Profile: Mr. Williams has experience as a Bank President and CEO for over 10 years with over 23 years experience in the Banking and Savings and Loan industry. For over 12 years, he has served as an expert witness and consultant in over 300 lawsuits throughout the United States, and has testified in over 150 depositions. He has been qualified as an Expert in State Courts, Federal and Bankruptcy Courts, and Arbitrations.

Expertise and Expert Witness Experience:

Banking / Savings and Loan Industry and Professional Standards

Director and Officer Liability & Responsibility

Operations and Deposit Services

Regulatory Issues, Policies and Procedures for Financial Institutions

Lender Liability: Commercial, Construction, Consumer and Mortgage Loans

Credit Analysis

Damages Calculation

Forgery and Fraud Issues

Clients: Plaintiffs; Defendants; Third Parties; Governmental Agencies.

References are available upon request. Please visit our website for more information.

Michael F. Richards is a Banking Expert Witness and Consultant with more than 34 years of experience. His experience as a Founder, President, and Director of two De-Novo banks and the head of a work-out department for a regional bank give clients and attorneys a crucial behind-the-scene understanding of all aspects of banking.

Mr. Richards' experience in heading a work-out department provides a wealth of knowledge in litigation testimony from the perspective of a bank officer. He has extensive experience in Lending, Lender Liability, Banking Operations, Regulatory Oversight, Policies, Procedures, and Standards of Care in the Banking Practice. Mr. Richards' represents both Plaintiffs and Defendants.

Areas of Expertise:

De Novo Start-ups / Fundraising

Banking Practices, Policies, and Procedures

Standards of Care

Bank Officers’ / Directors’ Conduct, Actions, Negligence

Banking Operations

Credit Analysis

Loan Review

Loan Documentation

Bank Regulations / Law

Commercial and Real Estate Lending Practices

Consumer Lending Practices

Forensic Commercial Loans

Lender Liability

Loan Participation and Documentation

Troubled Debt Restructuring Practices, Workouts, Forbearance

Collection Practices

Loan Commitment Issues

Loan Guarantee Issues

Bank Credit Administration and Credit Policy Issues, Customs and Practices

Real Estate Appraisal

Bank Fraud

Bankruptcy, Fairness of Interest Rates "Cramdown"

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Calvin Reis-Roy has a broad commercial practice, with a particular interest in corporate finance, banking, private equity, securitisation, film finance, business contracts, and commercial arrangements.

Calvin has worked with a variety of clients in Canada, the U.S., the U.K., and across the E.U., including financial institutions, investment funds, hedge funds, credit rating agencies, and companies of all sizes.

Prior to founding One Equity Chambers, Calvin was a senior associate at Freshfields Bruckhaus Deringer LLP (Paris and New York), and before that he worked at Stikeman Elliott LLP (Toronto), and Essex Court Chambers (London).

Calvin holds a LLB degree from Staffordshire University, a LLM degree in international finance law, and a PhD in securitisation law from the University of Wolverhampton.

Offices:

3900 No. Fairfax Dr., Suite 825 Arlington, VA 22203 (224) 587-6200

607 No. Drury Lane Arlington Heights, IL 60004

Robert Erwin Ross is an Expert Witness in the fields of Investment Securities and Bank Fraud / Letters of Credit.

Investment Securities: Vice President of Compliance and Operations for a NYSE Firm where he directed the activities of 44 support personnel and trained 148 stock brokers in preparation for NASD, NYSE and State Securities exams. His duties included daily oversight on trading activities, Reg "T", NASD complaints and filings, NYSE Client Services, portfolio reviews and broker oversight for compliance and trading activities. Mr. Ross prevented churning and any fraudulent trades by clients and supervised the Cashiering Dividend Dept., Support Staff and Trading Department.

Securities Expert Witness Qualifications:

Provided Opinions in 13 Arbitration and Mediations

Consulted Attorneys for Case Direction within Investment Securities and Regulatory Bodies

Interface with U.S. Treasure Dept (Securities Fraud ) and F.B.I. on Illicit Brokerage Trading, Mob Activities and Illegal Trading Manipulations

Banking / Letters of Credit : Mr. Ross has over 18 years of experience in International Trade and is one of very few who understand the complexities of Letters of Credit. He is familiar with all negotiable portions, including the usage of correspondent banks, presentation documents, instructions on when to confirm the letter of credit to beneficiary’s bank and client instructions to negotiate the letter of credit, eliminating excessive banking.

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