Ross Mallioux | Banking Expert Witness

Banking Expert Witness

Independent Expert Witness for Litigation, Depositions, and Expert Reports
Serving Plaintiff and Defense Counsel
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Overview
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With over 40 years of banking experience, I serve as a banking expert witness in complex financial litigation. My work focuses on delivering clear, defensible opinions grounded in real-world banking operations, regulatory frameworks, and industry standards.
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I specialize in cases involving:

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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 lending and credit administration​

 
 

What Sets My Work Apart

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Real-World Banking Experience

My opinions are based on decades of hands-on operational leadership within financial institutions—not just academic or theoretical knowledge.
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Daubert-Ready Methodology

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

• 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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Clarity for Courts and Juries
I translate complex banking systems and regulations into clear, understandable explanations without sacrificing technical accuracy.
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Areas of Expertise
AML / BSA & Fraud Monitoring

• 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

• 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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• Alleged deposit fraud involving multi-institution account activity

• AML monitoring failures and suspicious activity escalation

• Elder financial exploitation and bank response adequacy

• Commercial real estate lending disputes and receivership

 
Why Attorneys Choose This Practice

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• Credible: 40-year banking career with operational depth

• Practical: Focused on how banks actually function

• Defensible: Methodology built for expert scrutiny

• Clear: Communicates effectively to non-bankers

 
Contact

For engagement inquiries, reach out directly to discuss your case and determine fit.
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