John C. Soffronoff, Jr. is the President, Compliance, at ICS Risk Advisors. In leading ICS’ compliance practice, John establishes a consultative approach managing a staff of professionals who carry ...
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John C. Soffronoff, Jr. is the President, Compliance, at ICS Risk Advisors. In leading ICS’ compliance practice, John establishes a consultative approach managing a staff of professionals who carry out that approach serving financial institutions, from De Novo banks to large billion-dollar bank holding companies.

Prior to joining ICS Risk Advisors, John provided leadership at the Federal Deposit Insurance Corporation for more than 10 years. As the Review Examiner in the New York Regional Office for the Division of Compliance and Consumer Affairs for five years, he was responsible for reviewing examination programs for compliance, quality, and consistency; participating in the development of regulations, policies, and procedures; and overseeing institutions with deficient compliance programs. John also participated in the development of the compliance examiner curriculum for FDIC's national training program, administering the Compliance Training Program for the New York region, and serving as the New York region’s electronic banking expert.

John is a graduate of Moravian College.
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As a nationally recognized expert on consumer compliance issues with more than 30 years of bank and regulatory compliance experience, Ken Baebel serves as Director of Regulatory Relations. Previous Experience Prior to joining ICS Risk...
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As a nationally recognized expert on consumer compliance issues with more than 30 years of bank and regulatory compliance experience, Ken Baebel serves as Director of Regulatory Relations.

Previous Experience
Prior to joining ICS Risk Advisors, Ken was responsible for lending compliance with respect to consumer protection and fair lending laws at a $17 billion savings bank. He also has years of experience on the regulatory side of the industry, having been a Senior Review Examiner in the Division of Consumer and Community Affairs at the Board of Governors of the Federal Reserve System and an Assistant Director for Compliance Policy with the FDIC.

Professional Affiliations
• Certified Regulatory Compliance Manager

Education
• Bachelor of Arts, University of Bridgeport
• Master of Business Administration, American University
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With more than 20 years of compliance risk management experience in the financial services industry, Paul Brinker has sophisticated expertise in risk modeling, procedure development, project management, and process...
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With more than 20 years of compliance risk management experience in the financial services industry, Paul Brinker has sophisticated expertise in risk modeling, procedure development, project management, and process improvement.

Previous Experience
Prior to ICS Risk Advisors , Paul was Vice President, Chief Compliance Officer for a $450 million bank subsidiary of a nationwide mortgage lender where he functioned as BSA/AML Officer, Information Security Officer, and Chief Privacy Officer. Earlier in his career he held roles as National Bank Examiner for the Office of the Comptroller of the Currency (OCC), Director of Corporate Compliance for an $11 billion multi-bank, interstate holding company, and Compliance Manager for a $2.3 billion multi-bank, interstate holding company.

Professional Affiliations
• Certified Regulatory Compliance Manager
• Certified Financial Services Auditor
• ABA Graduate School of Compliance Management

Education
• Bachelor of Science in Business Administration, University of Cincinnati
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Pamela Buckley is a Certified Regulatory Compliance Manager who brings more than 22 years of regulatory compliance experience and expertise to ICS Risk Advisors. She manages the firm’s New England Region, partnering with over 70 financial...
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Pamela Buckley is a Certified Regulatory Compliance Manager who brings more than 22 years of regulatory compliance experience and expertise to ICS Risk Advisors. She manages the firm’s New England Region, partnering with over 70 financial institution clients.

Previous Experience
Prior to joining ICS Risk Advisors, Pam enjoyed a successful career with the FDIC. She filled a number of roles, including Compliance Review Examiner, Acting Field Office Supervisor, and Senior Compliance Examiner. As a former examiner, Pam is an expert in compliance requirements and assists her financial institution clients in effectively implementing compliance solutions. Additionally, she is a recipient of the FDIC’s Nancy K. Rector Award in recognition of her community service initiatives.

Pam’s areas of expertise include compliance program administration, training, Community Reinvestment Act (CRA), ECOA, Fair Housing, RESPA, and HMDA. With a reputation as a regulatory compliance go-to professional, she is a frequently requested speaker at regulatory compliance conferences throughout New England, specifically the Massachusetts Bankers Association’s Compliance Academy, and she is a contributing author for MBA Magazine.

