Southeast Banker Outreach Forum - October 23, 2013
Speaker Biographies

Dean Anderson is a senior technical expert in the surveillance unit of the risk management and analysis group of the Federal Reserve Bank of Atlanta.

Before assuming this role, he was a senior analyst in the credit and risk management department. His career began in 1995 as a broker for a small brokerage firm in Atlanta. Over the next four years, he then worked as an analyst for the Atlanta Fed's Statistical Reports Department and later the Credit and Risk Management Department. After leaving the Fed in late 1999, he worked as a manager at technology start-up THINKologies. In 2001, he founded Renaissance Analytics, an independent equity and market research firm.

For the next several years, in addition to his responsibilities with his firm, Anderson was an investor and participant in other entrepreneurial pursuits, most recently as minority partner in a small business development company. He rejoined the Fed in December 2008. He holds a BBA in finance and an MS in management science from Georgia State University and has completed graduate studies in finance at Indiana University.

Brian Bailey is the senior financial policy analyst in the supervision and regulation division of the Federal Reserve Bank of Atlanta. Bailey is responsible for thought leadership in commercial real estate and providing guidance on valuation issues. He has extensive experience with commercial real estate valuation, transaction, development, and financial issues spanning both the public and private sectors.

Prior to joining the Atlanta Fed, Bailey worked for the private equity firm Tavistock Group and oversaw real estate finance and acquisitions. He was responsible for valuation, directing due diligence and financial modeling operations, which included assessing and identifying the most financially feasible development scenarios. Before joining Tavistock, he was the director of real estate finance for Flagler Development Group, Florida's largest commercial real estate developer. At Flagler, he was responsible for the company's valuation and financial analysis functions, as well as providing guidance on various financial issues related to development, leasing, and valuation. He provided real estate and financial investment advice to the company's senior management and investment committee.

His experience includes working for Ernst & Young LLP, where he was an executive. Bailey managed multiple engagements for both private- and public-sector clients. His advisory experience includes asset acquisition/disposition, transaction due diligence, valuation, feasibility and market studies, loan due diligence, review of leases, and cash flow modeling. Prior to joining Ernst & Young, he founded and operated an industrial development company that specialized in the acquisition, development, and refurbishment of industrial and office properties. Bailey got his start in commercial real estate as a local market appraiser.

After receiving a BA in business administration from Mercer University, Bailey earned an MBA with concentrations in real estate and finance from the University of Florida. He also attained the CCIM designation.

Joseph Curry is a senior examiner for the community bank examination team in the supervision and regulation division at the Federal Reserve Bank of Atlanta. Prior to joining the Federal Reserve Bank in April 2011, Curry worked in the asset securitization group at SunTrust Robinson Humphrey. He previously worked at Deutsche Bank, E*Trade Financial, and Freddie Mac and has 15 years of experience in the finance industry.

He earned a BA in economics from Northwestern University and an MBA from the University of Virginia and is a Chartered Financial Analyst (CFA).

Tony DaSilva has been a senior examiner with the Federal Reserve Bank of Atlanta since 2003. He is a member of the community bank organizations group focusing on back office operations functions, information technology (IT), and payment processing functions.

DaSilva has 21 years of commercial banking experience. He began his banking career at the Citizens & Southern Bank of Georgia, now Bank of America, where he spent 18 years in various operations management positions. Prior to joining the Atlanta Fed, he was the vice president of marketing and product management for Prudential Bank. DaSilva has held management and senior management positions in deposit operations, item processing, credit card, merchant credit card, ACH, loan processing, branch support, and remittance processing operations. He also has product, marketing, sales, project, and client relations management experience. He was a participant at the Federal Financial Institutions Examination Council (FFIEC) IT Symposium, from which the remote deposit capture guidance originated; he also is one of the primary contributors to the revision of the FFIEC's IT examination handbook on retail payments. He has been an instructor for the American Institute of Banking (AIB), the American Bankers Association (ABA), the Payments Institute, and a regular speaker at ABA, the Electronic Payments Association (NACHA), and Bank Administration Institute (BAI) conferences and other regional conferences.

