Meet Our Consultants

Prior to joining PCi, Ms. Speh was a Review Examiner in the Federal Reserve Board's Division of Consumer and Community Affairs, specializing in CRA, electronic banking, and examination automation. At the Board, she oversaw the development of the CRA school and implemented a CRA examination analysis tool. At The Secura Group, Ms. Speh was a consultant specializing in consumer protection regulations.

Ms. Speh has spoken at many industry conferences, written several articles focusing on CRA, HMDA, and fair lending implementation best practices and contributed to the Fair Lending Toolbox and the CRA: Concepts, Tools, and Resources produced by the American Bankers Association. Ms. Speh is a graduate of the ABA compliance school and has a BA in Finance, with a concentration in Banking, from Stetson University.

Edward B. Kramer is Executive Vice President, Regulatory Programs at PCi Corporation. Prior to this position, Mr. Kramer was Deputy Superintendent of Banks in charge of the Consumer Services Division of the New York State Banking Department, 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.

Mr. Kramer was previously First Senior Vice President and Director of Residential Mortgage Lending at The Dime Savings Bank of New York, a Vice President of Public Affairs for the Savings Association League of New York State and was Executive Assistant to the Superintendent of Banks from 1971 until 1974.

From 1996 to early 2000, Mr. Kramer served as a Public Member of the New York State Banking Board where he evidenced his knowledge of, and commitment to, the Community Reinvestment Act and related matters. As one of Governor George Pataki’s appointees to the board, he played a major role in the board’s deliberations of some of the largest banking industry mergers. During the six and one half years he served as Deputy Superintendent of Banks, he represented the Superintendent of Banks as a director on 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 a member of Community Board 8 in the Borough of Manhattan.

Mr. Kramer received his MBA in Management, with distinction, from Pace University.

Amy Downey combines her knowledge and experience as a former operations
manager, corporate counsel and compliance manager to help financial organizations
minimize compliance and operational risks through the use of technology and process
optimization solutions. Downey’s expertise extends to a wide variety of regulatory
compliance areas, including mortgage lending operations, training and auditing.

Experience

• Nearly a decade of regulatory compliance experience, including managing, training, examinations and reporting
• Senior compliance consultant, Wolters Kluwer Financial Services
• Former vice president of Operations, EverBank, a nationwide online bank with a retail presence in North Florida, where she was responsible for managing operational and regulatory risks, policies and procedures, data integrity and training for all residential mortgage production divisions of the bank
• Former corporate counsel for EverBank, concentrating in compliance and mortgage complaints

Jeffrey Robb, Senior Consultant and Vice President of Services at PCi.  Mr. Robb has over fifteen years of Banking and Regulatory Compliance experience.  Prior to joining PCi Mr. Robb was a Senior Vice President - CRA, HMDA and Fair Lending Compliance Officer at Provident Bank in Cincinnati, OH. He has been through many CRA / HMDA / Fair Lending compliance examinations and has received "Outstanding" CRA ratings from 7 of his last examinations by both the OCC and FRB. 

Mr. Robb has written several articles on data analysis for CRA and fair lending and has spoken at numerous conferences including the ABA compliance conference and the MBA Legal Issues in Regulatory Compliance conference.  Mr. Robb graduated from Kent State University with a BS in Aeronautics.  Served in our armed forces as a Captain in the USAF, currently a Reserve pilot and has graduated from both the ABA Compliance and Graduate Compliance Schools.

As a Senior Consultant for Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) compliance, Lyndon assists PCi clients in the successful application of various technology tools that are designed to promote regulatory compliance and business efficiencies. This work involves consulting, training, and product development.

Prior to joining PCi, Lyndon worked as a Federal regulator of AML and BSA compliance for the Internal Revenue Service (IRS) and the Federal Deposit Insurance Corporation where he served as a BSA/AML subject matter expert. In those positions he researched, analyzed, and applied AML, BSA, and Consumer Protection banking regulations to resolve various compliance reporting problems. In addition, while with the IRS, Lyndon assisted U.S. Attorneys by providing testimony as an expert court witness for Federal Government AML cases. He has also made presentations at banking industry events. Lyndon holds the Certified AML Specialist (CAMS) credential. Also, as a former IRS Taxation Revenue Agent, Lyndon is an Enrolled Agent, licensed to represent business entities in taxation controversy matters.

After a twenty-four year career with the government, Lyndon worked as Vice President of AML Quality Assurance for Comerica Bank in Detroit, MI. In this position he was responsible for the development of supplemental AML and BSA audit methodologies and various compliance services to be utilized in the business divisions of the bank.

Lyndon earned his Master of Business Administration accounting degree from Baker College in Flint, MI and completed his undergraduate work in Corporation Finance from Wayne State University in Detroit.

Experience

• Vice President of AML Quality Assurance – Comerica Bank, Detroit, MI
• AML/BSA Subject Matter Expert - Federal Deposit Insurance Corporation
• AML/BSA Bank Compliance Examiner – Federal Deposit Insurance Corporation
• BSA Representative – Internal Revenue Service
• Expert court witness for Federal AML cases

Mr. Zickefoose joined PCi Services, Inc., in January 1997. He is the company’s lead instructor for their CRA software products, teaching clients how to best use demographics, HMDA and CRA peer data, plus other resources to prepare for examinations. In this capacity, he developed two new courses – “Exam Preparation”, and “Preparing a Performance Context.” He is also the company’s lead instructor for the Fair Lending Wiz software.

Prior to joining PCi, he was a National Bank Examiner with the Office of the Comptroller of the Currency, spending the last several years of his career conducting Fair Lending and CRA examinations in the Western District. In 1996, he was selected as one of a core group of instructors to teach examiners about the revised CRA regulation, and was also one of the core instructors for the agency’s Fair Lending schools. During his last year with the OCC, he devoted considerable time to enhancing the fair lending exam process by using computer-based tools.

Earlier in his OCC career, Mr. Zickefoose also spent five years designing and teaching all compliance schools for the agency.

Ellen Murphy leads customized training courses on Community Reinvestment Act
and Home Mortgage Disclosure Act issues that focus on maximizing financial
organizations’ use of technology through the management of data flow, analyzing
processes and integrating best practices, as well as customizing documentation.

Experience

• Consultant, senior trainer and interim manager of Client Consulting, Wolters Kluwer Financial Services
• Lead consultant and product specialist on high-profile business process optimization projects

Patrick McEvoy is the resident SQL Server Database Administrator and Crystal Reports expert for PCi’s Professional Services team. Patrick manages the more technical customer support issues for the CRA Wiz 6.x program including Database Administration, SQL scripting, importing/editing data, and engineering custom reports. In addition, he is responsible for ensuring clients know how to best utilize their software to accomplish their programmatic goals. In this capacity, he is actively involved in regulatory, database analysis, and mapping education. Mr. McEvoy has an ongoing requirement to attend a minimum of 100 hours of industry and product training each year to stay appraised of current compliance and software issues.

Mr. McEvoy joined PCi Corporation in May 2002. Before joining PCi, Patrick worked at CPS Corporation as a Database Administrator/Analyst, concentrating on areas of database marketing and bank conversions. He has a Masters of Business Administration with a concentration in Management Information Systems from Anna Maria College in Paxton, Massachusetts.