She is a former Texas Banking Commissioner, has more than 25 years bank regulatory experience, including 18 years with the Comptroller of the Currency and has provided banking expert witness testimony in numerous cases throughout the country. She founded a full service consulting firm, which provides services to bank boards of directors and management, including due diligence, risk management, strategic planning, crisis management, and assistance with operational deficiencies and bank regulatory agencies.

SERVICES:
She provides expert witness testimony on the following subjects: bank regulatory practices of the FDIC, OCC, Federal Reserve, and state banking departments, banking industry standards, banking practices and procedures, banking laws, commercial and real estate lending practices, sub-prime lending, directors and officers fiduciary duty, bank fraud, fraud detection procedures, white collar crime investigations, check kiting, predatory lending, checking and deposit account procedures, internal controls, and loan review.

QUALIFICATIONS:
She is a former Texas Banking Commissioner and has over 25 years of bank regulatory experience, including 18 years with the Comptroller of the Currency. As Texas Banking Commissioner, she was responsible for the supervision of the third largest state banking system in the United States, and the regulation of trust companies, foreign bank agencies, prepaid funeral contract providers, sale of check licensees, and money transmission businesses. She served as statutory receiver for failed trust companies, prepaid funeral contract providers and perpetual care cemeteries. She directed the statutory modernization of all statutes under the Texas Banking Department, most notably, revision of Texas 50-year-old banking laws. She made numerous appearances before the U.S. Congress and the Texas Legislature providing testimony on subjects such as financial modernization, and bank and funeral regulation.

EDUCATION:
University of Notre Dame BBA in Finance
Georgia State University JD

LICENSES:
Member of the State Bar of Georgia and the District of Columbia Bar.