2022 FDIC Accounting and Auditing Conference

Michael “Mike” D. Parrell has been with the FDIC since 1995 following the sunset of the Resolution Trust Corporation (RTC). He currently serves as Program Manager in the FDIC’s Corporate University supporting the training and development needs of the Chief Financial Officer Organization, Division of Resolutions & Receiverships, and Division of Insurance & Research. Prior to working for the FDIC and the RTC, Mike worked for the Office of Thrift Supervision (OTS) as Sr. Quality Control Manager in their information technology division ensuring quality control of data captured in various systems. He also worked for the Department of Treasury’s Bureau of the Public Debt as Sr. Systems Accountant and Contracting Officer’s Technical Representative (COTR) supporting the implementation of the Financial Accounting & Reporting System (FARS). Mr. Parrell has a Bachelor of Science degree in Accounting from Wilkes College and Master of Business Administration in Finance from the State University of New York at Binghamton.

Bret D. Edwards assumed the role of Deputy to the Chairman and CFO on June 1, 2019. Bret has more than 30 years of U.S. Government service with the former Federal Savings & Loan Insurance Corporation and the FDIC.  He was Director of the Division of Finance from 2007 to 2011 and from 2011 to 2019, served as the Director of Division of Resolutions and Receiverships.  Bret holds a Bachelor of Arts in economics from the University of Minnesota and a Master of Business Administration with distinction from Cornell University.  Bret is a chartered financial analyst (CFA), certified public accountant (CPA), certified treasury professional (CTP), and a graduate of the American Bankers Association Stonier Graduate School of Banking.

Satyam Khanna is a recognized expert in financial regulation, sustainability, and corporate governance. He joined Stanford after serving as the Securities & Exchange Commission's (SEC) Senior Policy Advisor for Climate & ESG, the agency’s first-ever official dedicated to integrating environmental, social, and governance (ESG) considerations into the federal securities laws. During his tenure, he played a lead role in developing several pathbreaking ESG-related policies and was detailed to the EPA to advance its efforts to evaluate climate financial risks. 

Prior to his most recent government service, he was a Resident Fellow at NYU Law's Institute for Corporate Governance & Finance. Satyam served on the Biden-Harris Presidential Transition on the financial regulators’ review team, and he was a member of the SEC’s Investor Advisory Committee, an external group of experts that advises the SEC on its regulatory priorities. 

Before NYU Law, Satyam served as Counsel to former SEC Commissioner Robert J. Jackson, Jr., advising on an array of novel issues in securities regulation and corporate governance. He began his public service at the U.S. Treasury Department on the Financial Stability Oversight Council, where he counseled senior officials on emerging risks to U.S. financial stability. Satyam started his legal career as an associate at the law firm McDermott Will & Emery. 

Satyam has been published in the New York Times and is frequently quoted by media outlets, including Bloomberg, Financial Times, The Atlantic, Wall Street Journal, and Reuters. He received his B.A. in biology and political science from Washington University in St. Louis and his J.D. from Columbia Law School.

Ms. Beattie is Chief Accountant for the FDIC Division of Risk Management Supervision in Washington, DC. In this position, she supervises and coordinates projects involving accounting, auditing, tax, securities disclosure and regulatory reporting matters relevant to depository institutions. Shannon assists in identifying emerging issues and developing policy guidance for FDIC supervised and insured institutions. Previously, she served as Deputy Chief Accountant/Section Chief in the FDIC’s Washington DC headquarters office, Regional Accountant in the FDIC’s Boston area office, and a commissioned examiner in the FDIC’s Hartford, Connecticut field office. 

Instructional experience includes presentations at FDIC and banking conferences. These conferences addressed primarily accounting and regulatory issues. Shannon served as a financial writer and authored an accounting article for the FDIC’s Supervisory Insights Journal. Shannon is a Certified Public Accountant licensed in the states of Connecticut and Massachusetts. She was awarded a certificate of completion for the Senior Executive Fellows Program, John F. Kennedy School of Government at Harvard University, Executive Education. She is a member of the American Institute of Certified Public Accountants. 

