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Melanie is senior editor and Washington bureau chief of ThinkAdvisor. Her ThinkAdvisor coverage zeros in on how politics, policy, legislation and regulations affect the investment advisory space. Melanie’s coverage has been cited in various lawmakers’ reports, letters and bills, and in the Labor Department’s fiduciary rule in 2023. In 2019, Melanie received an Honorable Mention, Range of Work by a Single Author award from @Folio. Melanie joined Investment Advisor magazine as New York bureau chief in 2000. She has been a columnist since 2002. She started her career in Washington in 1994, covering financial issues at American Banker. Since 1997, Melanie has been covering investment-related issues, holding senior editorial positions at American Banker publications in both Washington and New York. Briefly, she was content chief for Internet Capital Group’s EFinancialWorld in New York and wrote freelance articles for Institutional Investor. Melanie holds a bachelor’s degree in English from Towson University. She interned at The Baltimore Sun and its suburban edition.
Relief could be coming: The SEC says it may soon look into modernizing the Advertising Rule.
American Citizens Abroad launches an online campaign to press lawmakers to act on the Tax Fairness for Americans Abroad Act.
FinCEN now includes convertible virtual currency payments among its definitions of email compromise fraud activities.
The bill would also make it easier for workers to save for retirement while repaying student loans.
The FBI receives nearly 17% more complaints in 2018 than in 2017, and nearly double the losses.
FINRA's Cook says innovation continues to pose new challenges for its members, and "it is essential that we as regulators keep pace."
The Equifax breach "revealed major gaps" in how agencies protect and use consumers' data, senators say.
On May 31, panelists will tackle such topics as ICOs, digital asset platforms and distributed ledger innovations.
There may be more than $100 billion in unclaimed retirement money, the GAO estimates.
Other regulatory priorities are expected to include cybersecurity, new advertising and cash solicitation rules by the SEC.
{ "author": { "name": "Melanie Waddell", "webUrl": "/author/profile/melanie-waddell/", "description": "Melanie is senior editor and Washington bureau chief of ThinkAdvisor. Her ThinkAdvisor coverage zeros in on how politics, policy, legislation and regulations affect the investment advisory space.\r\n\r\nMelanie’s coverage has been cited in various lawmakers’ <strong><a href=\"https://www.hsgac.senate.gov/wp-content/uploads/imo/media/doc/2016-02-24%20DOL%20Fiduciary%20Rulemaking%20Report_FINAL.pdf\" target=\"_blank\">reports</a></strong>, <a href=\"https://www.warren.senate.gov/imo/media/doc/2019.12.11%20Letter%20from%20Senator%20Warren%20to%20DOL%20on%20new%20Fiduciary%20Rule.pdf\" target=\"_blank\"><strong>letters</strong> </a>and bills, and in the Labor Department’s fiduciary rule in 2023. In 2019, Melanie received an <strong><a href=\"https://www.eddie-ozzie.com/go/2019-eddie-and-ozzie-awards/\" target=\"_blank\">Honorable Mention, Range of Work by a Single Author award</a> </strong>from @Folio.\r\n\r\nMelanie joined Investment Advisor magazine as New York bureau chief in 2000. She has been a columnist since 2002.\r\n\r\nShe started her career in Washington in 1994, covering financial issues at American Banker. Since 1997, Melanie has been covering investment-related issues, holding senior editorial positions at American Banker publications in both Washington and New York. Briefly, she was content chief for Internet Capital Group’s EFinancialWorld in New York and wrote freelance articles for Institutional Investor.\r\n\r\nMelanie holds a bachelor’s degree in English from Towson University. She interned at The Baltimore Sun and its suburban edition.