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| Bill Elliott has over 30 years of banking experience. As a compliance consultant and manager of the compliance division with Young & Associates, Inc., Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews for all areas of compliance, conducting in-house training, and writing compliance articles and training materials.
| During his career, Bill spent 15 years as a compliance officer and CRA officer in a large community bank, as well as working for a large regional bank. He has been a lender for consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections, and commercial loan workout.
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| Kyle Curtis has more than 25 years of diverse banking experience in financial reporting, lending, credit administration, and senior executive management positions, including President and CEO, with several mid-sized community banks. He served on the Board and was Chairman of the Arizona Bankers Association. He has also served on the Board of Banker’s Bank of the West in Denver, CO, and the American Bankers Association Community Bankers Group.
| At Young & Associates, Inc., Kyle’s time is shared between the lending and management consulting divisions, as well as regulatory compliance and policy development. He assists banks under regulatory enforcement agreements, and performs management and board of director assessments, loan review and ALLL analysis, and policy implementation.
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| Jackie Roesser brings to Young & Associates over 25 years of experience in the banking industry. She serves as an internal audit consultant for the company. In that capacity, she manages the delivery of internal audit services, including control reviews and management, organizational and process reviews. Jackie also provides lending and management consulting services, including loan reviews, fair lending reviews, interest rate risk reviews, allowance methodology reviews, and regulatory compliance reviews. She is a former community bank executive and has held management positions in both line and risk review and control functions with a number of regional and international banking institutions. In addition, she has assisted the FDIC receivership office in a consulting capacity, and has prior experience as a bank consultant serving community banks and thrifts in several states.
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| William J. Showalter is a Senior Consultant with Young & Associates, Inc. Bringing more than 25 years of compliance consulting experience to the company, Bill advises financial institutions on consumer compliance, assists them in establishing compliance management systems, monitors regulatory developments, and responds to clients’ daily compliance questions. He also develops and conducts compliance training programs for individual banks and their trade associations.
| Prior to joining Young & Associates, Inc., Bill worked as a compliance consultant with a nationally known consulting firm, where he evaluated compliance systems and management at numerous banks and thrifts; developed compliance policies and procedures for numerous financial institutions, including several Internet start-ups; advised thrift institutions facing mandatory reimbursement based on violations to the Truth in Lending law; assisted banks in verifying favorable regulatory interpretations with appropriate supervisory agencies to assure compliance and minimize risk of enforcement action; wrote or co-wrote numerous compliance articles and several nationally known compliance publications; and designed and conducted compliance seminars for numerous state bankers’ associations, savings institution leagues, regional trade groups, individual banks, and regulatory agencies. Bill was formerly a banker with two community banks, one an affiliate of a multibillion-dollar bank holding company. He served as each bank’s compliance officer, where he developed and directed a comprehensive compliance program and performed lending responsibilities in mortgage, consumer, and commercial credit.
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| Tamara Simms Bolin began her banking career in 1979 and has continued her service to regional and community banks, both as a banker and as a consultant, in the areas of lending/loan operations, secondary market setup, quality control, operational analysis, due diligence and internal loan review, regulatory compliance, management, training, sales, and customer service. Tamara has spoken to banking audiences across the country. She has presented sessions for numerous state associations, ABA, and BAI, and has taught at numerous banking schools. She is the author of the Regulatory Compliance Monitoring Guide (2000) and the Comprehensive Quality Control Guide (1998), as well as numerous manuals, articles, and newsletters for banking publications. She is an alumnus of Walsh University and holds the designations of Certified Bank Compliance Officer (CBCO) and Certified Regulatory Compliance Manager (CRCM) and is a Certified Review Appraiser and Registered Mortgage Underwriter.
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| Karen Clower is a compliance consultant at Young & Associates, Inc. Her primary responsibilities include product development and maintenance, answering compliance hotline calls, manual creation and updating, and compliance field work. Her prior banking experience includes 19 years working for a large community bank where she managed the mortgage lending department, including processing, underwriting, and the mortgage loan officers. She has also worked as a mortgage loan officer and credit analyst/account officer for commercial lending. Karen holds a BA in Business Management from Hiram College, and associate degrees in Banking and Finance and Business Management from Kent State University.
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| Michelle Graber has over 24 years of community banking experience. As a compliance consultant at Young & Associates, Inc. she specializes in all areas of regulatory compliance, where she conducts compliance reviews, facilitates compliance seminars and workshops, and responds to client inquiries and compliance issues.
| During her career, Michelle spent 13 years as a compliance officer and CRA officer for a small community bank. She has been a lender for consumer, commercial, and mortgage loans, and has served as branch manager for numerous branch locations, including branch administration and development. Michelle holds a BA in Public Relations from the University of Toledo and is a Certified Regulatory Compliance Manager.
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| Terri A. Klemann is a compliance consultant with Young & Associates, Inc. She has been in banking for 16 years and has worked exclusively with community banks of all sizes. Terri specializes in Bank Secrecy Act compliance, front-line operations, privacy, deposit compliance and customer service issues, and has a broad knowledge base of many other compliance-related issues. Terri enjoys presenting in-bank BSA training, as well as conducting BSA seminars for tellers, customer service representatives and other front-line personnel. She has presented seminars for various trade associations regarding new rules and regulations. At Young & Associates, Inc., Terri performs BSA and deposit compliance reviews and assists client banks with policy development.
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| Barbara McKenzie brings to Young & Associates, Inc. over 27 years of banking experience, 23 years of which are in the compliance field. At Young & Associates, Barbara is a member of the Compliance Division, where she focuses primarily on in-bank compliance reviews. Her primary strengths include the consumer lending regulations, HMDA, and CRA. Prior to working at Young & Associates, Barbara worked at a large community bank, where she served on the compliance audit team and as a Compliance/CRA Officer.
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| Jeanine Schmitt is a compliance and internal audit consultant for Young & Associates, Inc., serving client banks in Illinois, Wisconsin, and the Midwest. She brings to the company over 25 years of banking experience, with extensive experience in regulatory compliance and internal audit. She performs in-bank compliance consulting, conducts compliance training, writes articles for various compliance publications, and provides audit services to include control reviews and management, organizational, and process reviews. Prior to joining Young & Associates, Inc., she served as a compliance officer and internal auditor for several community banks in Illinois, where she coordinated audit and compliance functions, conducted compliance training, and developed bank policies and procedures. Jeanine has earned the designation of Certified Community Bank Internal Auditor (CCBIA) from the Independent Community Bankers Association.
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| Adam Witmer is a compliance consultant with Young & Associates, Inc., serving client banks in the Midwest. Having nearly 10 years of experience in banking, he performs in-bank compliance consulting, conducts compliance training, and writes articles for various compliance publications. Prior to joining Young & Associates, Inc., Adam served as an officer and Director of Compliance for a multi-bank holding company in the Midwest. He has held the titles of Compliance Officer, BSA Officer, and CRA Officer for multiple banks, and has experience in the areas of compliance, training, internal audit, privacy, deposit and loan operations, retail banking, and secondary market lending. He earned the designation of Certified Regulatory Compliance Manager (CRCM) from the Institute of Certified Bankers. Adam holds a BA in Business Administration from Taylor University and an MBA in Management and Human Resources from Indiana Tech.
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| Mary Earl is involved with delivery of internal audit and Bank Secrecy Act (BSA) services. She is a former bank executive with more than thirteen years of service within the community banking industry. Prior to joining Young & Associates, Inc., Mary was an executive officer with responsibilities for compliance and information security. She has extensive managerial banking experience in the community bank environment within the areas of bank compliance, operations, branch management, information technology (IT) and information security.
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