• Expert Testimony

  • Litigation Consulting

  • Regulatory and Risk Advisory Services


Provided by an accomplished financial services executive with unique perspectives as a former senior bank regulator (both policy and supervision), Chief Risk Officer, and banking consultant (shadow regulator). Demonstrated credit and enterprise risk Identification, evaluation, and management expertise. Expert knowledge of regulatory policies and practices and industry standards including heightened risk management standards, risk assessment, examination, and enforcement. Proven regulatory issue remediation and troubled bank remediation and resolution expertise. 40 years of experience with financial services organizations ranging from community, to regional, to systemically important.

Banking, Bank Supervision, Regulation and Enforcement, Troubled Institutions, Regulatory Relations
Credit and Credit Risk Management, Enterprise Risk Management, Bank Safety and Soundness and Compliance Risk Matters




Regulatory/Risk Advisory Services


Enterprise Risk Management

  • Culture and Tone at the Top
  • Governance and Structure
  • Risk Assessment, Identification, Measurement, Reporting, and Mitigation
  • Audit and other Assurance Functions
  • Board Risk Reporting
  • Heightened Standards

Commercial and Retail Credit

  • Portfolio Credit Risk Management and Credit Administration
  • Risk Analysis and Evaluation
  • Risk Recognition and Ratings
  • Credit Risk Accounting Matters
    • (non-performing, TDR’s impairment, etc.)
  • Problem asset management
  • Credit risk review

Allowance for Loan Losses


Regulatory Relations Management


Troubled Institutions

  • Identification
  • Rehabilitation and Resolution

Enforcement Matters

  • Avoidance
  • Compliance

Policies, Plans and Frameworks

  • ERM
  • Credit
  • Problem Asset Management
  • Liquidity and Contingency Funding
  • Capital Adequacy
  • Capital Restoration
  • Strategic
  • Compliance
  • Crisis Management and Recovery

About David D. Gibbons & Company

Banking, Bank Supervision, Regulation and Enforcement, Troubled Institutions, Regulatory Relations, Credit and Credit Risk Management, Enterprise Risk Management, Bank Safety and Soundness and Compliance Risk Matters

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