supreme Court. She earned a B.A. in History and proficiency degree in French from Rutgers College where she graduated with highest honors, and her J.D. from the University of Pennsylvania Law School.