Karen S. Clower, CRCM
Director of Compliance
Karen Clower is a Consultant and and the Director of Compliance 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.
Bill Elliott, CRCM
Director of Compliance Education
Bill Elliott has over 40 years of banking experience. As a Senior Consultant and Director of Compliance Education at 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, 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.
Director of Lending Education
Aaron Lewis has more than 15 years of experience in the banking industry. A majority of his time is dedicated to the lending division of Young & Associates, Inc., assisting client banks with loan reviews, ALLL reviews, policy reviews, and credit process reviews. Aaron also assists the compliance division by contributing to various regulatory compliance reviews. In addition to review work, Aaron conducts seminars covering various credit risk and compliance topics.
Prior to joining Young & Associates, Inc. Aaron was the Vice President Credit Administrator of a community bank in southeast Michigan. During his time at the bank, Aaron managed all facets of the lending function including originations, underwriting, ALLL analysis, servicing, and secondary market compliance. Aaron holds a B.A. in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.
Michelle R. Graber, CRCM
Michelle Graber has over 24 years of community banking experience. As a 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. Prior to joining Young & Associates, Inc., Michelle spent 19 years as a compliance officer at two community banks. She has served as CRA Officer, 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.
William J. Showalter, CRCM, CRP
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.
Dee Bedell, CRMA, CRCM, CFE, CAMS
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).
Sharon Bond, CRCM
Sharon Bond is a Consultant in the compliance department at Young & Associates, Inc. where she specializes in consumer compliance. Sharon 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. With over 30 years of industry experience, she has a strong background in mortgage lending and in federal consumer compliance laws and regulations. Sharon was an Associate National Bank Examiner with the Office of the Comptroller of the Currency (OCC) for five years. She holds the designation of Certified Regulatory Compliance Manager (CRCM) and the Six Sigma Qualtec Black Belt certifications.
Mary Green, CAFP
Mary Green is a 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 officer, 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
Terri A. Klemann is a Consultant with Young & Associates, Inc. She has been in banking for more than 24 years and has worked exclusively with community banks of all sizes. Terri specializes in Bank Secrecy Act compliance, front-line operations, privacy, deposit compliance, identity theft, security and robbery, and customer service issues, and has a broad knowledge base of other compliance-related issues. Terri frequently presents in-bank BSA employee and board member training. She also leads BSA seminars for directors and board members, BSA officers, managers, customer service representatives, and tellers. She has presented seminars for various trade associations with topics including developing and auditing Bank Secrecy Act/Anti-Money Laundering (BSA/AML) programs, BSA/AML for new and experienced frontline employees, identity theft, and security and robbery, as well as addressing new rules and trends. At Young & Associates, Terri performs BSA and deposit regulation compliance reviews, authors compliance articles for the monthly Compliance Update newsletter, and assists client banks with policy development.
Barbara A. McKenzie
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
Dale Neiss is a 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.