Banking Expert Witness | Lending & Bank Operations

Specialties & Experience of this Expert Witness

Additional Information

EXPERT WITNESS & CONSULTING PRACTICE | PLAINTIFF AND DEFENSE Provides independent expert witness and consulting services in litigation, arbitration, regulatory, and pre-litigation matters involving banking operations, lending practices, credit administration, regulatory compliance, fraud, internal controls, and regulatory expectations applicable to financial institutions. Accepts engagements from plaintiff and defense counsel, financial institutions, businesses, and private parties in both testifying and consulting capacities. Representative engagements commonly include evaluation of banking policies and procedures, institutional conduct, transaction records, loan files, internal controls, regulatory guidance, and industry practices to determine whether actions were consistent with accepted banking standards under the facts and circumstances presented. REPRESENTATIVE SUBJECT MATTER AREAS • Bank operational, lending, and credit-administration industry standards. • Funds movement, payment processing, and customer transaction disputes • Real estate closing, title-company, and settlement-agent banking issues • Loan origination, documentation, and consumer-disclosure practices • Foreclosure, collateral recovery, and bank-owned asset disposition PROFESSIONAL HIGHLIGHTS • More than 40 years of executive banking experience spanning community and regional financial institutions. • Former Chief Lending Officer, Division President, Market President, Senior Vice President, Director of Mortgage Lending, and Loan Committee Chair. • Executive responsibility for retail banking operations, residential mortgage lending, commercial lending, consumer lending, credit administration, internal controls, fraud prevention, and regulatory compliance. • One of the five most senior executive officers of a publicly traded financial institution. • Primary management representative during federal regulatory examinations involving lending and credit administration. • Bank-designated litigation representative in depositions and trial testimony. • Experience testifying in United States District Court, United States Bankruptcy Court, Arkansas state courts, and federal grand jury proceedings. • Retained nationwide as a banking expert witness involving accepted practices, banking operations, lending practices, payment systems, fraud, and regulatory compliance. AREAS OF EXPERTISE Banking Operations & Standards of Care • Banking Standards of Care and Generally Accepted Banking Practices • Retail Banking Operations and Internal Controls • Payment Systems, Funds Movement, and Consumer Transaction Processing • Wire Fraud, Business Email Compromise, and Recall-Request Handling • Negotiable Instruments, Check Processing, and Check Fraud (UCC Articles 3 & 4) • BSA/AML Compliance, Customer Authentication, and Branch-Level Fraud Prevention • Identity Fraud Prevention and Customer Identification Program (CIP) • Elder Financial Exploitation Detection and Bank Response • Institutional Governance and Operational Controls Lending and Credit Administration • Residential Mortgage Lending Practices • Commercial, Construction, and Consumer Lending Practices • Consumer, Commercial, and Mortgage Credit Administration • Credit Underwriting, Credit Report Analysis, and Borrower Capacity Verification • Loan Documentation and Disclosure Practices (TRID, RESPA, TILA, Fair Lending, Ability-to-Repay) • Real Estate Closing Funds Flow and Coordination with Title and Settlement Agents • Commercial Loan Workout, Forbearance, and Loss Mitigation Practices • Loan Default, Collection, and Lender Reliance on Borrower and Third-Party Representations • Foreclosure, Collateral Recovery, and Disposition of Bank-Owned Assets • Insider Transactions, Regulation O, and Conflicts of Interest in Lending