Professional Affiliations
• Certified Regulatory Compliance Manager through the Institute of Certified Bankers
• Member, Eastern Massachusetts Compliance Network
• Associate Member, Massachusetts Bankers Association
• Associate Member, New Hampshire Bankers Association

Education
• Bachelor of Science in Finance and Investments, Babson College
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Robert W. Cardwell brings more than 20 years of compliance experience to ICS Risk Advisors clients, having a strong background in Bank Secrecy Act program services. Previous Experience Robert was a Vice President, Chief Complian...
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Robert W. Cardwell brings more than 20 years of compliance experience to ICS Risk Advisors clients, having a strong background in Bank Secrecy Act program services.

Previous Experience
Robert was a Vice President, Chief Compliance Officer, and BSA Officer for a large credit card bank, where he was responsible for development, implementation, and administration of a comprehensive compliance management system and Bank Secrecy Act compliance program, as well as design and delivery of compliance training, monitoring, and analysis of regulatory changes, and the management of regulatory compliance, safety, and soundness examinations by the FDIC and Utah Department of Financial Institutions.

Professional Affiliations and Certifications
• Regulatory Compliance Committee of the Delaware Bankers Association
• Risk Management Association
• Phi Alpha Delta Law Fraternity
• Montgomery and Pennsylvania Bar Associations
• Beta Gamma Sigma
• Member of the California and Pennsylvania Bars

Education
• Juris Doctor, Pepperdine University School of Law, American Jurisprudence Award in Administrative Law
• Bachelor of Science in Accounting with honors, Lehigh University
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Allan Cuttle brings more than 20 years of experience in Operational Risk Management (ORM), Enterprise Risk Management (ERM), Bank Secrecy Act/Anti-Money Laundering (BSA/AML), and Sarbanes-Oxley Compliance (SOX) to ICS Risk...
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Allan Cuttle brings more than 20 years of experience in Operational Risk Management (ORM), Enterprise Risk Management (ERM), Bank Secrecy Act/Anti-Money Laundering (BSA/AML), and Sarbanes-Oxley Compliance (SOX) to ICS Risk Advisors.

Previous Experience
Formerly, Allan served as a Risk Practice Director for a large consulting company, where he created a practice around Risk Management (ORM, ERM) and Governance, Risk and Compliance (GRC) and created a product offering around Risk and Control Spend Transformation. Prior to that, he was a Managing Director within a Big Four risk advisory practice, Deputy Chief Operational Risk Officer, and Head of Global Operational Risk Management and AML/BSA Compliance Officer for a large global banking institution. In 2002 and 2003, Allan was one of the primary authors of The Wolfsberg Anti-Money Laundering Principles for Private Banking (www.wolfsberg-principles.com).

Professional Affiliations
Allan serves as an active member of the following:
• RMA (Risk Management Association)
• GARP (Global Association of Risk Professionals)
• IAFE (International Association of Financial Engineers)
• ACAMS (Association of Anti-Money Laundering Specialists)

Education
• Bachelor of Science in Accounting/Finance, Wagner College
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Robert brings more than 25 years of experience in anti-money laundering (AML) compliance program experience to the clients of ICS. Specifically, his expertise lies in AML program development and remediation, Know-Your-Customer policies &...
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Robert brings more than 25 years of experience in anti-money laundering (AML) compliance program experience to the clients of ICS. Specifically, his expertise lies in AML program development and remediation, Know-Your-Customer policies & procedures and OFAC/Global Watch List Sanctions programs.

Previous Experience
Previously, Robert served as Manager – Global Foreign Exchange Compliance in the General Counsel’s Office of a Fortune 100 international financial institution where he oversaw development of BSA/AML compliance programs and AML/sanctions compliance technology ‘uplift’ projects. Prior to that he served in the risk services practices for a national IT consulting firm, overseeing Y2K banking systems compliance and program stress-testing for the U.S. branches of two major international banks in New York City. Robert started his career with the Central Intelligence Agency.

Professional Affiliations
• ASIS International (formerly the American Society for Industrial Security & Risk Mgt)

Professional Certifications
Certified Anti – Money Laundering Specialist (CAMS)

Education
Royal Canadian Police College, Ottawa, Canada– forensic financial investigative and due diligence techniques

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With experience from multiple perspectives – from Compliance Officer to Internal Auditor to Regulator – Janet L. Golonka knows regulatory compliance. As the Director for the Pennsylvania/New Jersey region, she brings tremendous value to...
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With experience from multiple perspectives – from Compliance Officer to Internal Auditor to Regulator – Janet L. Golonka knows regulatory compliance. As the Director for the Pennsylvania/New Jersey region, she brings tremendous value to ICS Risk Advisors clients, with more than 25 years of regulatory experience.