Shannon graduated with honors from the America’s Community Bankers National School of Banking. She also received a Master of Business Administration degree from University of Massachusetts-Amherst and a Bachelor of Science degree in Accounting from Ithaca College, Ithaca, New York.

Adaiz Santiago-Pabon joined the FDIC as a Financial Institution Specialist (FIS) in July 2006, and worked for select periods at the 3 main divisions within the FDIC (DSC -now DCP & RMS-, DRR and DIR). Ms. Santiago obtained the Risk Management Commission Examiner designation in 2010, and served as a Financial Institution Specialist - Risk Management Examiner (FIE) for the New York Region until September 2018. As a FIS and FIE, she examined institutions ranging from $100,000 (small) to $30 billion or more (large institutions) in total assets, and provided training to tenure employees. 

While working as an Examiner, she also participated in several distinctive/historical bank closings (including IndyMac in 2008 and Doral Bank in 2015); assisting the Division of Resolutions and Receivership (DRR) during critical times, serving as a Claim Agent or Pro-Forma Team member, and handling high-stakes discussions professionally. She was recognized for her exemplary service. 

In September 2018, she transferred to the FDIC DIR, Data & Analysis Section at Arlington, VA. As a Senior Financial Analyst, she ensures that the financial banking information is reported in accordance with current GAAP and regulatory requirements by providing support to bankers, regulators or Examiners, and third party providers. She is also responsible for handling structure or organizational changes of financial depository institutions. 

Prior to joining the FDIC, she worked as an SBA Application Assistant at the oldest bank in Puerto Rico, Banco Popular (over 100 years old). She graduated with Magna Cum Laude honors and a Bachelor’s Degree in Operation Management & Finance from the University of Puerto Rico, Río Piedras Campus. Adaiz is fluent in Spanish and English.

Irina S. Leonova is a Corporate Expert at the Federal Deposit Insurance Corporation (FDIC). At the FDIC she is responsible for a number of domestic and international priorities in the areas of FinTech and digital assets, derivatives, capital regulation, and interest rate benchmarks. She has represented the FDIC in the digital asset work at the Basel Committee on Banking Supervision, Financial Stability Board, President’s Working Group on Stablecoins, banking’s agencies crypto-asset policy sprints, and FSOC crypto-asset working groups, among other fora. Prior to joining the FDIC, Ms. Leonova was a member of the Secretariat at the Financial Stability Board (FSB), based in Basel, Switzerland. At the FSB, she specialized in regulatory and financial policy design and implementation relating to, among other areas, legal entity identifier (LEI), financial data infrastructures and aggregation, financial benchmarks, derivatives markets and the provision of long-term investment finance. Prior to assuming her position with the FSB, Ms. Leonova held a number of positions in the U.S. federal government, including at the U.S. Department of Treasury; U.S. Commodity Futures Trading Commission; and the U.S. Department of Commerce. 

Her publications include a chapter in the Handbook of Financial Data and Risk Information, Cambridge University Press, an article in the Banque de France Financial Stability Review, as well as other financial infrastructure focused papers. Ms. Leonova holds an MBA in finance from American University, MS in economics from Florida State University, BS from University of Maryland as well as an ABA Stonier Graduate School of Banking Diploma and Wharton University of Pennsylvania Leadership Certificate.

Yolanda Thomas is a Senior Financial Analyst in FDIC’s Division of Insurance and Research(DIR), serving in the Data Collection and Statistics(DCAS) Branch. She evaluates call report submissions of a 350+ bank portfolio and reviews structure data for material inaccuracies or inconsistencies, taking appropriate resolution action as applicable. Her work,with that of her other DCAS Analyst colleagues, provide essential input for the Quarterly Banking Profile (QBP) presentations. Additionally, she actively participates in other parts of FDIC, including being a Fundamentals of Accounting Instructor for new FISs in Corporate University (CU), planning committee member for the Annual FDIC Accounting and Auditing Conference, Chairperson of the Partnership for Women in the Workplace (POWW) for the DC Chapter and member of the POWW National Advisory Board, as well as a FDIC Corporate Recruiter. She is also a third year Recruiter with the Workforce Recruitment Program (WRP), actively supporting the Department of Labor initiative to connect federal employers to postsecondary students and recent graduates with disabilities. Through the informational interviews with student applicants in the WRP, feedback and additional guidance are provided to strengthen the applications for potential internship opportunities or permanent employment within federal service. Yolanda is a disabled Veteran, having served proudly for 8 years. 