He received a bachelor's degree from the University of North Georgia and a master's degree in management from the University of Alabama–Huntsville. He is an accredited ACH professional and a certified information systems auditor.

Hillary Fowler is an examiner for the capital assessment and model risk management team within the supervision and regulation division at the Federal Reserve Bank of Atlanta.

Prior to joining the Atlanta Fed in 2012, Fowler gained extensive banking experience working in the financial services industry at several Wall Street firms. At Goldman Sachs, she developed expertise in the debt capital markets as part of the Financial Institutions Financing Group. Prior to that, she worked at Citigroup in the Financial Institutions Group within the Global Corporate & Investment Bank. She began her career as a financial adviser at Banc of America Securities.

She earned a BA in economics from Duke University.

Paige Harris is an assistant vice president in the Federal Reserve Bank of Atlanta's supervision and regulation (S&R) division. In this role, she leads the daily operations of the division's consumer compliance and complaints function.

Prior to assuming her current responsibilities, Harris was director of examinations in S&R's consumer affairs area. She began her career with the Bank in 1984 as an associate examiner and later held positions at the Office of Thrift Supervision and in the private sector, where she served as vice president and compliance officer at SouthTrust Bank and as a regional regulatory risk manager at Synovus Financial. Harris also worked as an independent consultant for several local community banks. In 2010 she returned to the Atlanta Fed to manage a team supervising the Sixth District's large, complex banks and bank holding companies.

Harris has also been involved in a number of System-level initiatives. She is an alternate on the System Consumer Compliance Management Group and has served in several cross-functional exams and work groups.

A native of Lenoir, North Carolina, she holds a bachelor of business administration in accounting from Appalachian State University and a master's of business administration in risk management and insurance from Georgia State University. Harris also earned a certified regulatory compliance manager designation from the American Bankers Association.

Kathryn Hinton is an assistant vice president in the supervision and regulation division at the Federal Reserve Bank of Atlanta. She is responsible for the anti-money laundering, information technology, wealth management, and operations risk teams.

Before joining the Bank, Hinton worked as a commercial lender. She joined the Atlanta Fed in 1992 as an international bank examiner and served as a field team leader for the international examinations area, which examines foreign banking organizations that conduct business in the Sixth District. In 2004, she became director of operations risk responsible for the Bank Secrecy Act/anti-money laundering team. In 2008, Hinton was appointed assistant vice president.

Beyond her primary responsibilities, she serves as an instructor at Federal Reserve System examination schools and has conducted seminars on anti-money laundering and foreign banking organizations. She has also been involved in considerable public outreach efforts.

Hinton holds a BA in education from the University of Idaho and an MBA from California State University.

Scott Hughes is the director of the risk analysis unit in the supervision and regulation division of the Federal Reserve Bank of Atlanta. Prior to becoming director, he was a subject matter expert in the policy and supervisory studies group and was responsible for monitoring emerging trends in the banking industry and residential and commercial real estate.

In April 2007, Hughes came to the Atlanta Fed from the Federal Deposit Insurance Corporation (FDIC) in Atlanta, where he had worked for 10 years as a regional economist. With field exam teams as an audience, he analyzed regional economic and banking trends for the FDIC's Atlanta region.

Before working for the FDIC, he was an economist with two economic consulting firms: Global Insight and what is now Moody's Economy.com. His responsibilities included forecasting and analyzing economic trends in the Southeast. He was also the manager for Global Insight's residential real estate forecasting service and was responsible for maintaining and updating Moody's Economy.com state and metro modeling system on a monthly basis.

Scott has an MA in economics from Temple University and an MA in political science from the State University of New York. He also received a BA in intercultural studies from Bard College.

