I enjoyed a forty-four year career in the financial services industry of both the public and private sectors. I learned the banking business through my experience with the Office of the Comptroller of the Currency (OCC). That experience was gained in big, small, healthy and troubled banks. I honed my administrative skills (the mops and brooms part of my career) as the Director for Administration in the OCC's Northeast District in NYC. My dealings with troubled financial institutions at OCC allowed me to move to the Farm Credit Administration as the Director for Analysis and Supervision. My role there was to oversee the ongoing financial and economic analysis of the agricultural sector and to lead the implementation of the FCA's new enforcement authorities. I joined the US Government Senior Executive Services ranks at FCA. After twenty years of public service I joined the private sector as Executive Vice President and Chief Credit Administrator at a bank holding company in Washington, DC, James Madison Limited. The banks were all primarily real estate oriented and were in dire financial straits. I accepted additional duties as President of the corporation and merged four banks into two but was unable to overcome the dramatic collapse of the real estate market. I spent a brief time as an individual consultant before joining the $51billion 1st Interstate Bancorp as SVP and Credit Review Officer. I then joined the Regulatory Advisory Services Practice at PricewaterhouseCoopers and closed my career as Ombudsman at the Federal Housing Finance Agency.