She holds a Doctoral Executive Certificate in Business Administration with Liberty University (LU), a Wharton Leadership Program Certificate with The Wharton School at the University of Pennsylvania, a Servant Leadership Certificate with Columbia Southern University, and a Business Administration Curriculum Mapping Program Certificate with the University of the People. Other academic credentials include a MBA in Project Management from Columbia Southern University; a BBA with an Accounting major and Biology minor from the University of Memphis; and both a MA and BA in Christian Education from Triangle Bible Institute. Yolanda is a June 2021 graduate of the American Banking Association (ABA) Stonier Graduate School of Banking at the Wharton School of Business with the University of Pennsylvania. She is also currently pursuing dual Doctoral degrees in Finance with Liberty University and Strategic Leadership in Ministry at Virginia Bible College.

Zrinka Dusevic is currently a Complex Financial Institution Specialist in the Division of Complex Institution Supervision and Resolution (CISR), specifically in the Systemic Risk Branch. She has the primary responsibility for developing holistic views of key and emerging risks throughout the CISR portfolio and the financial industry. Prior to working in CISR, she was in the Division of Risk Management Supervision where she served as a Senior Examiner for Large Financial Institutions. Zrinka has over 11 years of experience with the FDIC in supervising large and complex, as well as problem financial institutions. Since 2017, she has served as the dedicated Asset Manager of a $17B institution in Los Angeles, CA, where she has been responsible for developing and executing on supervisory strategies by scoping and leading numerous targeted examinations covering a wide range of risk topics including credit risk, capital planning and stress testing, counterparty credit risk, and foreign exposures. During the course of her career, Zrinka has served on many detail assignments including a three-month detail as Acting EIC of a $31B bank in the Chicago Region, where she scoped and led a model risk governance examination, developed and enhanced ongoing monitoring reports, and contributed to the supervisory planning process. Prior to becoming a dedicated large bank examiner, she was selected to participate in the FDIC’s Large Bank Training Program, where over the course of two years she participated on numerous examinations across several large institutions, covering risk areas including DFAST, credit risk management, leveraged lending, and BSA/AML. Zrinka has also served as Acting Special Assistant to the Regional Director and Deputy Regional Director of the San Francisco Region, where she led and completed several projects that benefited regional examination staff and senior management. Zrinka also serves as Chair for the FDIC Employee Resource Group- Partnership of Women in the Workplace. Zrinka holds a B.S. in Business Administration with emphasis in Finance from University of California, Riverside.

Pamela Freeman is a Chief in the Fair Lending & CRA Section of the Compliance & CRA Examinations Branch in FDIC’s Division of Depositor and Consumer Protection in Washington, DC. Ms. Freeman has been with the FDIC for approximately 32 years, with her career starting in 1990 as a bank examiner in Louisiana and Arkansas. She was a Risk Management Bank Examiner and Senior Compliance Examiner in the Shreveport, Louisiana field office and a Compliance Examiner in the Raleigh, North Carolina office. Prior to becoming Chief, she was a Senior Examination Specialist in the Washington Office. She has also served as an Acting Assistant Regional Director in the Chicago Region and an Acting Chief of Internal Control and Review in DC. 

Ms. Freeman oversees examination and enforcement issues involving various consumer protections laws, specializing in CRA, Home Mortgage Disclosure Act (HMDA), and Fair Lending. Ms. Freeman has been deeply involved in the interagency CRA modernization effort. In addition, she has served as an instructor for various examiner training courses within the FDIC as well as speaking at many regulatory and industry conferences. Ms. Freeman is commissioned as an examiner in both risk management and compliance and is a Certified Regulatory Compliance Manager (CRCM). She is a graduate of the University of Arkansas and the ABA Stonier Graduate School of Banking at the University of Pennsylvania where she also received a Wharton Leadership Certificate. She has also served on the faculty of the Stonier Graduate School of Banking. 