Michael Johnson is a senior vice president in the supervision and regulation division of the Federal Reserve Bank of Atlanta. In this role, he oversees the district's supervision of state member banks, bank and financial holding companies, and U.S. branches and agencies of foreign banking operations.

Johnson has spent his entire career with the Federal Reserve System and served in a number of leadership roles within banking supervision, including vice president and managing director of the large institutions group at the San Francisco Fed. Prior to that, he was an assistant vice president and director of the risk monitoring and analysis group. He began his career at the Dallas Fed, where he spent 10 years in bank supervision.

A collaborative leader, Johnson's experience in nearly all business lines and support functions in supervision and regulation has afforded him a broad perspective and continues to inform his belief that there are many different approaches to reach a common goal.

In addition to his Atlanta Fed responsibilities, Johnson serves on the Fed System's Supervision Committee and the Large Banking Organizations Management Group.

A native of Texas, Johnson holds a bachelor's degree in economics and a bachelor of business administration, both from the University of Texas–Austin.

John Kolb is a vice president in the supervision and regulation division of the Federal Reserve Bank of Atlanta. He oversees the risk management and analysis group and leads the division's Risk Council. Kolb joined the Atlanta Fed in 2000 and is based in the Birmingham Branch. Since joining the Federal Reserve, he has served as directing examiner, senior capital markets specialist, large bank central point of contact (examiner-in-charge), director of capital markets, and assistant vice president over capital assessment, credit, and market and liquidity risk.

Before joining the Fed, Kolb was a national bank examiner with the Office of the Comptroller of the Currency (OCC). With the OCC, he worked mainly out of the southern district in the large bank supervision division. Prior to that, he worked for a community bank in the Southeast. His financial industry experience covers more than two decades and includes roles in community, regional, and multinational financial institutions. He has also served as an instructor in domestic and international training programs on credit and market risks.

Kolb graduated from the University of Southern Mississippi with a degree in finance and holds the Chartered Financial Analyst (CFA) designation. He has also completed executive development programs at Harvard Business School and the University of Pennsylvania's Wharton School.

Mark Medeiros is a senior examiner for the community bank examination team in the supervision and regulation division at the Federal Reserve Bank of Atlanta. Medeiros started his banking career in 1988 as an examiner for the Office of Thrift Supervision in the Supervision and Regulation Department. He spent nine years in the banking industry as a vice president and senior vice president for various size banks at the community and regional bank level. In his role as banker, he was responsible for overseeing various lending functions, which included loan production, credit underwriting, and special assets/collections.

Since joining the Federal Reserve in 2003, Medeiros has been involved in various special projects directed by the Board and the Shared National Credit Program. He has also served as an instructor. He is currently responsible for the oversight of the Allowances for Loan and Lease Losses (ALLL) at the various community bank examinations throughout the Sixth District.

He holds a finance degree from the University of Miami as well as an advanced degree from the Graduate School of Banking at Louisiana State University.

Allen Stanley is an assistant vice president in the supervision and regulation division at the Federal Reserve Bank of Atlanta. He is a member of the community bank supervision group.

Stanley joined the Atlanta Fed in 1989 and has held positions of increasing responsibility within supervision and regulation.

He earned a bachelor's degree in industrial management from the Georgia Institute of Technology and an MBA in finance from Georgia State University. He also attended the executive development program at Northwestern University's Kellogg Graduate School of Management.

Steve Wise is a vice president in the supervision and regulation division at the Federal Reserve Bank of Atlanta, with responsibility for community banking organizations in the Southeast.

Wise joined the Federal Reserve System in 1987 as a financial analyst and was promoted to an enforcement examiner in 1989 at the Dallas Fed. He transferred to Atlanta in 1991 as an associate examiner in bank holding company supervision. In 1997 he was promoted to senior examiner and manager. In 1998 he was made director of one of the domestic safety and soundness examination teams in the division's community banking area. He was promoted to assistant vice president in 2006 and vice president in 2010.

Wise earned a bachelor's degree in finance from the University of Texas–Arlington and is a certified public accountant.