Compliance Consultant Biographies

Senior Consultant and Manager of Compliance

Bill Elliott, CRCM

Senior Consultant and Manager of Compliance

Bill Elliott has over 35 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 offi cer and CRA officer in a large community bank, and also worked 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.

Senior Consultant

William J. Showalter, CRCM, CRP

Senior Consultant

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.

Senior Consultant

Adam Witmer, CRCM

Senior Consultant

Adam Witmer is a Senior Consultant with Young & Associates, Inc. where he focuses on regulatory compliance. Adam is a popular speaker who tries to make compliance fun by providing real life stories that apply to the topic at hand. He conducts seminars for state banking associations throughout the United States, provides in-bank training for clients, delivers keynote speeches, and conducts compliance webinars. In addition to compliance education, Adam serves client banks in the Midwest through consulting and by writing articles for various publications. Prior to joining Young & Associates, Inc., Adam served as an offi cer and the Director of Compliance for a multi-bank holding company. He has held the titles of Compliance Officer, BSA Officer, and CRA Officer for multiple banks, and has experience in the areas of internal audit, deposit and loan operations, retail banking, and secondary market lending. He holds the designation of Certifi ed Regulatory Compliance Manager (CRCM) by the Institute of Certified Bankers in Washington, D.C. Adam earned a BA in Business Administration from Taylor University and an MBA in Management and Human Resources from Indiana Tech.

Dee Bedell, CRMA, CRCM, CFE, CAMS

Consultant

Dee Bedell works as a compliance and internal audit consultant for Young & Associates, Inc. She brings to the company over 35 years of industry experience, all in community banks. Her prior experience includes working as a bank teller, internal audit officer, security officer (information, physical and loss prevention), and compliance officer, including BSA and CRA, and in-house compliance trainer. Dee has earned the industry certifications of CRMA (Certification in Risk Management Assurance), CRCM (Certified Regulatory Compliance Manager), CFE (Certified Fraud Examiner), and CAMS (Certified Anti-Money Laundering Specialist).

Karen S. Clower, CRCM

Consultant and Compliance Operations Manager

Karen Clower is a compliance consultant and the compliance operations manager at Young & Associates, Inc. Her primary responsibilities include new client inquires and engagement letters, scheduling of compliance contracts, answering compliance hotline calls, 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 offi cer 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 and is a Certified Regulatory Compliance Manager.

Michelle R. Graber, CRCM

Consultant

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.

Mary Green, CAFP

Consultant

Mary Green is a compliance consultant with Young & Associates, Inc. Her primary focus at the company is BSA and compliance reviews for client banks. Mary has over 35 years in community banking and has worked in various areas of the industry including retail, lending, BSA and compliance. Her experience includes bookkeeping, customer service, branch manager, business development offi cer, mortgage officer, and AVP of banking, as well as BSA and Compliance Officer.  Most recently, Mary served for eight years as an executive officer and the Director of Compliance for a multi-bank holding company in the Midwest. She enjoys working closely with fellow bankers to assist them in enhancing their processes and providing tools to strengthen their programs.  Mary has earned the industry designation of Certified AML and Fraud Professional (CAFP).

Terri A. Klemann

Consultant

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. At Young & Associates, Inc., 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. Terri also performs BSA and deposit compliance reviews and assists client banks with policy development.

Aaron Lewis

Consultant

Aaron Lewis is a consultant in the lending division of Young and Associates, Inc. As a consultant Aaron assists client banks by performing loan review. In addition to loan review, he has performed reviews in lending compliance and quality control. Prior to joining Young and Associates, Inc. he was employed by a community bank in southeast Michigan for eleven years. While at the bank, he worked his way through various facets of the operation from front-line customer service to branch management and finally as Vice President, Credit Administrator. He has secondary market, compliance, and asset quality experience. Aaron holds a B.A. in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.

Barbara A. McKenzie

Consultant

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.

Dale Neiss, CRCM

Consultant

Dale Neiss is a compliance consultant with Young & Associates, Inc. With over 30 years of banking experience in Denver, CO, Dale has developed and implemented compliance management systems, loan review and community reinvestment act (CRA) programs, and enterprise risk management (ERM) framework for multiple banks. He has held the titles of Compliance and Loan Review Manager, BSA and CRA Officer, and Enterprise Risk Management Director. Prior to his Denver, CO banking experience, Dale began his banking career with the Office of the Comptroller of the Currency in Indianapolis, IN as an associate national bank examiner. At Young & Associates, Inc., he provides consulting and training, as well as writes articles and compliance manuals. He holds the designation of Certified Regulatory Compliance Manager (CRCM) by the Institute of Certified Bankers in Washington, D.C. Dale earned a Bachelor of Business Administration degree in Finance and Management from Kent State University.

Lindsay J. Nunn

Consultant

Lindsay Nunn is a compliance consultant with Young & Associates, Inc., primarily serving client banks in the Midwest. Lindsay performs in-bank compliance reviews and consulting, conducts in-house compliance training, and serves as a compliance officer for several mid-size community banks with branching networks. Prior to joining Young & Associates, Inc., Lindsay worked for 12 years as an associate for a bank consulting company specializing in consumer compliance for community banks, and 25 years as Compliance Officer, Community Reinvestment Officer, Vice President of Loan Administration for commercial and consumer loan departments, and Mortgage and Consumer Loan Officer, as well as Internal Auditor for a mid-size community bank in the Midwest. She has held the titles of Compliance Officer, CRA Officer, Vice President Loan Administration, and Internal Auditor, and has extensive experience in the areas of compliance, training, internal audit, privacy, deposit and loan operations, retail banking, and secondary market lending. Lindsay is a graduate of the BAI School of Banking in Madison, Wisconsin in the area of Community Bank Management. She earned a BS in Finance and Law with a concentration in Business Administration from Illinois State University.