Stacy joined the FDIC in 2008 in the Jamesburg, New Jersey Territory in the New York Region, where she received her compliance commission in 2010. She also served as a Senior Compliance Examiner in the Jamesburg, New Jersey Territory. Stacy was promoted to a Review Examiner in the Washington Office in 2012; Supervisory Examiner in the Philadelphia Territory in the New York Region in August of 2015; and in July 2016, DCP Field Supervisor for the Greater Illinois Territory overseeing the compliance examination program in the DCP Princeton, Springfield, and Mount Vernon Field Offices. Stacy served as Acting Assistant Regional Director in the Chicago Region, and most currently Chief, Consumer Compliance & UDAP of the Examination Branch. 

Stacy previously served on detail as Acting Special Assistant to the Deputy Director, Policy and Research. She has also been involved in many corporate projects and initiatives, including representing the Chicago Region on the National Field Supervisor Council, Chairperson of the Workplace Excellence Council, Project Manager for the Bank of Anytown, and Co-Lead of the Communication Effectiveness Pillar of the DCP Strategic Plan. Additionally, she served as an instructor for FDIC’s Introduction to Consumer Protection School and as a mentor in FDIC’s mentoring program. Stacy is a graduate of the Executive Potential Program and maintains a Certified Regulatory Compliance Manager designation. She graduated with a B.A. in Government from Skidmore College, Saratoga Springs, NY and will graduate from the ABA Stonier Graduate School of Banking at the University of Pennsylvania in June 2021.

John Penkala is currently serving as Supervisory Examiner in the Fair Lending & CRA Section in the Washington Office. He began his FDIC career with RMS in 1991, in the Concord, NH Field Office, and holds a dual commission in Risk Management and Consumer Compliance. When his current assignment is complete, John will return to his normal role as a DCP Supervisory Examiner in the New England Territory, a position he has held since 2016. John has served in many roles over his career, including Review Examiner, Acting Special Assistant to the Senior Deputy Director, Acting Assistant Regional Director, and Corporate University Instructor. John holds a Bachelor of Arts in Economics, with a dual major in Business Administration, from the University of New Hampshire.

John Quartironi joined the FDIC in June 2020 as a Financial Institution Specialist in the Division of Risk Management Supervision. He currently serves as a Senior Examiner Large Financial Institutions on a dedicated examination team at a large and complex institution, a role he assumed over six years ago. John has extensive experience executing the supervisory program at large financial institutions. In his current role, he is responsible for continuous monitoring and supervision of several risk stripes, including: market, liquidity, operational/model, strategic/capital, reputational, and compliance. John is a Capital Markets Subject Matter Expert and has served as an instructor in the FDIC’s Asset Liability Management School. 

Mr. Quartironi holds a Bachelor of Science in Corporate Finance and Economics from St. John Fisher College in Rochester, NY. John and his wife, Ali, live in Cary, NC, and have two children.

Tiajuana "Tia" Smith is a commissioned risk management examiner with over 15 years of experience, and is currently serving as a Supervisory Examiner (Temporary) in the Houston Field Office where she supervises and provides training and development to commissioned Risk Management Examiners, Financial Institution Specialists, and Financial Management Scholars. Tia’s permanent position of record is a Case Manager in the Dallas Regional Office, a position she has held since October of 2016. In this role, she has provided effective oversight of community banks and LIDIs and handled complex supervisory matters, including various applications and enforcement actions. Tia has served as the Examiner-in-Charge of numerous problem institutions of various size and complexities, and participated on several large bank target examinations. She has completed details as Acting Assistant Regional Director and Case Manager in the Chicago Regional Office where she delivered oral presentations in front of Senior Management and Executives from Washington on problem institutions. 

Tia also serves as an Instructor for the Introduction to Examination School and Risk Management Orientation; and is a designated Fraud, BSA, MDI, and International Banking Subject Matter Expert. She earned a Bachelor of Arts degree in Business Management and a Master of Business Administration (Finance) from Concordia University, Mequon, Wisconsin.