Strategic Support for
High-Stakes Regulatory Work
Money Transmission Licensing Strategy
Develop and execute efficient licensing approaches aligned with your business model. We help you understand requirements, prepare applications, and navigate the licensing process across all states and territories.
Regulatory Examination Preparation
Prepare internal teams for state and federal regulator exams, including document readiness, process walkthroughs, and mock interviews. Hands-on support for regulatory examinations and inquiries at the federal and state level.
Board Advisory & Corporate Governance
Advise executive teams and boards on governance best practices, fiduciary responsibilities, and strategic oversight.
Compliance Process Optimization and Automation
We help clients assess and streamline their internal compliance operations. We identify manual, repetitive, or error-prone processes that can be optimized through technology. By combining regulatory subject-matter expertise with automation design, we will deliver tailored workflows that improve efficiency, reduce cost, and enhance auditability.
BSA/AML and OFAC Independent Reviews
Conduct reviews to ensure that companies are operating in accordance with the Bank Secrecy Act and Office of Foreign Assets Control (OFAC) requirements such that their policies and procedures are effective in minimizing money laundering and sanctions risks.
Business Plan and Policies / Procedures Drafting
Comprehensive business plan development and policy creation tailored to regulatory expectations. Our team ensures your documentation meets all regulatory requirements.
Regulatory Analysis for Product Launches
Evaluate new products and services for regulatory compliance before launch. We identify potential issues and help you structure offerings to meet compliance requirements.
Regulatory Deal Due Diligence
Comprehensive regulatory and compliance assessments for mergers, acquisitions, and strategic partnerships. We identify and evaluate regulatory risk, validate licensing posture, and confirm adherence to applicable compliance obligations to support informed transaction execution.
Elizabeth Kay
Senior Advisor
Elizabeth Kay is an executive with extensive experience in compliance risk management programs. She has over 30 years of industry experience and has held senior compliance, audit, finance, and project management positions at prominent financial services organizations, including Citigroup, American Express, Commerzbank AG, Royal Bank of Scotland, the Depository Trust & Clearing Corporation, and Lehman Brothers. Elizabeth's recent assignments include serving as the external CCO of a MSB, developing and executing AML risk assessments, and conducting independent reviews of various financial institutions. While in industry, she was responsible for the execution of regulatory compliance and financial crime risk assessments associated with banking, securities, derivatives, anti-money laundering, sanctions and fraud regulations. She has experience working with U.S. and European government agencies, including FRB, OCC, SEC, FINRA, NFA, NYDFS, Connecticut Department of Banking, European Central Bank, and BaFin.
Allie Hodorski
Chief of Staff
Allie Hodorski is a legal professional with expertise in business law, regulatory compliance, and emerging technologies. Holding both a JD and LLM in Business Law, Allie contributes to Change Agents’ mission of transforming compliance through AI-driven solutions. Prior to joining the team, Allie gained experience in AI and legal innovation through research on the intersection of law and artificial intelligence, including projects with Brooklyn Law School and the European Law Students’ Association. With a strong foundation in navigating complex regulatory frameworks, Allie is committed to helping organizations achieve the highest standards of compliance.
Kristi Diehl
Managing Director
Kristi Diehl, CAMS, is a seasoned compliance executive with over 30 years of experience in financial services, specializing in compliance, risk management, and operations. She has led the development and oversight of enterprise-wide compliance programs, guiding organizations through complex regulatory requirements and supervisory expectations. As a Chief Compliance Officer and BSA Officer, Kristi has overseen BSA/AML and OFAC programs, managed regulatory examinations and audits, and partnered with senior leadership and boards to strengthen governance and risk controls. She is a trusted advisor to organizations seeking effective, sustainable compliance solutions and operational excellence in highly regulated environments.
Eric Medoff
Managing Director
Eric is a strategic compliance leader operating at the intersection of developing regulation and transformative technology. Shaped by his time serving in the U.S. Government and managing risk for Fortune 500 companies, Eric empowers organizations to navigate rapidly evolving regulatory environments while maintaining shipping velocity. His expertise across fintech, cryptocurrency, and early-stage innovation makes him a trusted partner for founders seeking to translate regulatory complexity into decisive business action. Driven to enable responsible hypergrowth, Eric is dedicated to helping executives reduce uncertainty and build durable, scalable solutions in mission-critical environments.
Eric Medoff
Managing Director
Amita Wadhera
Consumer & Investor Protection Advisor
Amita Wadhera is a seasoned legal professional specializing in advisory, compliance, and risk management for companies in the blockchain, cryptocurrency, securities, and commodities markets. A former Assistant Attorney General, she led major securities fraud investigations and prosecutions, securing significant settlements and collaborating with federal regulators including the DOJ and SEC. Drawing on this deep regulatory experience, Amita helps clients navigate complex legal frameworks with clarity and confidence, ensuring they achieve their business goals.
Michelle Ann Gitlitz
CEO and Co-Founder
Michelle Ann Gitlitz is a visionary leader with a distinguished background in legal and compliance. With years of experience navigating complex regulatory frameworks across industries, Michelle founded Change Agents to simplify regulatory compliance through the power of AI and advanced automation. Her expertise spans traditional financial services, payments and cryptocurrency. She is a trusted partner for businesses seeking efficiency and accuracy in their regulatory compliance processes. Passionate about innovation, Michelle is dedicated to transforming how organizations tackle their most challenging compliance needs.
Our Team
We’re a team of compliance practitioners, strategists, and regulatory specialists supporting companies in complex, fast-moving markets. From fintech and payments to digital assets and stablecoins, we operate at the intersection of technology, regulation, and growth.
