Banking Expert Witnesses

Banking - Credit Union turn-around CEO, operational expert, fraud detection, regulatory compliance, lending expert, compliance expert

Professional Profile  Executive management experience in profit and non-profit business sectors, business transformation and turnaround, business development, public policy administration, finance, project management, and strategic planning.  Education compliments business experience in process consultation, internal and external analysis, financial modeling, and customer/stakeholder relationship building. Professional Experience Operations and Administration • Nationally recognized Chief Executive Officer hired to execute credit union turnarounds – completed several in record time. • Experience in completing regulatory compliance requirements efficiently and ahead of schedule. • Effective communicator and negotiator: o Repaired corporate reputation with members, staff, regulators, vendors, and credit union community. o Lease negotiations, vendor contracts, complicated litigious strategy and execution. o Excellent presentation skills. Featured speaker at national A...

Banking, Financial - Equities, Exotics, Trading Strategies, Pricing, Hedging, Derivatives, Structured Products, FX, Forex, Pricing, Structuring, Options, Futures, Bonds, Swaps, Risk Analysis, Alternative Investments, Fund Derivatives, Market Manipulation, Illiquid Markets, Hedge funds

Colin Knight is a renowned and highly respected expert witness in the field of trading and finance, with over 30 years of broad experience in the industry. He has a deep understanding of trading principles and practices, as well as an extensive knowledge of structured products and white-collar crime. He has been called upon to provide expert testimony in a wide range of legal cases and his clients have commended him for his ability to uncover hidden financial transactions and detect patterns of financial fraud. Colin's expertise extends beyond the courtroom, as he continues to work in the financial industry, actively trading his own investments, keeping current with the latest developments and practices in the field. Colin has addressed civil and criminal cases, arbitrations and tribunals, including tax and fraud cases, and has given evidence internationally in London, New York, Hong Kong and other jurisdictions. His ability to explain complex technical concepts in a clear and unde...

Banking, Financial - Banking operations, Checking Accounts, Bank Fraud, Trusts & fiduciary, Credit underwriting, Lending (all types), Loan administration, Mortgage banking, Foreclosures, Lender liability, Securities & investments, Economics & Accounting, Damages, failed banks analysis / D&O liability.

MCS ASSOCIATES (established 1973) is a nationwide specialist expert witness and litigation consulting group that concentrates in seven key areas:  Banking and Lending  Securities & Investments  Investment Banking & Finance  Financial Services  Insurance  Real Estate  Damages, Economic Analysis & Forensic Accounting Our company takes greater pride and care in identifying and selecting the right experts with the specific specialized expertise needed for each assignment, and we undertake expert witness assignments throughout the United States. Our clients include several thousand leading national and regional law firms, as well as many smaller and specialized boutique practices, and we also work extensively with numerous regulatory and government agencies. BANKING & LENDING: Experts include a wide range of senior bankers, lenders, consultants, accountants, trust & investment managers, regulators, etc. BANKING & LENDING AREAS OF EXPERTISE INCLUDE: Banking operations; Ch...

Real Estate, Banking - Mortgage Lending, Standard of Care, Compliance, TILA/RESPA Regulation, Disclosure, HAMP/Modification, Foreclosure, Underwriting, Residential, Loan Servicing, Real Estate/Mortgage Fraud, CA BRE/NMLS Licensing

I have been in the mortgage industry for 28 years, serving as a loan officer, branch manager, and area vice president. During this time, I have developed a strong base of knowledge of many areas of the mortgage industry. On the origination end, this includes application, disclosure, processing, underwriting, appraisal, & funding. On the servicing end, this includes payment servicing, modification, HAMP, and foreclosure. I am able to study a case file quickly and thoroughly, and establish a defensible opinion. My writing skills yield a strong written report. And, my public speaking and discussion skills present well in deposition and trial.

Real Estate, Banking - damages, mortgages/lending, Mortgage Backed Securities (MBS), loan underwriting, sub-prime lending, foreclosures/workouts, real estate syndications/limited partnerships, real estate development, appraisals-real estate, due diligence-loans and properties, forensic economics, real estate brokerage

Dr. D'Andrea has been involved in real estate consulting, finance, investment, management, development, and/or brokerage for more than 25 years. His clients have included investment banks, institutional investors and some of the largest financial institutions and most prestigious law firms in the country. His broad range of experience in property and portfolio analysis, real estate finance, business strategies, and forecasting provide a strong foundation for his expert witness practice. Dr. D’Andrea is a seasoned expert, having provided trial and deposition testimony, reports and declarations. Dr. D'Andrea's expertise has been particularly beneficial to counsel when engaged either pre-litigation or in its early stages. He has assisted in succinct evaluation of case merits, reviewing documents for key provisions, discovery requests, examination preparation prior to and during depositions, and settlement negotiations.

