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Why Retain Ross Mallioux​

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 Real-World Banking Experience

My opinions are based on decades of hands-on direct lending and management of mortgage, consumer and commercial lending, lending and deposit operations, as well as executive leadership within financial institutions—not solely back-office or academic knowledge.

 

Equally important, I clearly and effectively explain complex banking practices in a way that is understandable, practical, and framed in real-world terms.

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Daubert-Ready Methodology​

Every opinion is developed using a structured, repeatable methodology designed to withstand Daubert challenges under Rule 702, which includes:
 

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• Identification of applicable standards (regulatory, institutional, and customary practice)

• Application of facts to those standards

• Clear articulation of conclusions with supporting rationale

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Areas of Expertise​​​
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• Banking operations and procedures

• Fraud, AML/BSA monitoring, and suspicious activity reporting

• Funds availability and payment systems (ACH, wire, check processing)

• Consumer protection and regulatory compliance (UDAAP, Reg CC, NACHA)

• Commercial, Consumer, and Mortgage lending and credit administration​

 
AML / BSA & Fraud Monitoring
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• Transaction monitoring systems

• Suspicious activity identification and escalation

• Elder financial exploitation

• Reasonableness of bank response and controls

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Funds Movement & Payment Systems
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• ACH processing and NACHA compliance

• Wire transfers and fraud risk controls

• Check fraud and deposit availability (Reg CC)

• Chargebacks, returns, and loss allocation​

 
Banking Operations & Internal Controls
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• Policies and procedures

• Frontline vs. back-office responsibilities

• Risk management frameworks

• Operational breakdown analysis​

 
Lending & Credit Practices
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• Commercial lending standards

• Underwriting practices

• Loan servicing and administration

• Workout, default, and receivership practices

 
Consumer Protection & Regulatory Compliance
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• UDAAP considerations

• GLBA and customer data handling

• Reasonable banking practices and duty of care

  
Engagement Types
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• Case evaluation and merit review

• Expert reports and rebuttal reports

• Deposition and trial testimony

• Consulting support for litigation strategy​

 
Approach
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• Document Review

  Comprehensive review of policies, procedures, transaction records, and communications.

• Standard Identification

  Determination of applicable regulatory and industry standards.

• Analysis

  Comparison of bank actions against expected practices.

• Opinion Formation

  Clear, supportable conclusions with documented rationale.

• Reporting & Testimony

  Professional, defensible written and oral communication.

 
Representative Matters

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Retained by Counsel in Matters Involving:
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• Alleged deposit fraud involving multi-institution account activity

• AML monitoring failures and suspicious activity escalation

• Elder financial exploitation and bank response adequacy

• Commercial, Consumer, and Mortgage real estate lending disputes and receivership

• Conflicts of Interest and Self-Dealing​

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​​​​​​For engagement inquiries, contact me directly to evaluate your matter and determine whether I am an appropriate consulting or testifying expert for your case.

 

 

 

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