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BANKING INDUSTRY ANALYSTS LITIGATION CONSULTANTS

1716 S. Edmonds Lane
Lewisville, Texas 75067
Phone: 972-956-9778
E-Mail: gjwatts@aol.com

   

       Expertise

Qualifications

  • 32 Years Banking Industry Experience
  • Bank Examiner/Internal Auditor Federal Reserve System (11th District) Dallas, Texas
  • CEO/Regional Credit Administrator for Major Bank Holding Company
  • Certified Commercial Lender (CCL) American Bankers Association
  • Certified Fraud Examiner (CFE) Association of Certified Fraud Examiners
  • Certified Instructor American Institute of Banking (AIB)
  • Certified Commercial Mediator
  • Current Continuing Professional Education Credits

Area of Expertise

Internal/External Fraud Questions

Investigation and evaluation of fact issues in re: unauthorized signatures, endorsements on checks, drafts, notes; new account frauds; kiting; explanation of "availability and check clearing rules as applicable under FRB Regulations CC and J; ATM fraud under FRB Regulation E; Wire Transfer fraud under UCC Article 4A.

Lender Liability Questions

Explanation of acceptable and non-acceptable lending practices, in re: disputes involving alleged conflicts of interest, self dealing; acceptance of gifts, gratuities and kick-backs by bank personnel; required disclosures to borrowers and guarantors; under applicable Federal Reserve Regulations AA, B, C, U, Z; taking and foreclosing collateral under Uniform Commercial Code Article 9. Letter of Credit questions under UCC Article 5 and International Chamber of Commerce Rules.

Management Questions

Evaluation of fact issues in re: Director/Officer/Employee duties of care in general; explanation of specific policies and procedures in re: loan origination, underwriting, funding, servicing, workout of problem loans; explanation of policies and procedures in re: collateral preservation and liquidation; explanation of bankruptcy matters in re: policies, practices, procedures related to garnishment, set-off and acceptance of payments; interpretation and explanation of new account, teller line, and check processing operations polices, practices and procedures; aiding and abetting issues; Subprime mortgage lending issues.

Regulatory Questions

Explanation of regulatory acronyms as used in Federal Reserve Regulations and publications, Office of the Comptroller of the Currency Bank Operating and Examiners Manuals, definition and explanation of contents of publications as applicable to alleged or disputed violations in conduct of the business of banking.

Higher Education

  • Drexel Institute of Technology, Philadelphia, Pennsylvania (Business Major)
  • Southern Methodist University, Dallas, Texas (Bachelor of Business Administration)
  • Southwestern Methodist University, Southwestern Graduate School of Banking, Dallas, Texas
  • Federal Reserve Board School, Washington, D.C. (Bank Examiners School)
  • Dallas College, Evening School Division of SMU, Dallas, Texas (Real Estate Appraisal)

Continuing Professional Education

2008

  • American Conference Institute 2nd National Subprime Lending, Litigation & Regulatory Enforcement Conference, Addison, Texas
  • Bank Administration Institute / TransPay Conference, Grapevine, Texas

2007

  • Bank Administration Institute / Compliance Management Seminar Series Deposit & Operations Compliance, Lending Compliance; Risk Based Compliance, Nashville, Tennessee

2006

  • Bank Administration Institute / TransPay Conference, Las Vegas, Nevada

2005

  • Bank Administration Institute / Electronic Check Clearing House Organization 10th Annual Check Imaging Conferences, Orlando, Florida

1999

  • State Bar of Texas/Real Estate Center Texas A&M University 13th Annual Seminar on Ad Valorem Taxation- San Antonio, Texas

1997

  • Faulkner & Gray Debit Card Forum V - Orlando, Florida
  • Bank Administration Institute Check Processing Conference - New Orleans, Louisiana
  • Bank Administration Institute Combating Check Fraud Conference - Orlando, Florida

1996

  • Bank Administration Institute Electronic Bank Security and Fraud Prevention Conference - Orlando, Florida
  • American Bankers Association Applied Technology Conference - San Antonio, Texas
  • Association of Certified Fraud Examiners Annual Conference- Seattle, Washington

1994

  • S.E.A.K. Seminar Expert Witness Conference - Hyanis Port, Massachusetts
  • Association of Certified Fraud Examiners National Conference
    (San Antonio Chapter President/Delegate)- Washington, D.C.
  • Association of Certified Fraud Examiners Regional Seminar- San Antonio, Texas

1993

  • Association of Certified Fraud Examiners Regional Seminar - San Antonio, Texas

1992

  • S.E.A.K. Seminar Expert Witness Conference - San Francisco, California
  • Settlement Consultants International Alternative Dispute Resolution Certification Seminar - San Antonio, Texas

1991

  • National Forensic Center Expert Witness Conference - Orlando, Florida

1990

  • Independent Questioned Document Examiners National Conference - San Francisco, California
  • National Forensic Center Expert Witness Conference - Palm Springs, California

1989

  • Robert Morris Associates Regional Conference - New Orleans, Louisiana

Teaching Experience

2003-2005

  • Lectured, Law and Banking Class San Antonio Community College, San Antonio, Texas

2002

  • Lectured Money and Banking Class San Antonio Community College, San Antonio, Texas
    "The Federal Reserve System"

2000

  • Lectured Consumer Finance Class San Antonio Community College, San Antonio, Texas
    "Consumer Finance"

1995

  • Lectured Bank Fraud Investigation Case Study - Association of Certified Fraud Examiners Regional Conference, San Antonio, Texas

1994

  • Lectured Internal Bank Fraud Investigation Case Study - Association of Certified Fraud Examiners Regional Conference, San Antonio, Texas
  • Lectured Loan Fraud Investigation Case Study - Institute of Internal Auditors Regional Conference, San Antonio, Texas

1993

  • Lectured Check Fraud Investigation Case Study - Association of Certified Fraud Examiners Regional Conference, San Antonio, Texas

1992

  • Lectured Check Fraud Case Studies Seminar - Independent Questioned Document, Seminar National Conference, Portland, Oregon

1991

  • Lectured Check Fraud Case Studies Seminar - Independent Questioned Document Examiners, Seminar National Conference, Troy, Michigan

1984-1987

  • Supervised and conducted Loan Officer Staff Training- Regional Bank Corporation, Central Texas Region

Appointments

  • Member Adjunct Facility, Business Department - School of Banking / Financial Services / Mortgage Banking San Antonio College, San Antonio, Texas
  • Bexar County Appraisal Review Board - Chairman, Commercial Property Hearing Panel
  • Dallas District Advisory Council - U.S. Small Business Administration

Expert Testimony

  • Retained by Plaintiff and Defense Counsel
  • Clients Nationwide
 
 
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