\r\n\r\n ", "imageLarge": "https://secure.gravatar.com/avatar/53707a1cfbbc2d26a91a9733ebbee7e4?s=136&d=mm&r=g", "estimate": 142, "social": [ { "network": "twitter", "value": "@Think_MelanieW" }, { "network": "linkedin", "value": "" }, { "network": "facebook", "value": "" }, { "network": "googlePlus", "value": "" } ], "articles": [ { "uri": "/2019/09/23/advisors-social-media-use-surges-despite-compliance-challenges-413-161832/", "title": "Advisors' Social Media Use Surges Despite Compliance Challenges", "byline": "Melanie Waddell", "kicker": "Best Practices", "prettyDate": "September 23, 2019", "timeToRead": "3 minute", "image": { "uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/09/Evolution_Revolution_Chart1.jpg", "width": "1000", "height": "642" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [ { "uri": "/best-practices/", "sectionName": "Best Practices" } ], "summary": "Relief could be coming: The SEC says it may soon look into modernizing the Advertising Rule.", "body": null }, { "uri": "/2019/09/06/advocacy-group-wants-hearings-on-nonresident-tax-matters/", "title": "Advocacy Group Wants Hearings on Nonresident Tax Matters", "byline": "Melanie Waddell", "kicker": "News", "prettyDate": "September 06, 2019", "timeToRead": "2 minute", "image": { "uri": "", "width": "", "height": "" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [ { "uri": "/news/", "sectionName": "News" } ], "summary": "American Citizens Abroad launches an online campaign to press lawmakers to act on the Tax Fairness for Americans Abroad Act.", "body": null }, { "uri": "/2019/08/02/treasurys-crime-unit-updates-email-fraud-guidance-413-160471/", "title": "Treasury's Crime Unit Updates Email Fraud Guidance", "byline": "Melanie Waddell", "kicker": "Best Practices", "prettyDate": "August 02, 2019", "timeToRead": "2 minute", "image": { "uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/07/01_Phishing_Spam_Hacking_Crime_MI.jpg", "width": "616", "height": "372" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [ { "uri": "/best-practices/", "sectionName": "Best Practices" } ], "summary": "FinCEN now includes convertible virtual currency payments among its definitions of email compromise fraud activities.", "body": null }, { "uri": "/2019/05/15/new-retirement-bill-would-boost-rmd-age-to-75-413-158459/", "title": "New Retirement Bill Would Boost RMD Age to 75", "byline": "Melanie Waddell", "kicker": "News", "prettyDate": "May 15, 2019", "timeToRead": "4 minute", "image": { "uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/05/Cardin_Ben_BB_AlDrago_MI.jpg", "width": "616", "height": "372" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [ { "uri": "/news/", "sectionName": "News" } ], "summary": "The bill would also make it easier for workers to save for retirement while repaying student loans.", "body": null }, { "uri": "/2019/05/02/fbi-sees-big-rise-in-internet-crime-complaints-losses-413-158047/", "title": "FBI Sees Big Rise in Internet Crime Complaints, Losses", "byline": "Melanie Waddell", "kicker": "Analysis", "prettyDate": "May 02, 2019", "timeToRead": "3 minute", "image": { "uri": "", "width": "", "height": "" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [ { "uri": "/analysis/", "sectionName": "Analysis" } ], "summary": "The FBI receives nearly 17% more complaints in 2018 than in 2017, and nearly double the losses.", "body": null }, { "uri": "/2019/04/26/finra-launches-new-fintech-office-413-157857/", "title": "FINRA Launches New Fintech Office", "byline": "Melanie Waddell", "kicker": "News", "prettyDate": "April 26, 2019", "timeToRead": "2 minute", "image": { "uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/04/03_FINRA-Competency-Exam-IA-1018-MI.jpg", "width": "616", "height": "372" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [ { "uri": "/news/", "sectionName": "News" } ], "summary": "FINRA's Cook says innovation continues to pose new challenges for its members, and \"it is essential that we as regulators keep pace.\"", "body": null }, { "uri": "/2019/03/27/after-equifax-breach-gao-calls-for-tougher-rules-on-consumer-reporting-agencies-413-156987/", "title": "GAO Calls for Tougher Rules on Consumer Reporting Agencies", "byline": "Melanie Waddell", "kicker": "", "prettyDate": "March 27, 2019", "timeToRead": "3 minute", "image": { "uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/03/Equifax_HQ_Atlanta_AP_MI600.jpg", "width": "600", "height": "338" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [], "summary": "The Equifax breach \"revealed major gaps\" in how agencies protect and use consumers' data, senators say.", "body": null }, { "uri": "/2019/03/18/sec-to-hold-second-fintech-forum-413-156714/", "title": "SEC to Hold Second Fintech Forum", "byline": "Melanie Waddell", "kicker": "", "prettyDate": "March 18, 2019", "timeToRead": "2 