Previous Experience
In her former role as Bank Examiner, Janet performed examinations of federally regulated savings institutions. She was also responsible for developing and implementing internal audit and compliance programs and for overhauling the asset valuation analysis and review procedures.

Professional Affiliations
• Financial Managers Society
• Certified Public Accountant
• Certified Regulatory Compliance Manager

Education
• Master of Business Administration, University of Pittsburgh’s Katz Graduate School of Business
• Bachelor of Arts, Washington and Jefferson College
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Alice M. Judd serves as Regional Director and has responsibility for the entire Mid-Atlantic Region. Her more than 20 years of experience in bank management, regulatory compliance, and operational risk are vital to client...
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Alice M. Judd serves as Regional Director and has responsibility for the entire Mid-Atlantic Region. Her more than 20 years of experience in bank management, regulatory compliance, and operational risk are vital to client service.

Previous Experience
Prior to joining ICS Risk Advisors, Alice served as Senior Vice President and Compliance Officer for a multi-bank holding company, where she was responsible for all aspects of compliance for two affiliate banking institutions. Other experience she brings with her includes her role as Senior Vice President, Operational Risk and Compliance Manager for a national bank.

Professional Affiliations
• Member of the Maryland Bankers Association Regulatory Affairs Committee for more than 14 years

Education
• Bachelor of Science in Languages & Linguistics, Georgetown University
• Master of Business Administration with honors in Finance;,University of Maryland

Languages
• English, Spanish, and Portuguese
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Eric Kooistra joined ICS Risk Advisors in 2002 and brings more than 20 years of regulatory compliance experience to his role as Director. He specializes in evaluating internal compliance programs and providing financial institutions with...
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Eric Kooistra joined ICS Risk Advisors in 2002 and brings more than 20 years of regulatory compliance experience to his role as Director. He specializes in evaluating internal compliance programs and providing financial institutions with regulatory guidance in relation to their specific needs and objectives.

Previous Experience
Eric previously worked for 12 years with the FDIC. He initially served as a bank examiner for six years, working throughout the Western United States, followed by six years as a Compliance Review Examiner at the FDIC’s Washington, D.C., headquarters office.

At FDIC headquarters, he was responsible for developing nationwide policies, procedures, and programs used by FDIC field examiners and assisting banks with complex regulatory concerns. Duties also included processing final action on enforcement actions, civil money penalties, and supervisory appeals.

Eric routinely provided training to examination staff on compliance-related matters and was a speaker/instructor at numerous FDIC-sponsored conferences, briefings, and webinars.

Education
• Bachelor of Science in Finance, Minnesota State University - Mankato
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As Director in our Western Region, Hoi Luk is responsible for project oversight. His regulatory compliance, risk management, and internal audit experience spans more than 20 years, with specialties in the Bank Secrecy Act (BSA), Anti-Money...
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As Director in our Western Region, Hoi Luk is responsible for project oversight. His regulatory compliance, risk management, and internal audit experience spans more than 20 years, with specialties in the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), residential lending, and asset quality reviews.

Previous Experience
Hoi was a Director at a leading national business consulting, accounting, and tax firm, where he was responsible for risk management consulting services. He has been a Compliance Analyst and an Assistant Compliance Officer for Southern California banks. He also has experience in residential mortgage services.

Professional Affiliations
• Founder and a current board member of the Association of Certified Anti-Money Laundering Specialists (ACAMS) Southern California Chapter
• Certified Regulatory Compliance Manager
• Certified Anti-Money Laundering Specialist

Education
• Attended University of California, San Diego
• ABA Compliance School
• ABA Graduate School of Compliance Management
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More than half of Roger Rumbaugh’s 40 years of banking experience was focused in legal and regulatory compliance, making him a valuable asset to clients of ICS Risk Advisors. Roger currently serves as Director of The West Virginia School...
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More than half of Roger Rumbaugh’s 40 years of banking experience was focused in legal and regulatory compliance, making him a valuable asset to clients of ICS Risk Advisors. Roger currently serves as Director of The West Virginia School of Compliance and as Principal in the Compliance Forum Program of The Virginia Association of Community Banks.

