Whether proactive or prompted by a government investigation, clients seeking an attorney who offers tailored counseling on Financial Industry Regulatory Authority (FINRA) and Securities and Exchange Commission (SEC) compliance, risk management, and representation in federal financial fraud litigation and arbitration turn to Renée for guidance. Clients and colleagues alike enjoy working with Renée because of the passion and high energy she invests into each matter. "She is intelligent, thoughtful, and collegial," creating a positive environment for clients dealing with difficult and emotional situations. Most importantly, to ensure that her clients receive optimal value, "she exhibits excellent professionalism, writing and research skills, attention to detail, and good judgment."
With a dynamic regulatory environment, especially in light of a new administration and government agency leadership, Renée recognizes that keeping up with the law is difficult and costly, especially for smaller firms and individuals. Renée works with broker-dealer firms and representatives, investment advisor firms and representatives, directors and officers, banks, and other members of the financial industry to help them navigate the complex regulatory environment. She enjoys working with clients to devise appropriate policies and procedures and employ innovative strategies to any litigation or arbitration matter. Renée has experience in client matters before the SEC, FINRA, Office of the Comptroller of the Currency (OCC), and U.S. Department of Justice (DOJ). Drawing on her experiences and knack for problem solving, she demonstrates top-notch analytic capabilities that lead to creative solutions and arguments, unique to each case and client. For Renée, this always begins with asking the right questions.
In 2014, Renée won the national Kaufman Securities Moot Court Competition after arguing before U.S. Supreme Court Justice Samuel Alito and four federal judges. She advocated why a company’s forward-looking statement was not protected by the safe harbor provision of the Private Securities Litigation Reform Act. During her last year in law school, Renée represented investors in arbitration before FINRA through the law school's Investor Rights Clinic. While in the clinic, she handled claims involving the mismanagement of investment accounts such as mutual fund switching, churning, and other complex arrangements. In law school, she also worked at a national law firm focusing on commercial litigation and had the distinct honor of interning in the U.S. Court of Appeals for the Eleventh Circuit and U.S. Bankruptcy Court for the Southern District of Florida. In addition, Renée spent a summer interning in the Executive Office for U.S. Trustees in the DOJ.
Renée received her Juris Doctor with honors in 2014 from the University of Miami School of Law, where she was a member of the Charles C. Papy Moot Court Board and founding president of Miami's Federal Bar Association Student Chapter. She received her Bachelor of Arts in Political Science from Washington University in St. Louis and earned minors in Architecture and Institutional Social Analysis.
- Defended former chairman of Philadelphia area bank against TARP-fraud, investor fraud and back fraud charges brought by Justice Department, working in conjunction with the Special Inspector General for the Troubled Assets Relief Program (SIG -TARP) and the Internal Revenue Service (IRS). Trial resulted in a split verdict. Sentencing and appeal are pending.
- Convinced Securities Division of the Maryland Attorney General not to pursue action against off-shore company suspected of operating "pyramid scheme" in the United States.
- Before going to hearing, obtained favorable settlement for home builder client in matter before the Consumer Protection Division of the Maryland Attorney General after winning Motion to Dismiss on half of the claims alleged against client.
- Improved due diligence compliance for municipal securities underwriting groups after serving as independent consultant pursuant to SEC's order from Municipalities Continuing Disclosure Cooperation Initiative.
- Obtained favorable settlement with FINRA and prevented enforcement action from advancing for dual broker-dealer and investment advisor representative who engaged in outside business activity and selling away; settlement involved reduced suspension period and fine so that client could maintain his current employment.
- Convinced opposing counsel to drop complaint against former owner of broker-dealer firm in FINRA arbitration alleging malfeasance against the firm's broker-dealer representatives.
- Counseled registered representative client who received letter from FINRA regarding Form U4 disclosure obligation failures and prevented FINRA from pursuing enforcement action against client.
- Jeffrey Holik and Renee Kramer published in BISA Newsletter: Cross-Selling Remains a Key Strategy for Banks, So Let's Get It Right
- Renee Kramer comments in GARP Risk Intelligence: Regulators hold individuals accountable for conduct; FINRA fines anti-money-laundering officer in case against Raymond James
- Jeff Holik and Renee Kramer published in Financial Markets Association Newsletter
- Jeff Holik and Renee Kramer published in Law360: A Fiduciary Standard For Brokerage Firms May Be Inevitable
- Renee is a regular contributor to Play By The Regs, a blog providing commentary and practical insights on broker-dealer regulation, compliance and risk management.
Professional & Community Affiliations
- Virginia State Bar Association
- Federal Bar Association
- The Nonprofit Village, Board of Directors