Education:

MCS Associates is a nationally recognized consulting group that has provided financial, operations and regulatory/compliance consulting services nationwide to financial institutions, insurance companies and regulatory agencies as well as real estate and financial services organizations for over 30 years.

Expert Witness and Litigation Consulting are a primary focus of our services. We undertake expert witness assignments throughout the United States and our clients include several hundred leading law firms around the country, working on behalf of both plaintiff and defendant financial institutions, borrowers, depositors, investors, developers, insurance companies and their insured, securities/insurance/real estate brokers/agents, regulators and government agencies, and individuals.

Together with MCS Associates’ specialized resources in banking, financial services and real estate, we also draw on key strategic alliances in insurance, economics, academia and the securities industry to meet a wide range of expert witness needs. Our litigation experts include experienced bankers, lenders, consultants, regulators, managers, brokers & agents in insurance, real estate, and securities; insurance claims and underwriting managers; economists, accountants, appraisers, real estate analysts, and academics.

Areas of Expertise Include:

Thomas A. Tarter, Managing Director of The Andela Consulting Group, Inc., specializes in providing Management, Financial and Advisory Services Involving Corporate Governance, Management, Compensation, Financial and Banking Matters.

He has served on boards, assisted in corporate restructures and provided advisory services to a diverse group of clients including corporations, law firms, financial institutions and government agencies including the U.S. Small Business Administration. He has been involved in over 700 cases - national and international.

Areas of Expertise:

Profile: 41+ yrs experience in financial, mortgage & business institutions including 17+ President, CEO & Director & 6+ director of a mortgage company. 15+ years of leadership/ directorships in national & state trade associations. Over 340 federal & state nationwide cases i for FDIC, State of CA, financial institutions, mortgage companies, businesses, non-banks, individuals. Services provided: consulting, depositions, reports, affidavits & court testimonies.

Expertise: Financial Institutions, Mortgage Institutions, Business, Real Estate. Loans (mortgage,construction, real estate, business, SBA, international, consumer, etc.); Operations; Fraud; Check ops; EFT; Lender Liability; Policy & Procedures; Fiduciary Duties, D & O conduct, Other. Reports, depositions & court testimony in Federal, Bankruptcy & state courts.

Gene has over 35 years of Banking Experience as a Line Manager and a Consultant. As a manager he has had responsibility for all aspects of deposit operations; many aspects of Loan Administration; and the Operations associated with Various Cash Management Products. As a consultant he has been involved in the minutia associated with the above and many other aspects of banking.

Gene has served as an expert in state and federal cases addressing the needs of clients from North America, South America and the Bahamas. The clients were both plaintiffs and defendants in civil and criminal actions. These cases involved amounts at issue ranging from $100,000 to $130 million and were associated with financial institutions with assets from $140 million to $1.3 trillion.

His cases run the gamut of traditional issues to include but not limited to the illegal movement of funds using cash management products; to mortgage loan administration; return items; violation of check processing, teller and deposit procedures, regulations and standard practices; disaster recovery and bank fraud. Gene has also been involved with many contemporary issues both as a consultant and an expert to include depositing embezzled or fraudulently obtained funds into bank accounts – money laundering; identity theft; Check 21 replacement documents; point of sale (POS); and no envelope ATMs.

Areas of Expertise:

25 + years Wall St securities or expert experience. Any Asset, Investment, Account, Intellectual or Real property, insurance, annuity contract or closely held business or partnership may require fiduciary duty.

Securities expert, Fiduciary Forensics covers breach of fiduciary duty, liability, damages analysis calculation, model prudent portfolio, recovery. Causes of action -Rule 405, Suitability, Supervision, Failure to diversify, Tax, Asset Allocation, Hedge Funds, Disclosure, ADVs. Compensation, Valuation training, recruit, retirement, raiding, termination, customer account book distribution, broker dealer or branch profit analysis, U5 or U4 issues in Securities employment matters.

FINRA securities Arbitration, Trust, Estate, Probate; ERISA defined benefit pension 401k & Profit Sharing plans; Charities, Not for Profits, Foundations, Endowments.

Additional Areas of Expertise Include:

• Securities and Financial Planning Industry Compensation
• Branch and Regional Manager Compensation Expert
• Branch Profit and Loss (P&L) Valuation and Analysis
• Investment Product Marketing, Distribution, Sales Force and Market Penetration Studies
• Services - Financial Planning, Investment Consulting, Brokerage, Prime Broker, Stock Lending, Margin Accounts
• ERISA Issues

Craig A. Wolson acts as a Structured Finance and Derivatives Expert Witness and Consultant. He specializes in cases involving credit default swaps (CDS), collateralized debt obligations (CDOs), mortgage-backed securities (MBS) and other types of derivatives and securities.

Background Experience Includes:

Profile: Bank Experts Group is a consulting firm that provides litigation support and expert witness services to law firms in banking matters, and specialized assistance to banks and other financial institutions.

Expertise: Bank Experts Group principals have served as experts in numerous and varied cases involving:

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:

Financial Management Consulting Group is an affiliation of well-experienced consultants serving banking interests throughout the country. Our years of experience, as bankers, as bank consultants, and as regulators provide valuable insight into case matters.