Business Damages, Accounting - CPA expert witness, forensic accounting, damages, business valuation, lost profits, reasonable royalty, alter ego, intellectual property, wrongful termination, wrongful death, breach of contract, lender liability,banking, entertainment, insurance, manufacturing, retail, securities, wholesale.

Thomas Neches, managing partner of Thomas Neches & Company LLP, provides accounting, financial, business valuation and statistical analyses to assist attorneys involved in litigation. Mr. Neches has testified as an expert in state and federal courts in Arizona, California, Florida, Kentucky, Missouri, Nevada, New York and Oregon. He is a Certified Public Accountant, Accredited in Business Valuation, a Certified Valuation Analyst, a Certified Fraud Examiner and is Certified in Financial Forensics. He received his BA in Mathematics and Literature from UC San Diego and his MS in Operations Research from UCLA. Mr. Neches has testified to juries on behalf of both plaintiffs and defendants in antitrust, breach of contract, fraud, intellectual property, lender liability, personal injury and wrongful termination cases. Examples of the litigation issues he has addressed include lost profits, lost business value, determining a reasonable royalty and piercing the corporate veil. Representativ...

Banking, Risk Management - Policy, Commercial Credit Risk Management and Underwriting Standards, Model Risk, Covenants, Third Party Vendor Risk, Participations, Regulatory Compliance, Customary Practices, Enforcement Actions, Audit, Cannabis Banking, Internal Controls, BSA AML, UDAAP, Regulation B, Standard Banking Practices.

Dante Tosetti is a recognized expert in regulatory compliance and risk management for financial institutions. He has over twenty five years of experience within the Federal Reserve and commercial banking. As an executive for a national bank, Dante was successful in resolving numerous articles of a public enforcement action taken by The Office of the Comptroller of the Currency (“OCC”). As a Regulatory Liaison for a state member bank, Dante was formally recognized by as being ‘instrumental’ to a bank’s successful release from a public enforcement action taken by the Federal Reserve Bank of San Francisco. He was formerly a Bank Examiner with the Federal Reserve Bank of San Francisco where he led and supported safety and soundness examinations of community, regional, and large banks throughout the nine western states. At the Fed, he was a presenter for a national broadcast titled, "Commercial & Industrial Lending: Pitfalls and Risk Mitigants." His deep banking expertise on both the...

Banking, Financial - Lending and Collections, Workout Expert, Lending Practices and Procedures, Consideration, Compliance with Bank Agreements, Improper Collection Methods, Good Faith Issues, Disclosure, Hidden Assets and Liabilities, Credit Underwriting

Charles Holmes started his career with the U.S. Treasury Department and moved to the other side as a commercial banker. He co-founded two de novo banks in Boulder, Co. The first was started in 1995, went public in 1999, and recently sold to an out of state bank. In 2011, he started another bank which sold in 2016. Both banks had rapid growth and success. Holmes spent much of his banking career managing credit issues and collection efforts. He was chairman of loan committee approving up to $12Million per credit relationship. He has been involved in structuring and collecting relationships up to $25million. Holmes took great pride in working through the collection issues and learned firsthand the pitfalls banks and borrowers make when trying to protect themselves under stressful situations. The outcome can often be a material conflict where one side, or both, act improperly. His hands-on experience these past 40 years has made him an excellent and confident expert witness. He has be...

Banking, Fraud - Banks, Mortgage, Fraud, Money Laundering

Danny F. Dukes, CPA, MBA, CFE Danny began his career as an internal auditor with Citizens and Southern National Bank. After 5 years in this role, he continued his career helping community financial institutions as internal auditor, controller and chief financial officer. As a consultant he has assisted community financial institutions with investment management, asset liability management, investment banking, compliance issues, internal audit, deposit and loan operations, company policies and general accepted accounting principles. He has assisted in a capital raise for de-novo financial institutions. He has also served as a lead on the selection of data processing solutions and transition teams for mergers and acquisitions. Danny earned a Bachelor's of Business Administration degree from Mercer University in Macon, Georgia. He continued his academic pursuits while working full-time and earned a Master's of Business Administration degree in Accounting from Georgia College and State...

