Banking Expert Witness|Lending & Bank Operations

Specialties & Experience of this Expert Witness

Additional Information

PROFESSIONAL SUMMARY Independent expert witness and former senior banking executive with more than 40 years of progressive executive responsibility in community and regional financial institutions. Career roles include Chief Lending Officer, Division President, Market President, Senior Vice President, and Director of Mortgage Lending, with institution-wide responsibility for retail banking and deposit operations, residential mortgage lending, commercial and consumer lending, credit administration, internal controls, regulatory compliance, and fraud prevention. Executive oversight has encompassed the full range of operational, lending, and consumer-facing functions through which deposits, payments, and funds movement are conducted in a community and regional banking environment. Direct involvement in federal regulatory examinations, in litigation as a designated bank representative, and in the disposition of foreclosed and bank-owned assets. Engaged by retaining counsel to provide independent analysis and expert opinion on banking practices, standards of care, operational conduct, lending practices, and causation issues in litigation and arbitration. Work commonly includes document-intensive review, identification of relevant banking policies and procedures, comparison of institutional conduct to accepted practices, and preparation of opinions for report, deposition, and trial purposes. AREAS OF EXPERTISE Representative and non-exhaustive, based on professional experience. Banking Operations and Standards • Generally Accepted Banking Practices (as informed by regulatory guidance, institutional policies, and examiner expectations) • Retail Banking Operations and Internal Controls • Retail Deposit Operations, Teller Functions, and Customer-Service Activities • Payment Systems, Funds Movement, and Consumer Transaction Processing • Negotiable Instruments and Check Processing; Endorsement Verification and Check Fraud (UCC Articles 3 and 4) • BSA/AML Compliance, Customer Authentication, and Branch-Level Fraud Prevention • Identity Fraud Prevention and Customer Identification Program (CIP) Practices • Wire Fraud, Business Email Compromise, and Recall-Request Handling • Elder Financial Exploitation Detection and Bank Response • Institutional Governance and Standards of Care Lending and Credit Administration • Residential Mortgage Lending Practices • Commercial, Construction, and Consumer Lending Practices • Consumer and Commercial 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 Litigation Support and Standards Analysis • Banking Standards of Care and Causation Analysis • Damages and Mitigation Analysis in Lending and Banking Disputes • Regulatory Examination and Compliance Practices • Litigation Support, Expert Reports, and Testimony Scope of Services Engagements may include initial case assessment, document and discovery review, preparation of written expert reports compliant with Federal Rule of Civil Procedure 26 (and analogous state rules), review and rebuttal of opposing expert reports, deposition testimony, trial testimony, and consultation on case strategy and demonstrative materials.