How I Assist Attorneys
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My work typically starts with the file—what’s there, what’s missing, and what it means.
I regularly assist with:

• Reviewing discovery materials and identifying key issues

• Explaining how banks actually process transactions, monitor accounts, and make decisions

• Researching and applying banking regulations (BSA/AML, Reg CC, NACHA, etc.)

• Assisting with insight used in drafting complaints involving banking practices

• Helping develop deposition questions based on document review

• Evaluating internal controls, escalation processes, and risk management decisions

I focus on practical application. Not just what the rule says—but how it is implemented inside a bank.
 
Loan File Review & Lending Practices
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In addition to deposit and fraud-related matters, I assist attorneys in cases involving lending practices and loan documentation.
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This includes:

• Reviewing loan files to determine what is present—and what should be present

• Evaluating underwriting support, income documentation, and credit analysis

• Identifying gaps, inconsistencies, or red flags in loan files

• Assessing whether lending practices align with internal policy and industry standards

• Explaining how loan decisions are made and documented within a bank

 
Understanding what belongs in a loan file—and what does not—is often critical in lending disputes, underwriting issues, and questions involving commercially reasonable practices.
 
Areas of Focus
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My experience includes:

• Banking expert witness and litigation support

• AML / BSA monitoring and transaction escalation

• Fraud detection and internal controls

• Elder financial exploitation

• Funds availability and holds (Reg CC)

• ACH and wire processing issues

• Loan file review and lending practices

 
When Expert Testimony Is Needed
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In some matters, my role extends to serving as a testifying expert. I provide:

• Expert reports

• Rebuttal analysis

• Deposition testimony

• Trial testimony

My opinions are based on industry standards, regulatory frameworks, and practical banking experience, and are developed with the expectation they will be evaluated under Rule 702 and Daubert.
 
Approach
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I approach each matter from a practical standpoint:

• What would a reasonable bank have done under similar circumstances?

• Were actions consistent with industry practice?

• Where did process, controls, or judgment fail?

 
Attorneys often find value in having someone who can connect regulatory requirements to how banks actually function in real-world conditions.
 
Engagement
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Ross Mallioux, Banking Expert Witness - I work with both plaintiff and defense counsel. Early involvement is often helpful in shaping case strategy, evaluating claims, and identifying key issues within the record.
If you would like to discuss a matter, please contact me for a confidential initial consultation.