Banking, Securities & Investments - Trust & Estates, Corporate Trustees, Individual Trustees, Trust Beneficiaries, Estate Executors/Personal Representatives, Estate Beneficiaries, Trustee Duty of Loyalty, Trustee Duty of Impartiality, Trustee Duty to Account Trustee Fee Litigation, Prudent Investor Rule, Trustee Duty of Prudence

Charles W Ranson provides litigation consulting services and expert witness testimony for plaintiff and defense counsel in trust and estate litigation cases alleging breach of fiduciary duty. Counsel that engages my services typically represents corporate and individual trustees, trust beneficiaries, estate personal representatives/executors, estate beneficiaries, registered investment advisors, ultra-high net worth investors, and family offices. In assisting plaintiff or defense counsel in trust and estate litigation claims of breach of fiduciary duty my liability analysis is conducted in light of state probate statutes, terms of the trust instrument, and the prevailing customs and practices in corporate fiduciary services. Each case is analyzed in light of the facts and circumstances alleged/defended in the matter and the corresponding fiduciary standard of care applied to the case allegations, facts, and circumstances. www.charleswranson.com to view a video clip of Ranson.

Banking - Bank Analysis, Banking Law & Regulation, Banking Industry Standards, Board & Management Responsibilities, Bank Policy & Procedures, Regulation & Supervision, BSA/AML, Fraud, Ponzi Scheme, Elder Financial Abuse

Bill Abernathy is CEO, Expert Witness & Executive Consultant for Abernathy Bank Consulting, LLC (ABC). ABC provides services across a broad spectrum and specializes in assisting Attorneys as a Banking Expert Witness in Litigation. As an Expert Witness, Mr. Abernathy works closely with Retaining Counsel and brings his broad base of Regulatory & Banking Expertise to the case. He has a successful track record as Expert Witness utilizing strong Expert Analysis, Witten Reports, and effective oral Depositions. Bill has worked with both Plaintiffs & Defendants in Federal & State Courts with NO Daubert Issues. Bill has a long (50 years) and varied career as a National Bank Examiner, federal bank regulator, senior-level banker (EVP & SVP), and bank consultant. He served in six different District Senior Management positions with the Office of Comptroller of the Currency (OCC). His OCC Roles included serving as Assistant Deputy Comptroller (#2 Executive for the 9 Southeastern states); a...

Banking, Fraud - Banks, Mortgage, Fraud, Money Laundering

Danny F. Dukes, CPA, MBA, CFE Danny began his career as an internal auditor with Citizens and Southern National Bank. After 5 years in this role, he continued his career helping community financial institutions as internal auditor, controller and chief financial officer. As a consultant he has assisted community financial institutions with investment management, asset liability management, investment banking, compliance issues, internal audit, deposit and loan operations, company policies and general accepted accounting principles. He has assisted in a capital raise for de-novo financial institutions. He has also served as a lead on the selection of data processing solutions and transition teams for mergers and acquisitions. Danny earned a Bachelor's of Business Administration degree from Mercer University in Macon, Georgia. He continued his academic pursuits while working full-time and earned a Master's of Business Administration degree in Accounting from Georgia College and State...

Real Estate, Banking - Mortgages, Purchase, Refinance

Banking, Technology - payments, pay, wallet, patents, mobile, apps, ecommerce, card, Check21, check, image, deposit, augmented reality, AR, biometrics, NFC, contactless, source code, fraud, software development

Mr. Calman has more than 30 years of experience as a banking leader, fintech innovator and industry group collaborator. His work has focused on enabling innovation and developing mobile financial services, online banking, Check21 image processing and distributed capture at large scale. Mr. Calman led Bank of America’s Process Engineering team for its initial deployment of Check21 image exchange in 2004, responsible for implementation, technology, specifications, supply chain RFI/RFP, standards and industry relations. For seven years he led the bank’s R&D function for mobile deposits, mobile commerce, mobile wallet, augmented reality, biometrics, video banking, machine vision and other emerging technologies. He was a research affiliate at the MIT Media Lab where he led the Center for Future Banking from 2009-2012. Mr. Calman is a named inventor on 96 issued U.S. patents and 244 U.S. patent applications and was twice awarded Inventor of the Year by Bank of America. At Microsoft, ...