minute", "image": { "uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/03/93-f-blockchain-616x372-Shuttterstock.jpg", "width": "616", "height": "372" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [], "summary": "On May 31, panelists will tackle such topics as ICOs, digital asset platforms and distributed ledger innovations.", "body": null }, { "uri": "/2019/02/21/more-irs-guidance-needed-on-unclaimed-401k-savings-gao-413-156045/", "title": "More IRS Guidance Needed on Unclaimed 401(k) Savings: GAO", "byline": "Melanie Waddell", "kicker": "", "prettyDate": "February 21, 2019", "timeToRead": "3 minute", "image": { "uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/02/283-f-money-telescope-201801112148-616x372-TS.jpg", "width": "616", "height": "372" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [], "summary": "There may be more than $100 billion in unclaimed retirement money, the GAO estimates.", "body": null }, { "uri": "/2018/12/27/regulatory-changes-to-watch-taxes-retirement-fiduciary-rules/", "title": "Regulatory Changes to Watch: Taxes, Retirement, Fiduciary Rules", "byline": "Melanie Waddell", "kicker": "", "prettyDate": "December 27, 2018", "timeToRead": "4 minute", "image": { "uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2018/12/03Eventide.jpg", "width": "600", "height": "337" }, "authors": [ { "webUrl": "/author/profile/melanie-waddell/", "name": "Melanie Waddell" } ], "kickerNode": [], "summary": "Other regulatory priorities are expected to include cybersecurity, new advertising and cash solicitation rules by the SEC.", "body": null } ] } }
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Download ResourceFrom Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download ResourceFrom Alogent
This info brief outlines important considerations and questions your team should take into account when evaluating a digital banking platform.
Download ResourceFrom Alogent
Download this white paper and learn how a software development kit (SDK) can help you meet your credit union’s digital banking goals by enabling custom alterations and augmenting an off-the-shelf product to meet specific goals without impacting the base product.
Download ResourceFrom Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download ResourceFrom Alogent
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Download ResourceFrom Alogent
Just as you’d recognize a loyal member when they walk into the branch, your digital banking platform should express the same familiarity as a friendly face. Download this eBook and learn how to bring a human touch to your digital member experiences in order to build member trust and loyalty.
Download ResourceFrom Alogent
Everyone talks about a seamless user journey and personalized banking services, but how does that become today’s reality for credit unions rather than just a goal? Download this white paper to find out how.
Download ResourceFrom Alogent
When selecting a digital banking platform, the questions you ask are critical and should tell your story. Many RFPs focus on features, functionality, and price, and although these are important points, consider asking more focused questions that align with your long-term strategy, such as the ones suggested in this white paper.
Download ResourceFrom Upstart
Uncover the journey of a Montana-based credit union as it navigates economic fluctuations, breaks traditional branch boundaries, and achieves efficient loan growth through a strategic partnership with a cutting-edge financial solution.
Download ResourceFrom Melissa
Did you know the risk for member turnover drops from 50% to 25% when a member has two or more products with your credit union?² This whitepaper outlines the critical role that clean data plays in helping your credit union retain and grow membership.
Download ResourceFrom GLIA
When it comes to your credit union’s contact center, Intelligent Virtual Assistants (IVAs) are essential but incomplete solutions for managing volume. Discover how to integrate IVAs into a broader digital member service strategy for maximum efficiency.
Download ResourceFrom Alacriti
Tap into the potential of real-time payments for small and medium-sized businesses (SMBs) and corporations. Discover insights and strategies on adoption rates, and opportunities for your credit union in this comprehensive report.
