Proven C level executive management banking and financial services; lending; operations and finance. Success in startup businesses banking and financial services. Financial services consulting product development, operations and administration. Acquisition and assimilation of financial services companies and banks. Extensive background with regulatory and banking issues. Strong management skills working with officers and staff; team builder with proven motivational skills. Experience in forming new banks and businesses. Succesful track record obtaining charter for Denovo banks from business plan through startup operations Close working relationship with OTS, OCC and FDIC. Strong finance background. Extensive knowledge of regulatory environment.Entrepreneurial expertise including service bureaus, software sales and consulting. Background includes owning, marketing and operating service businesses.Turn around experience with work outs for banks having difficulty with operations and distressed assets. Operational background for cost efficiencies and expense reductions. Innovator with a financial services product development history. Sweep, FDIC insured . Interface brokerage and Banking. Engaged as an Expert witness patent infringement banking & brokerage deposit sweep and placement. Product development and marketing expertise.MBA, BA, AASSpecialties: Executive management financial services; lending; operations and finance. Startup financial Services. Extensive experience in obtaining charter for Denovo Bank OTS, OCC and FDIC. Technology support services. Consulting product development, operations and administration. Acquisition and assimilation of banks. Extensive regulatory and banking knowledge. Turnaround, expense and cost reduction. Product development. Teaching college level. Expert witness banking operations. Banking and brokerage product expert witness. Sweeps and FDIC insured products.