I am an independent banking expert witness and consultant with more than 40 years of executive banking experience in community and regional financial institutions. Throughout my career, I held senior leadership positions including Chief Lending Officer, Loan Committee Chair, Division President, Market President, Senior Vice President, and Director of Mortgage Lending.

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My executive responsibilities encompassed retail banking operations, residential mortgage lending, commercial and consumer lending, credit administration, payment systems, internal controls, fraud prevention, regulatory compliance, and federal banking examinations. I was responsible for developing and implementing banking policies, supervising operational and lending functions, managing regulatory examinations, directing lending-related litigation, and serving as my institution’s designated representative in depositions and trial testimony.

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Today, I provide independent expert witness and consulting services in litigation, arbitration, and pre-litigation matters involving banking standards of care, banking operations, lending practices, payment systems, fraud, regulatory compliance, and institutional governance. I am retained by plaintiff and defense counsel, financial institutions, businesses, and private parties to evaluate banking conduct, analyze complex financial transactions, prepare expert reports, and provide deposition and trial testimony.

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Representative engagements have involved wire transfer disputes, business email compromise (BEC) and payment fraud, mortgage lending, commercial and consumer lending, credit administration, foreclosure and collateral recovery, bank operational practices, internal controls, fraud prevention, regulatory compliance, title company and settlement agent matters, identity theft, elder financial exploitation, and institutional governance.

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My opinions are developed by applying accepted banking practices, applicable laws and regulations, regulatory guidance, industry standards, and more than four decades of executive banking experience to the facts and circumstances presented. Every opinion is independent, objective, and rendered without advocacy. Compensation is never contingent upon the opinions expressed or the outcome of any matter.

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I believe an effective banking expert witness should do more than explain banking procedures. My role is to help attorneys, judges, and juries understand how a reasonably prudent financial institution would have been expected to act under the facts and circumstances presented.