Michael winters, owner
Michael Winters is a seasoned compliance and risk management professional with over 18 years of experience in the banking and financial services sectors. He brings a wealth of expertise from his roles as a banker and independent consultant, specializing in regulatory compliance, risk assessment, and internal audit. Michael holds a bachelor of business administration degree, graduating cum laude from Abilene Christian University, and possesses key certifications including Certified Internal Auditor (CIA), Certified Information Systems Auditor (CISA), Certified Regulatory Compliance Manager (CRCM), and Certified Anti-Money Laundering Specialist (CAMS).
Michael's professional journey includes significant experience with various CPA firms, where he developed deep knowledge in managing engagement metrics, leading teams, and navigating the technical intricacies of banking regulations. His expertise spans a broad range of regulatory areas, including BSA/AML, lending and deposit regulations, ACH rules, FFIEC IT examination guidance, and fair lending practices. This diverse background has equipped him with the ability to provide comprehensive compliance solutions and strategic advisory services.
In addition to his technical expertise, Michael possesses a deep understanding of the regulatory landscape facing the community banking world. He is acutely aware of the specific challenges these institutions encounter, such as stringent compliance requirements and the need for meticulous documentation. Michael’s experience has honed his ability to produce high-quality work that meets or exceeds the expectations of regulatory examiners. He understands the critical importance of thorough and accurate documentation, as well as the nuances of presenting compliance efforts in a manner that satisfies both regulatory standards and internal quality controls.
Michael's strong analytical skills, coupled with his ability to communicate effectively with stakeholders at all levels, make him an invaluable asset for any consulting engagement. He is dedicated to helping organizations navigate the complexities of regulatory compliance and risk management, ensuring they operate within legal frameworks while achieving their business goals.