A veteran of the financial services industry with more than four decades of experience, Mr. Kramer calls upon the knowledge and skills he acquired as a prominent regulator and bank executive to help the nation’s leading banks and lenders address their most complicated compliance and risk management requirements.While at the New York State Banking Department, Mr. Kramer was the Deputy Superintendent of Banks in charge of the Consumer Services Division, which is responsible for performing consumer compliance and fair lending examinations and administering the Community Reinvestment Act. The division also coordinates economic development and CRA outreach activities with banks and community organizations. His experience covers all areas of bank regulatory compliance, including the Community Reinvestment Act, Home Mortgage Disclosure Act, and Fair Lending. He represented the Superintendent of Banks on several organizations such as: the State of New York Mortgage Agency Board, and the Empire State Development Agency Board. He is currently a member of the Northeastern Regional Board of Directors of Operation Hope, Inc., and the Mortgage Electronic Registration Systems, Inc.(MERS) Board of Directors. Mr. Kramer also serves on the Advisory Board of Neighborhood Housing Services of New York City (NHS). He is also a regular lecturer at the Pace University Center for Governance, Reporting & Regulation.