IBAT's Compliance Team

Kelly Goulart
Regulatory Compliance Manager

Kelly Goulart began his career in banking in 1986 as an Internal Auditor and shortly thereafter moved into regulatory compliance. 

He has worked in banks and as a consultant in the areas of compliance and credit review. He has held the positions of Compliance Officer, Chief Operations Officer, Chief Financial Officer and Director. Goulart is a Certified Community Bank Compliance Officer.

Janie Daniel
Regulatory Compliance Adviser

Janie Daniel is currently working as IBAT’s Regulatory Compliance Adviser and brings nearly 30 years of banking experience to the team.  Her last position of 10 years was spent as the Loan Compliance Officer, Real Estate Appraisal Administrator and Credit Manager for a local Texas Community Bank.

Daniel attended Weatherford College and Tarleton State University. She holds the ICBA’s Certification for Community Bank Compliance Officer designation, ABA Certificate of Regulatory Compliance Management and is certified in Understanding Appraisals and Internal Evaluations for Lenders.