Banking, Technology - Electronic Banking, Virtual Banking, Internet Banking, Virtual Branch, Correspondent Banking, Payments, Financial, RDC, mRDC, ACH, Check, Wire, Card, Audio

39 years experience in banking technology, 32 years experience in payments, 29 years experience with internet/online banking, 29 years experience in correspondent banking. Original co-founder of Treev and founder of Goldleaf Technologies. Member National Speakers Assoc. Currently serve as Chief Innovation Officer of First National Bankers Bank. Have worked as sr. operations officer of a community bank with compliance and computer operations experience. Extremely qualified in electronic banking, payments and general banking operations. Self-motivated and will take necessary initiative for investigations, but will take direction from retaining counsel.

Banking, Fraud - Bank Practices and Procedures, Banking Industry Standards, Bank Operations, Bank Policies, Bank Regulations and Law, Lending, Lender Liability, Loan Documentation, Bankruptcy, Bank Fraud, Commercial Real Estate and Mortgages, Bank Credit Administration and Credit Policy Issues.

Mr. Richards has more than 34 years of banking experience in all aspect of banking. His experience as a Founder, President, and Director of two De-novo banks and heading up a work-out department for a regional bank give the client and attorney a behinds the scene understanding of banks. He has extensive experience in lending, lender liability, banking operations, regulatory oversight, policies, procedures, documentation, and standards of banking practice. In 2009 he began his consulting and expert witness career, serving both plaintiffs and defendants. He has qualified and testified at trial in state and federal courts as an expert witness. He has also testified as an expert witness in a white collar federal criminal case. He serves clients nationally and has represented clients in 38 states since beginning his expert witness career. He has been retained in over 120 cases as an expert witness.

Banking, Financial - asset tracing, asset tracing analytics, securities transactions, securities compliance, securities fraud, broker-dealer, FINRA compliance, SEC compliance, securities regulatory compliance, financial due diligence, corporate governance, reverse mergers, bankruptcy, solvency, business economics

Experienced investment banker, corporate executive, and consulting economist. Senior investment banker with 25+ years at Weild&Co., WestPark Capital, Prudential Securities, Seidler Amdec Securities, and Laffer Associates. Advised issuers on over $2 billion of public and private equity transactions, mergers & acquisitions and strategic advisory engagements, focused on enterprise technology, consumer, retailing and natural resources. Senior corporate executive responsibilities include 10+ years with small-cap public and private companies in enterprise technology, digital media, and natural resources industry sectors. Currently serving on Board of Directors of two listed public companies, with respective audit committee chairmanships. Five years’ service as CFO of FINRA-registered broker-dealer; voting member of commitment and compliance committees. Chaired two official committees representing unsecured creditors in bankruptcy litigation, most recently from 2018-2021. In court a...

Banking, Financial - Banking, loans, contract disputes, commercial and consumer finance, mortgages, derivatives, lender liability, legal malpractice, public finance, fraud, bankruptcy, debtor and creditor's rights, banking regulations, lending compliance, bank policies and procedures.

Peter has thirty years of transactional, public and private commercial and real estate finance, legal and bank consulting experience. He serves as an expert in cases involving public, commercial and real estate financing transactions. He provides litigation support in cases involving contract disputes and complex public and commercial finance matters centering on debtor and creditor rights. Based upon his experience representing banks, finance companies, borrowers, investors and public entities in conventional and innovative financings, Peter provides litigation support and expert services in contract disputes, commercial and residential real estate, lender liability, legal malpractice, public finance, complex lending and credit facilities, and financial fraud cases. His experience spans thirty years of due diligence, structuring, closing and restructuring public and commercial financial transactions on behalf of lenders; county, state and federal authorities and issuers;...

Banking, Business Damages - lender liability, foreclosure, banking standards, banking regulation, bankruptcy, receivership, fiduciary duty, fraud, insolvency, mergers and acquisition due diligence, quality of earnings, valuation and damages

Nancy D. Terrill is a former Banking Executive with over twenty-five years of progressive lending and management responsibility with a regional bank and a money center bank. Her Banking expertise was built in Commercial Lending. Ms. Terrill spent 15 of her 25 year banking career in the Special Assets Division working on resolution of the problem loan portfolio. During that time, she was involved in hundreds of litigation matters including foreclosure and other collection litigation, bank fraud matters and lender liability cases. She progressed to the level of National Manager of the Special Assets Division of KeyBank NA where she had management responsibility over 130 employees serving a loan portfolio of $3 billion at the peak. Since then she has worked for a major public accounting firm (transaction due diligence work) and Turnaround/Restructuring firms, providing consulting advice to underperforming companies. In addition, over the past 10 years since leaving banking, Ms. Te...

