Areas of Expertise
Expertise in state and federal banking law, regulation, examination, and enforcement. Knowledgeable of common industry practices, operational issues, and commercially reasonable standards. Expert on the subjects of bank management, board and regulatory oversight, financial condition, credit analysis, loan quality, liquidity/funding, investments, interest rate risk, capital, deposit transactions, checking handling, operations, and fiduciary activities. Emphasis on deposit and loan fraud and comparative negligence. Experienced in bank examination, compliance and regulatory licensing.

Professional Experience
EW #790 is a highly experienced bank industry official, having held senior positions with both the OCC and Texas Department of Banking. She has participated in the development of bank law and regulation, and is an expert in analyzing and interpreting compliance therewith. She wrote the commercial bank examination procedures currently in use by the state of Texas, and authored industry guidance at both the state and federal level. While at the OCC, She conducted examinations of regional banks in the northeastern U.S., supervised problem institutions, and managed bank failures. She was a key operative in the resolution of the BCCI banking scandal. During her tenure as a senior officer with the Texas Banking Department, she mediated consumer complaints against banks state-wide, and issued official position letters interpreting laws relating to deposit accounts and negotiable instruments. Currently, she assists banks in the development of policies and procedures to ensure compliance with laws and best practices. She is also active in litigation support.

Professional Qualifications
Commissioned bank examiner with the Comptroller of the Currency (1987).

Publications
EW #790 is a regular contributor to the Independent Bankers magazine on the subjects of regulatory exams and compliance issues. While at the Texas Department of Banking, she wrote exam policies and procedures, and served as contributing editor of the Texas Quarterly Bank Report. She also authored the accreditation and sunset reports of the Texas Banking Department.

Instruction
EW #790 developed and instructed courses for the OCC on the topics Other Real Estate, Allocation for Loan Losses, and Liquidity. She has made numerous presentations to bankers on current industry topics and trends.