Overview – Broad Base of Regulatory & Banking Expertise; Successful Track Record as Expert Witness; Work closely with Retaining Counsel; Strong Written Expert Analysis, Reports and Depositions; Federal & State Court Cases; Participated in five Expert Witness Training sessions; NO Daubert Issues

• Successfully defended Illinois Bank against borrower’s charges of misrepresenting Deed in Lieu of Foreclosure.  Result = Summary Judgement for Bank.
• Successfully defended one of the 10 Largest Banks in US against charges arising from a $50 million St. Louis Ponzi-scheme. Result = Judgement for Bank, Federal Judge Opinion quoted Abernathy.
• Defended large Florida Federal Credit Union against CFO’s wrongful termination lawsuit. Result = Confidential Settlement.
• Successfully defended large national consulting firm against Bank charges involving firm’s performance on Bank’s BSA Audits. Result = Bank withdrew Case after my Report and Deposition.
• Expert for Plaintiff (senior citizen & bank customer) in Arbitration with one of 10 largest Bank in US.  Case involved elder financial abuse, fraud, KYC, & BSA.  Result = Confidential Settlement.  
• Professional Training as Expert Witness (EW) by SEAK, Inc. including: Being an Effective EW Witness; How to Write a Bulletproof EW Report; How to Excel at Your EW Deposition; and How to Build and Run a  Successful EW Practice.  Also, Effective Communications and Interpersonal Skills at Depositions and Trials by Experts.com.

Overview – Work closely with CEO and Boards; Quick Turnaround; Results Oriented; Finding accepted by Regulators; Expert in Board Governance, Risk Management Controls, Regulatory Corrective Actions, BSA, Fraud, etc.

• Conducted Formal “Management & Board Assessments” for Banks (required by FDIC & State Regulators). Regulators accepted Reports and Banks implemented recommendations.  Results = CAMELS Upgraded; Regulatory Actions Removed.
• Recommended Bank enhance Policy & Controls and Board Reporting on third party vendor (Asset Based Lending).  Results = Criticized Assets dropped 70%; MRAs Removed.
• Consulted with large Credit Union. Concerns with past dues & Collections Department turnover.  Determined root cause was new Loan Program of underwriting high-risk loans that overwhelmed Collections. Recommended revised underwriting, enforce charge-off policy.  Results = CU returned to sound condition.    
• Consulted at $1.5 Billion, 5-Rated Problem Bank with C&D.  As part of new turn-around team, coordinated Directors Compliance Committee, established MRA Monitoring, Consent Order Progress Reports.  Results = Bank was Liquidated, with no loss to FDIC. 
• Helped Community Bank comply with MOU and improve Board and Management structure & reporting lines.  Results = Classified Assets reduced from 40+% to 5% and MOU was terminated.  
• Consulted with large Credit Union.  Concern with embezzlement, management turnover & operations issues.  Determined theft minor, recommended hiring new CFO & Staff Accountants, add accounting controls.  Results = Hired strong CFO who corrected problems.