Download ResourceFrom Alacriti
Electronic Bill Presentment and Payment (EBPP) offers credit unions a number of benefits. Discover how to enhance member satisfaction, streamline payment processes, and more in this webinar brief.
Download ResourceFrom GLIA
These unmistakable signs indicate your credit union’s call center needs a modern overhaul. Stay ahead of the curve and elevate your member service experience today.
Download ResourceFrom Alacriti
Is your credit union looking toward real-time payments to modernize your services? This brief discusses technology enablers for real-time payments, clearing rules and message specifications, and customer support challenges in a real-time environment.
Download ResourceFrom Mortgage Capital Trading
Unlock the potential for your credit union members by optimizing your investor set. Learn how to maximize profitability, offer better rates, and enhance your market share.
Download ResourceFrom Brightwell
Discover how Dash Solutions and Brightwell collaborated to revolutionize cross-border payments for rural workers using the Dash mobile app. Read the case study now!
Download ResourceFrom Elan Credit Card
Does the value outweigh the risk? Review three key considerations when evaluating whether to invest in growing an internal credit card program or explore an outsourced solution.
Download ResourceFrom Upstart
Explore how a credit union strategically adapted to economic changes, achieving higher returns, flexible loan volumes, and gaining over 1,500 creditworthy members in just one year through a transformative partnership.
Download ResourceFrom Greenlight
Amidst a shifting financial landscape, it’s never been more important to retain members and attract the next generation of customers. In this white paper, discover how offering family-centric financial education can empower parents to raise financially literate kids, fostering loyalty and growth for your credit union.
Download ResourceFrom Brightwell
Explore the intricacies of credit card fraud with this comprehensive article. Learn about the varying types of fraud attacks and scams, their unique challenges, and multi-layered approaches to protect your credit union and members.
Download ResourceFrom Melissa
Many credit unions are in need of an improved onboarding process for their members as current processes are time-consuming, manual and lead to losing potential members. Learn how one credit union was able to quickly implement a solution that satisfies their compliance checks while verifying and approving customer submissions in seconds.
Download ResourceFrom Alkami
In 2024, the financial industry is clearly facing a radical transformation, and these challenges are altering the landscape as we know it. This playbook explores the opportunities and challenges that lie ahead for credit unions and the financial industry. Use it as a guide to gain a competitive edge in this new landscape.
Download ResourceFrom Mortgage Capital Trading
2024 is in full swing and experts are here to inform, predict and guide you through all of your most pressing 2024 housing market questions. This whitepaper will help you gain clarity and clear up future predictions in regard to the most important topics in the housing market right now.
Download ResourceFrom Elan Credit Card
Learn where consumers are applying for credit cards, what type of spenders they are, what features are most persuasive, and what smaller financial institutions should focus on to continue expanding their market share.
Download ResourceFrom Upstart
When Vantage West CU decided to prioritize a seamless digital experience and data-driven lending decisions, they knew the right partner was critical. Download this case study and discover how they diversified their loan portfolio, acquired 1400 new members in 6 months, and built in flexibility to withstand the economic cycles.
Download ResourceFrom Elan Credit Card
Customer payment expectations are shifting. Explore the top five merchant payments trends we’re watching in 2023 and learn how a partnership may help meet the needs of your members.
Download ResourceFrom Elan Credit Card
Nearly 33% of cardholders increased their credit card spending over the last six months, showing how critical credit cards are in today's economic environment.
Download ResourceFrom Elan Credit Card
Young adults are the future of your credit union. From college to home-buying, learn why credit cards are key to winning the loyalty of Gen Z and millennials.
Download ResourceFrom Elan Credit Card
With the current economic environment and rise in interest rates, credit unions may find the credit card market increasingly complex to operate internally. Learn why shifting from insourcing to outsourcing your credit card program can benefit your credit union.
Download ResourceFrom Elan Credit Card
A credit union’s ability to deliver the right products and services that best meet members’ daily needs is the most important factor in creating a superior member experience.
Download Resource