Talent Pool – Categories and Qualifications

Dee Consulting Group, LLC provides experienced contractors on a short term, long term, and permanent basis:

General Bank Examination (safety and soundness), including, but not limited to:

• The effectiveness of the bank's operations

• Compliance with laws and regulations

• The adequacy of and adherence to policies and procedures

• Management's expertise and ability to manage the bank's affairs

• The board of directors' oversight, ensure management and the board are receiving complete and accurate reports

• Whether an acceptable system of records and internal controls is in place

• The effect of anticipated internal and external changes on the bank

• The bank's ability to meet its future needs for funds growth, capital formation, and loss absorption

• Actual or undue risk to the bank

• Examination procedures and their application to the national banking system

• Examination procedures and their application to the federal thrift system

• Safe and sound banking practices

• Management appraisal

• Risk assessment systems

• Risk management processes

• Bank and thrift policies and procedures

• Investments, funds management and liquidity

• Asset quality

• Earnings

• Major federal and state laws, rules, and regulations pertaining to financial institutions (national banks and savings associations)

• Trends, current developments, regulatory issues, and policies in the banking and thrift industry

• Financial institution accounting practices and reporting systems

• Capital adequacy

• Sensitivity to market risk

• Statistical sampling

Examination or auditing experience having served as an examiner or auditor in charge; bachelor's degree in either finance, accounting, or business from an accredited college or university; certification in the safety and soundness field from a financial institution regulator.

 

Credit Analysis, including, but not limited to:

• Adequacy of policies, practices, procedures, and controls regarding loan portfolio management

• Whether lending personnel are in compliance with lending policies

• Overall quality of the loan portfolio and identify sources or causes of deficiencies with greater-than-normal losses

• Credit risk management practices and policies

• Compliance with applicable laws, rulings, and regulations covering credit activities

• Examination techniques

• Underwriting

• Strategic factors

• External factors

• Credit quality factors

• Classification and loan write-up

• Documentation

• File reading

Additional specialized experience: loan officer, commercial credit analyst/specialist, auditor, or examiner in the area of commercial lending related activities.

 

Shared National Credits (SNC), including, but not limited to:

• Shared National Credits Program policies and procedures, interagency agreement and review cycle

• Familiarity with large, complex Shared National Credits (review and evaluate shared national credit files for adequate credit documentation, to determine loan classifications, and to prepare draft loan write-ups)

 

Retail Credit Analysis, including, but not limited to:

• Retail credit products, portfolios, functional areas (e.g. underwriting, credit scoring, collections) or risk management

• Mortgage and home equity lending

• Credit card lending or other revolving lending products (other than home equity products)

• Other types of direct and indirect retail lending, such as auto lending

• Brokers, dealers, or other third-party loan originators and servicers

• Higher risk or sub-prime lending

• Predatory lending issues and regulations

• Unfair/deceptive practices issues

• OCC handbooks, advisories, alerts, and bulletins related to the above areas including Uniform Retail Credit Classification and Account Management Guidance, Interagency Guidance for Subprime Lending, Interagency Expanded Guidance for Subprime Lending Programs, and the Account Management and Loss Allowance Guidance.

Additional specialized experience: loan officer, commercial credit analyst/specialist, auditor, or examiner in the area of commercial lending related activities.

 

Consumer Protection/Fair Lending/Community Reinvestment Act, including, but not limited to:

• Consumer protection laws and their implementing regulations, including, but not limited to: Equal Credit Opportunity, Fair Housing, Home Mortgage Disclosure, Community Reinvestment, Unfair or Deceptive Acts or Practices, Fair Credit Reporting, Flood Disaster Protection, Truth in Lending, Real Estate Settlement Procedures, and Consumer Privacy

• Consumer compliance examination policies, procedures and techniques, including the Comptroller's Handbook for Consumer Compliance Examination and related OCC bulletins, advisories and alerts

• Compliance risk management systems, including board and management oversight, compliance organizational structure and staffing, compliance policies, procedures, and processes, compliance training programs, and compliance audit functions.

Additional specialized experience: auditor, Compliance Officer, or examiner of consumer compliance activities.

 

Bank Secrecy Act/Anti-Money Laundering/Office of Foreign Assets Control, including, but not limited to:

• The Bank Secrecy Act (BSA), related Anti-Money Laundering (AML) laws and regulations, and Office of Foreign Assets Control (OFAC) regulations.

• FFIEC BSA/AML Examination Manual, related OCC bulletins, advisories, and alerts, and Financial Crimes Enforcement Network (FinCEN) and OFAC interpretations and guidance, BSA/AML compliance risk management systems, including board and management oversight, organizational structure and staffing, risk assessment, customer due diligence, suspicious activity monitoring, training programs, and independent testing

Additional specialized experience: auditor, Compliance Officer, or examiner of consumer compliance activities.

 

Asset Management, including, but not limited to:

• Policies, practices and controls covering operations, administration of major and unique asset types; administration of personal and institutional accounts; and fiduciary and investment management activities;

• Asset management laws and regulations including but not limited to 12USC92a, 12CFR9, 12CFR12, and ERISA;

• OCC handbooks, advisories, alerts and bulletins related to Asset Management including examination procedures.

• Commingled or pooled funds, including common trust funds, collective investment funds and mutual funds;

• Conflicts of interest, including but not limited, types of conflicts of interest, self dealing activities, risk and compliance controls, brokerage allocation, trading and soft dollar practices, and regulatory positions relative to the receipt of compensation and fees for mutual funds;

• Custody Services;

• nvestment management services including but not limited to: products and services, portfolio construction and management principles – including the Prudent Investor Rule, portfolio performance and risk measurement, and risk management principles;

• Asset management audits;

• Personal Fiduciary Services;

• Retirement plan services;

•  Retail non-deposit Investment services

Additional specialized experience: auditor, manager or examiner of fiduciary related activities.

 

Capital Markets, including, but not limited to:

• Asset/liability management activities, which utilize various types of hedge positions

• Review a variety of mortgage security types to assess how they impact bank's portfolio

• Bank's mortgage banking activities for profitability, accounting, production, secondary marketing and servicing

• Interest rate risk (IRR) concepts and models used to monitor IRR

• Investment securities and equity markets

• OCC handbooks, advisories, alerts, and bulletins related to the above capital markets, including examination procedures

Practical experience with focus on asset/liability management activities which utilize various types of hedge positions (forward commitments, futures, options, interest-rate swaps, caps, or other derivative instrument); degree in finance from an accredited college or university.

 

Bank Information Technology, including, but not limited to:

• Effectiveness of management in establishing proper supervision, maintaining internal controls within a data center

• Adequacy of written standards and procedures in addressing system design, programming, testing, maintenance

• Adequacy, timeliness, and completeness of program documentation

• Assess if adequate data integrity is provided throughout a transaction cycle

• Whether computer operation functions adequately address housekeeping, maintenance, operation, staff policies

• Adequacy of the physical security plan

• Risks associated with telecommunication networks

• Adequacy of IT user and servicer control guidelines

• Bank operations and technology including controls associated with mainframe, network, and desktop environments

• IT governance processes including information security, business continuity planning, project management, change management, and vendor management

• IT audit standards and practices

• Electronic banking services

• OCC/FFIEC handbooks, advisories, alerts, and bulletins related to Bank Information Technology including examination procedures

Practical experience in financial institutions operations and technology; a bachelor's degree in computer science from an accredited college or university. In addition to the above, experience as an auditor, specialist/analyst or examiner of information technology related activities.