Economics, Financial - Audit, Banking, Breach of Contract, Business Interruption, Compliance, Data Analytics, Divorce, Economic Damages, Employment Discrimination, Income Loss, Lost Earnings Profits Wages, Real Estate, Financial Regression Analysis, Risk Management, Statistical Analysis, Valuation, Wrongful Termination

Dr. Nonna Sorokina is a professor at the Pennsylvania State University. She holds a PhD in Finance and Applied Statistics. Her financial industry and consulting career of 25 years is complemented by more than 10 years of academic research and teaching. During the last 6 years, Dr. Sorokina consulted legal professionals on a variety of issues. Her core professional experience includes data analytics, valuation of cash flows, and risk modeling. Specific area of her banking expertise is in residential real estate lending, including loan product development, pricing, securitization, hedging, trading, advanced quantitative analysis, model validation, and compliance with audit and regulatory requirements/findings. Dr. Sorokina’s research interests span multiple topics related to bank stability, capital structure, organizational form decisions, various aspects of bank risk management and performance as well as selected topics in investments with a special attention devoted to advanced qua...

Banking - Credit Risk, underwriting, forensic loan fraud, lending policy/procedures, commercial real estate, working capital line of credit, asset based and secured financing, indirect auto, home equity, mortgage, agriculture, farm, foreclosure, collections, regulator enforcement actions, board governance

My background includes 33 years as a federal regulator, five additional years as a contractor with that regulator,eight years of consulting with banks and credit unions and four years as an expert witness. I specialize in evaluation of credit risk and credit related functions. I have extensive experience in community banks and credit unions, mid size banks, and considerable experience in the largest banks in the country. I am available for credit/lending related expert witness work in the menu of items listed above. This includes the cradle to grave life cycle of credit: Policy, procedures, staffing/expertise, underwriting, credit administration, risk management, reporting/MIS, problem loan management/collections, foreclosure/repossession and collateral/appraisal management. I am experienced in forensic credit related fraud identification, investigation/documentation, referrals to FBI/DOJ/OCC authorities and depositions. I have extensively evaluated internal audit and Credit Risk (...

Banking, Financial - commercial lending, bank governance, commercial credit underwriting, collections, loan workouts, regulatory response, credit review and examination, due diligence, consent orders, lender liability, breach of good faith, wrongful defaults, control and interference, duress and coercion

Professional Experience More than 25 years in four mid-sized regional and community banks, serving in senior and executive management roles including Chief Credit Officer and Chief Lending Officer, as well as 15+ years in financial institution managing consultant roles that include major organizations: Hewlett-Packard (formerly EDS), Deloitte, and Computer Sciences Corporation. Activities included five years serving as a special agent for the Commissioner of the Texas Department of Banking overseeing troubled banks, typically under consent orders resulting from poor lending and credit practices. Litigation Support Experience Serving both plaintiff and defense attorneys in banking and insurance industries in the following: loan structuring issues; credit underwriting, processes, and controls; and best practices in originating, servicing, and collection of commercial and industrial loans and commercial real estate credits. Expert witness activities include consultations, written r...

Banking, Real Estate - commercial loans, residential mortgages, mortgage loan servicing, predatory lending, truth in lending, RESPA, debt collection, underwriting, consumer protection, USPAP compliance, appraisal review, lending operations, foreclosures, disclosure, due diligence, lender liability, risk

Former Senior Vice President with over 20 years of lending, cash management, and bank operations experience. Vast hands-on experience in bank lending practices, deposit accounts, and matters involving residential real estate and mortgage loan servicing. Certified Residential Appraiser. Certified in credit risk. Extensive, coast-to-coast, experience as an expert witness (retained in more than 200 matters). Expert witness engagements have involved commercial loans, residential mortgages, predatory lending, debt collection, underwriting, consumer protection, fraud, truth in lending, lender liability, mortgage loan servicing, deposit accounts, residential property valuation, and USPAP compliance. Clients include individuals, small business owners, mortgage loan servicers, and some of the largest lenders in the US. Experienced in both state and federal cases (including class actions). Extensive testifying experience at deposition and trial.