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I. CHALLENGE: A financial institution with assets of over $2 billion entered into a formal agreement with the Office of the Comptroller of the Currency (OCC) due to a number of issues related to credit quality, regulatory compliance, business continuity planning,...
I. CHALLENGE:
The client needed to implement a system-wide process to provide the bank’s customers with the ability to hedge their manufacturing foreign currency exposure earned on sales of textiles, garments, and other goods. These goods, manufactured in either...
I. CHALLENGE Understanding the expectations of state and Federal regulators is always on the mind of Bank management, especially among those on the front line for regulatory compliance. How banks address current and new regulations requires care and diligence and...
John F. White
With 40 years of bank accounting and auditing experience, John White epitomizes the bank risk management expertise of ICS Risk Advisors. John founded the business in the early 1990’s, with a mission to provide outsourced internal audit, regulatory compliance, and credit risk management services to...
John C. Soffronoff, Jr.
As a former Review Examiner with the FDIC, John Soffronoff is the consummate President for ICS Risk Advisors. In his role, John has established a consultative approach to compliance consulting and manages a staff of professionals who carry out that approach to serve financial institutions, from De...
Henry (Hank) M. Applegate
Henry (Hank) Applegate has been providing accounting and auditing expertise to the financial services industry for more than 35 years. As the CFO for ICS Risk Advisors since 2007, Hank has been a major contributor to the growth of the company. Previous to ICS Risk Advisors, Hank served as the...
John E. Palmer, CPA
John Palmer brings more than 30 years of progressive professional experience in the financial services industry in the United States and internationally. Previous Experience Prior to joining ICS Risk Advisors, John served for four years as SVP/Risk Manager for a $5 billion publicly traded...
George Mark
With more than 25 years of experience in the financial services sector, George Mark brings extensive risk management and accounting expertise to the clients of ICS. He has significant experience working with financial institutions and their related regulators. In addition, he has provided valuable...
James C. Lacovara, MS
James C. Lacovara brings more than 23 years of banking experience to ICS, with an expertise in bank regulatory compliance from both industry and regulatory perspectives, as well as a strong background in retail and commercial lending. Previous Experience Prior to joining ICS, James was Director...
Jan W. Koster
Jan W. Koster possesses more than 20 years of experience in IT risk management, including security, business resumption/disaster recovery, IT and operational risk management, SOX testing and review, and internal audit for the banking, financial services, manufacturing, education, insurance, and...
Lorraine Williams, CRCM, CRP, CAMS
The Compliance Research and Development Center is at the heart of what makes ICS Risk Advisors unique. Lorraine Williams is the compliance expert who seamlessly manages the R&D Center and ensures that her colleagues are armed with the latest regulatory updates for their clients. With more than...
Mike Pappolla
Experience across several niches of the financial services industry prepared Mike Pappolla well for his role as Director of Client Development for ICS Risk Advisors. Mike provides a consultative approach to his clients and fosters that approach with the team he manages. Prior to joining the ICS...
Ken Baebel, CRCM, CRP
As a nationally recognized expert on consumer compliance issues with more than 30 years of bank and regulatory compliance experience, Ken Baebel serves as Director of Regulatory Relations. Previous Experience Prior to joining ICS Risk Advisors, Ken was responsible for lending compliance with...
Nani Thanawala
Nani Thanawala brings more than 30 years of experience in the banking industry. Prior Experience Prior to joining ICS Risk Advisors, Nani was an SVP with the branch of a $980 million international bank in New York. There she held a number of positions with progressive responsibility, including...
Chris B. Harris, CPA
With more than 40 years of experience in the financial services industry, Chris brings extensive financial reporting, auditing, and risk management expertise to ICS Risk Advisors and its clients. he has been involved in all aspects of internal audit as well as advising Audit Committees and Boards...
Paul Brinker, CRCM, CFSA
With more than 20 years of compliance risk management experience in the financial services industry, Paul Brinker has sophisticated expertise in risk modeling, procedure development, project management, and process improvement. Previous Experience Prior to ICS Risk Advisors , Paul was Vice...
Pamela C. Buckley, CRCM
Pamela Buckley is a Certified Regulatory Compliance Manager who brings more than 20 years of regulatory compliance experience and expertise to ICS Risk Advisors. She manages the firm’s New England Region, partnering with over 70 financial institution clients. Previous Experience Prior to...
Robert W. Cardwell, Jr, Esq.
Robert W. Cardwell brings more than 20 years of compliance experience to ICS Risk Advisors clients, having a strong background in Bank Secrecy Act program services. Previous Experience Robert was a Vice President, Chief Compliance Officer, and BSA Officer for a large credit card bank, where he...
Allan Cuttle
Allan Cuttle brings more than 20 years of experience in Operational Risk Management (ORM), Enterprise Risk Management (ERM), Bank Secrecy Act/Anti-Money Laundering (BSA/AML), and Sarbanes-Oxley Compliance (SOX) to ICS Risk Advisors. Previous Experience Formerly, Allan served as a Risk Practice...
Janet L. Golonka, MBA, CRCM, CRP
With experience from multiple perspectives – from Compliance Officer to Internal Auditor to Regulator – Janet L. Golonka knows regulatory compliance. As the Director for the Western Pennsylvania region, she brings tremendous value to ICS Risk Advisors clients, with more than 25 years of regulatory...
Alice M. Judd, CRP, CRCM
Alice M. Judd serves as Regional Director and has responsibility for the entire Mid-Atlantic Region. Her more than 20 years of experience in bank management, regulatory compliance, and operational risk are vital to client service. Previous Experience Prior to joining ICS Risk Advisors, Alice...
Eric Kooistra
Eric Kooistra joined ICS Risk Advisors in 2002 and brings more than 20 years of regulatory compliance experience to his role as Director. He specializes in evaluating internal compliance programs and providing financial institutions with regulatory guidance in relation to their specific needs and...
Hoi Luk, CRCM, CAMS
As Director in our Western Region, Hoi Luk is responsible for project oversight. His regulatory compliance, risk management, and internal audit experience spans more than 20 years, with specialties in the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), residential lending, and asset quality...
Roger Rumbaugh
More than half of Roger Rumbaugh’s 40 years of banking experience was focused in legal and regulatory compliance, making him a valuable asset to clients of ICS Risk Advisors. Roger currently serves as Director of The West Virginia School of Compliance and as Principal in the Compliance Forum...
Alla A. Vaynrub, CFA
Alla A. Vaynrub is a Director in the New York region at ICS Risk Advisors. Her experience in regulatory compliance and risk management spans more than 15 years, with specific expertise in operational, liquidity, and compliance risk management. Alla also has an extensive regulatory background in...
James (Jim) H. Wistman, MBA, CAMS
James (Jim) H. Wistman has more than 24 years of hands-on experience in implementing and enhancing compliance programs at all forms of financial institutions. As a New York Director for ICS Risk Advisors, James focuses his expertise on regulatory and government relations, CCO dashboards, AML/USA...
Dean H. Woodson, CPA
For more than 20 years, Dean H. Woodson has committed his professional career to all things audit. He has extensive expertise in compliance and internal auditing and accounting and has lectured on Sarbanes-Oxley (SOX) issues. Dean is a licensed real estate broker and has published articles and has...
Anthony D’Anna, CAMS
Anthony has more than 30 years of experience in all phases of international bank operations, including internal audit management, regulatory compliance, treasury, settlements, lending, back office processing, information technology, and regulatory coordination. He has extensive special project...
March 2008 BSA.pdf (240.67 kb)