Previous Experience
Roger’s former company, The Compliance Network, Inc., was a consulting, training, and auditing provider to banks in the Mid-Atlantic region. He founded the company more than 17 years ago, which was proudly acquired by ICS Risk Advisors in 2009. The Compliance Network was successful in implementing such services as: forms development, design, and review; compliance audits and training; and private consultations and seminars.

Previous positions include Director of Compliance and Vice President & Compliance Officer for several WV banking institutions, as well as Principal of the Charleston National Bank (CNB) Consulting Service, which was established in 1980 to provide advice regarding legal and regulatory compliance and other banking-related matters. Roger also previously served as Director and Faculty Member of the CNB School of Compliance, which he co-founded in 1987 to provide compliance education to bankers and bank counsel.

Roger has written numerous articles for distinguished publications, such as ABA Bank Compliance, and has supplied expert testimony in numerous civil and criminal court actions. In addition, he has appeared on programs of the American Bankers Association's National Conference for Compliance Managers, Bank Counsel and Auditors; Skylink Television Network; ABA's Compliance Symposium; the Mid-Atlantic Compliance Conference, sponsored by the MD, DE, WV, and VA Bankers Associations; and various other state association-sponsored programs.

Education
• Attended West Virginia State College
• Attended Morris Harvey College
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Alla A. Vaynrub is a Director in the New York region at ICS Risk Advisors. Her experience in regulatory compliance and risk management spans more than 15 years. Her specific expertise lies in operational, liquidity, and compliance risk...
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Alla A. Vaynrub is a Director in the New York region at ICS Risk Advisors. Her experience in regulatory compliance and risk management spans more than 15 years. Her specific expertise lies in operational, liquidity, and compliance risk management, with an emphasis on Regulations W and O and Anti-Money Laundering compliance disciplines. Alla also has an extensive regulatory background in conducting examinations of large and complex financial institutions.

Previous Experience
Formerly in the role of Chief Compliance Officer for a large banking and investment institution, Alla provided compliance risk oversight and led the bank’s team of compliance professionals. Alla has also held positions as Team Leader and Senior Bank Examiner with the Federal Reserve Bank of New York, where she led examinations and cross-institutional reviews of large complex financial institutions and systemically important payment and security settlement systems. Before joining the Federal Reserve Bank, Alla was with the New York State Banking Department, where she participated in and led full and targeted reviews of a wide range of regulated institutions.

Professional Affiliations and Accreditations
• Chartered Financial Analyst
• New York Society of Security Analysts
• Commissioned Bank Examiner, Board of Governors

Education
• Bachelor of Science, Polytechnic University

Languages
• Fluent in English and Russian
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James (Jim) H. Wistman has more than 24 years of hands-on experience in implementing and enhancing compliance programs at all forms of financial institutions. As a New York Director for ICS Risk Advisors, James focuses his expertise on...
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James (Jim) H. Wistman has more than 24 years of hands-on experience in implementing and enhancing compliance programs at all forms of financial institutions. As a New York Director for ICS Risk Advisors, James focuses his expertise on regulatory and government relations, CCO dashboards, AML/USA PATRIOT Act, and financial holding company compliance. James is also a frequent speaker on current “best-practices” in compliance risk management.

With both global and domestic experience, Jim has had project management responsibilities that have covered the integration of compliance and governance programs for banks, thrifts, credit unions, broker/dealers, affiliated nonbanks, and fiduciaries; buy-side and sell-side product offerings; retail and institutional clients; and U.S. and non-U.S. parent companies.

Previous Experience
Prior to joining ICS Risk Advisors, Jim developed a truly balanced approach to managing regulatory requirements through his 10 years of experience at the Federal Reserve Bank of New York and 10 years of compliance risk management experience as a top-tier Compliance Officer.

Jim has unparalleled experience in coping with enforcement orders and at the Federal Reserve he served as a Supervising Examiner in the Bank Supervision Division and was often a leader on full-scope examinations at high-profile institutions. He also served as a Staff Director at the Discount Window during a nationwide liquidity crisis. Thereafter, Jim directed the implementation or upgrade of the U.S. compliance programs for four of the largest globally active banks, often serving as the U.S. Chief Compliance Officer.

Professional Affiliations
• Commissioned Bank Examiner; Federal Reserve Board of Governors

Education
• Certificates in International Relations and Management of Financial Institutions
• Bachelor of Arts in Economics, University of Rochester
• Master of Business Administration, Columbia University’s Graduate School of Business
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