SUMMARY OF QUALIFICATIONS ROCS Consulting Managing Director, 2000 - Present Proprietor of an Independent Consulting practice. The firm specializes in Regulatory, Compliance and Operational consulting for the securities and banking industry. ROCS Consulting provides assistance to Broker Dealers, Registered Investment Advisors, Banks, Trust Companies, Insurance Companies, Investment Companies, Bank Securities Dealers and Transfer Agents. Our services include Securities Compliance Regulation, Back Office Administration, Licensing and Registration, and Systems Technology. Additionally we have worked with various regulatory bodies providing training and expert witness assistance. KPMG CONSULTING, LLC MANAGER, 1999 - 2000 Performed a detailed review and analysis of the FOCUS preparation process for a self -clearing broker/dealer operation. The review encompassed the firm's net capital computation, reserve formula calculation, possession and control procedures and the collection of financial and operational data for regulatory reporting purposes. A report to management was prepared with observations of deficiencies and detailed recommendations. The report also included a data map that identified the relevant regulatory reporting information and the system resources that provide the information. Performed an End-to-End Business Assessment of a Capital Markets Fiduciary Trust Services operation. The review encompassed the firm's debt servicing of Commercial Paper and Conventional Debt products. A report to management was prepared that analyzed the operations work flow, organizational structure, management information reporting, internal controls and technology. Developed Equity Option Supervisory Procedures for an Equity Derivatives operation of large Capital Markets organization. DOVER INTERNATIONAL, LLC SENIOR VICE-PRESIDENT, 1996 - 1999 Designed and developed compliance, regulatory and operational processing systems and procedures for a range of financial institutions. These assignments have covered areas including asset allocation WRAP accounts retail sales activities back office securities processing Chinese Wall and Insider Trading brokerage accounting financial reporting markups and markdowns net capital computations the customer reserve formula and possession and control. Consultant to the Government of Puerto Rico's Office of the Commissioner of Financial Institutions on enforcement and regulatory matters, as well as providing training and examination procedures for the office's securities examiners. Assisted with the management of Regulatory examinations. THE INVESTMENT FIRM OF KEOGLER, MORGAN AND COMPANY, INC. FIRST VICE-PRESIDENT AND DIRECTOR OF COMPLIANCE, 1995 - 1996 Director of Compliance for a retail sales independent contractor broker/dealer with 450 registered representatives. Responsibilities includes daily compliance department management of sales activity field audits asset advisory programs liaison with corporate and regulatory authorities adapting of firm policies and procedures managing response to customer complaints, regulatory inquiries and arbitrations and, blue sky laws, registration and licensing department functions. UNITED STATES SECURITIES AND EXCHANGE COMMISSION, ATLANTA REGIONAL OFFICE SECURITIES COMPLIANCE EXAMINER - TEAM LEADER, 1990 - 1995 Function as a team leader for the larger and more complex examinations of NYSE and NASD member firms and municipal and government securities dealers. Responsible for the examination of the NASD District Office and their programs. Provided support and served as an expert witness for the Enforcement Division's actions that resulted from the examination findings. Also, responsible for the development of Region examination program's annual plan and the coordination and organization of the resources to accomplish the overall goals. NATIONAL ASSOCIATION OF SECURITIES DEALERS, DISTRICT #7 - ATLANTA (NKA FINRA) SENIOR COMPLIANCE EXAMINER - 1985 - 1990 Responsible for conducting on-site examination of larger NASD member firms books and records and sales practice activities to ascertain compliance with securities industry rules and regulations monitoring and analyzing monthly financial/operational reports and market activities and, preparation of narrative and statistical reports which document examination findings to the District Business Conduct Committee. Assisted in the training and development of Examiner-Trainees.

Highlights:

• Accounting
• Back Office
• Banking Industry
• Capital markets
• Complaints
• Consulting
• Derivatives
• Equity
• Financial
• Financial Reporting