We can assist both from the industry perspective and from the regulatory perspective, offering a comprehensive assessment and well supported opinion. We have qualified as experts in numerous State and Federal jurisdictions, and on numerous banking related matters. We are dedicated to providing clients with quality, results-oriented service.

Gerald M. Levy serves as arbitrator and mediator of real estate and construction disputes and expert witness on standards of practice for Real Estate Lending, Construction Lending, Credit, Brokerage and Transactional Due Diligence, Real Estate Workouts, Corporate Real Estate, and Real Estate Valuation, and is a Professor at NYU. He was Managing Director, Real Estate Finance Division, Chase Manhattan Bank; and Senior Vice President and General Manager, Real Estate and Corporate Services Division, Chemical Bank.

Mr. Levy holds the MAI, CRE, and FRICS designations and is a member, National Panel of Neutrals, American Arbitration Association. He is a New York State Licensed Real Estate Broker and a New York State Certified General Real Estate Appraiser.

David G. Mackenzie is a Fiduciary Consultant who limits his consulting practice to providing expert witness testimony in Trust & Estate Litigation Cases. He has represented either trust beneficiaries or trustees who are either plaintiffs or defendants.

Mr. Mackenzie's area of specialty is in the field of Trust & Estate Administrative Practices and Procedures. He has 40 years of fiduciary experience including a 32 year career for a major Bank Trust Department. During his last five years of his banking career he was its Chief Fiduciary Officer responsible for policy and procedures. Since his retirement he has consulted for a major regional bank and consulted or testified in six major trust litigation cases.

Pat McElroy, Jr. has more than 30 years of experience in the Banking Industry as a Regulator, Banker and Consultant. He has provided various management, lending, operational and regulatory services to financial institutions throughout the United States. Mr. McElroy has extensive experience as an expert witness and has been qualified in civil, criminal and bankruptcy proceedings. He is courtroom seasoned and also has high profile case experience.

Areas of Expertise:

Offices:

Robin Bryant's 30 years in Banking have embraced a clearing (retail) bank, two large investment banks, a small merchant bank and an international bank. He has a very extensive knowledge of all aspects of Corporate Lending, including Property Sector Lending, Personal Lending, Mortgage Lending, of Lending against Mortgage Indemnity, of Trade Finance, and of Development Capital.

Mr. Bryant has run a commercial loan company, including treasury operations (raising and managing deposits). His knowledge covers both secured and unsecured lending and their respective requirements. He has several lending guidelines and systems and procedures manuals to his name.

Mr. Bryant is a Member of The Academy of Experts and a Founding Member of The Expert Witness Institute. He was a member of the Blom-Cooper working party drawing up guidelines for experts, following the Woolf reforms. He has been cross-examined thirteen times in the High Court without judicial criticism or complaint from those acting for either parties.

Mr. Bryant has provisions of expert banking evidence for over 15 years in 200 cases of litigation involving banks. In two-thirds of his cases, he has been retained by the banking side, including overseas banks operating in the UK. Cases handled have also involved transactions outside the UK.

Randy Sugarman is the managing partner of Sugarman & Company, which he founded in 1977. He has been a Certified Public Accountant since 1970. Prior to the formation of Sugarman & Company, he was associated with the national accounting firms of Main Hurdman (now KPMG Peat Marwick) and Kenneth Leventhal & Company (now Ernst & Young). He attended Stanford University for both his Masters of Business Administration degree, with an emphasis in accounting, and his Bachelor of Arts in international relations.

Mr. Sugarman serves as a Financial Consultant in Workout and Bankruptcy Situations. He has assumed management responsibilities, implemented cost controls, negotiated with creditors, and supervised the orderly liquidation of assets. Mr. Sugarman also acts as a State Court Receiver, Federal Bankruptcy Trustee, Assignee for Benefit of Creditors, and Examiner.

In addition to being a certified public accountant, Mr. Sugarman holds credentials as a certified fraud examiner and a certified insolvency and reorganization accountant.

Mr. Sugarman provides litigation support to both defense and plaintiff legal counsel. He has prepared extensive financial analyses and provides expert witness testimony on management and financial issues in jurisdictions throughout the country.

Areas of Expertise:

Valerie Van de Zilver, President of Nationwide Credit Network, is one of a relatively small handful of professionals who have mastered the minutiae of the nation’s Credit Laws. She is a Litigation Support Specialist, Expert Witness and Forensic Consultant that top law firms call to testify on their clients’ behalf. Ms. Van de Zilver is CDIA-Fair Credit Reporting Act Certified and has Credit CRM and Credit Expert Witness Certifications. She has an extensive grasp of credit-related issues as she has evaluated over 12,000 credit reports.

Ms. Van de Zilver has a deep understanding of the credit score factors used by lenders to grant or withhold credit. Known for her analytical mind, nose-to-the-grindstone work ethic and ironpants study habits, she spends her day immersed in credit-related issues, fielding calls from clients and attorneys who seek her expert advice. Holding a California real estate license for over 33 years, Ms. Van de Zilver acquired her expertise in mortgage lending, consumer credit and real estate law through years of hands-on, real-world experience.

Areas of Expertise: