Our Advisors

Mr. Norton is the founder and Managing Member of Chain Bridge Partners. He has a diverse and extensive background in financial services. Mr. Norton advises financial services firms on regulatory matters. His prior experience includes service as a Member of the FDIC Board of Directors, working at the U.S. Treasury during the financial crisis, and providing investment banking advisory services to financial institutions. ​

Regulatory and Government Experience​

• Served as a board member at the Federal Deposit Insurance Corporation (FDIC). In that capacity, he worked daily with other board members and senior executives overseeing the agency responsible for the safety and soundness of the nation’s banking system and resolving failed institutions. Mr. Norton analyzed, promulgated, and approved bank regulations mandated by the Dodd-Frank Act and rules from the Basel Committee. Additionally, he approved the agency’s annual budget, large contracts, and major personnel actions.​
• Led, as Chair, the FDIC’s Case Review Committee, which is responsible for enforcement actions against individuals and banks for violations of safety and soundness, consumer protections, and anti-money laundering rules.​
• Served in the U.S. Treasury Department as the Deputy Assistant Secretary for Financial Institutions Policy under Secretary Henry M. Paulson and played a key role in the financial crisis response, including work on the conservatorships of Fannie Mae and Freddie Mac, the government-financed recapitalization of the U.S. banking sector, and assistance packages for the automotive industry.​

Advisory Engagement Highlights​

• Advised a regional bank board committee on a key regulatory remediation effort in areas of governance, risk management, and capital planning.​
• Assisted a large bank holding company in the development of its resolution plan submission​
• Advised a FinTech company on its regulatory strategy and business plan.​
• Assisted a financial services firm with an extensive internal investigation of regulatory compliance.​

Prior Employment​

• FDIC​
• J.P. Morgan Securities LLC​
• U.S. Treasury​

Areas of Expertise​

• Corporate governance​
• Regulatory strategy & policy​
• Regulatory remediation​
• Internal investigations​

Education & Certifications​

• Duke University A.B. Economics​
• Georgetown University Law Center J.D.​

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Ms. Dugan retired from the Office of the Comptroller of the Currency (OCC) after 38 years of service.  As Deputy Comptroller within the OCC’s Large Bank Supervision and Policy divisions, she served as an operational executive and key advisor to the Comptroller.  Ms. Dugan had oversight of supervision programs for large, globally active national banks and foreign branches in the US and development of Operational Risk policy. She also served as a Large Bank Supervision Examiner-in-Charge with responsibility for direct supervision of a large, foreign owned US bank.

Regulatory Experience​

• As Large Bank Supervision Deputy Comptroller had direct responsibility for a portfolio of banks and foreign branches. Oversaw all related supervisory activities, including the supervisory aspect of licensing and corporate applications.

• As Deputy Comptroller of Operational Risk Policy had direct oversight of the development of regulatory policy, implementation OCC examiner guidance, coordination with federal and state financial service regulators and US Treasury, and briefing Congressional Staff and Committee Members.  In this position, also had direct oversight of supervision of bank service providers in coordination with the FDIC and FRB.

• Both as Deputy Comptroller and Examiner-in-Charge approved numerous action plans and oversaw remediation efforts related to safety/soundness, compliance, and BSA/AML consent orders. 

• Technology and Operational Risk expert with supervisory responsibility for technology and information management, cybersecurity,  system conversion monitoring, resiliency and recovery planning, payment systems, and third-party risk  management.

• Represented the OCC in international capacities, including as a member of the Basel Committee’s Supervisory Cooperation Group and Operational Risk Group.

• Extensive experience interacting with domestic and international regulators and industry groups.

Prior Employment ​

• Office of the Comptroller of the Currency – 38 years

Areas of Expertise ​

• Technology and Operational Risk
• Foreign branch and service provider supervision
• Enterprise and Third-party Risk Management
• Corporate Governance
• Safety and Soundness
• Regulatory Remediation

Education & Certifications​

• M.B.A. and B.A, West Virginia University
• Commissioned National Bank Examiner
• Certified Information Systems Auditor (CISA)

Ms. Eberley joined Chain Bridge in 2025 after 38 years of experience at the Federal Deposit Insurance Corporation (FDIC).  As Director of the FDIC’s Division of Risk Management Supervision from February 2013 through March 2025, she directed all aspects of bank supervision policy and practice and served as a key advisor to the Chairman.  Prior to her appointment, she served in several other senior executive leadership roles in the Division, including Senior Deputy Director, New York Regional Director, Acting Atlanta Regional Director, and Acting Deputy Director of Operations.  She also served as Acting Deputy to the FDIC Chairman.​

Regulatory Experience​

• Developed strategic vision for and led all aspects of FDIC bank supervision policy and practice, including examinations, applications, enforcement actions and related operations.

• Approved the Division’s position on all cases to be presented to the FDIC Board of Directors or a Board Committee, including novel applications, policies and regulations, appeals of material findings from financial institutions, and recommendations to pursue certain enforcement actions.

• Represented the FDIC on the Federal Financial Institutions Examination Council Task Force on Supervision, which promoted uniformity in supervision practices across the member entities.  Served three terms as Task Force Chair.

• Presented on supervision matters before industry groups; testified on behalf of the FDIC before both chambers of Congress.

• Served as Regional Director for the FDIC’s New York Region from 2007 through 2012 and was called upon to serve in other key roles during the Great Recession and related Financial Crisis.  As Acting Deputy Director for Operations, developed and administered plans for operationalizing the Debt Guarantee Program component of the Temporary Liquidity Guarantee Program.  As Acting Regional Director for the Atlanta Region, led the development of supervisory strategies and corrective programs designed to prevent failures of rapidly deteriorating institutions; evaluated remediation efforts; and assessed and acted on novel acquisition proposals for troubled institutions.  As Acting Deputy to the FDIC Chairman, provided advice on post-crisis supervision program strategies and other matters under consideration by the FDIC Board.​

Prior Employment ​

• FDIC – 38 years​

Areas of Expertise ​

• Applications (de novo/ change in control/merger)
• Enforcement actions
• Regulatory remediation
• Liquidity & asset liability risk management
• Capital stress testing
• Corporate governance
• Credit risk management
• Third-party risk management
• ​Bank Secrecy Act

Education & Certifications​

• Cornell University – B.A. Economics
• Emory University – M.B.A.
• ​Commissioned Bank Examiner

Mr. Hoyer has 31 years of experience in the financial services industry, including 25 years with a federal banking agency directing and supporting supervision and resolution activities, with the remainder of his tenure as a managing director at Chain Bridge Partners providing strategic regulatory advice.​

Regulatory Experience​

• Served as the FDIC’s Deputy Director overseeing both supervisory and resolution planning authorities for large, systemically important financial institutions and non-bank financial companies.​
• Oversaw business lines responsible for monitoring risk through firm-specific and industry data analytics, conducting supervisory examinations, and formulating policies and procedures.​
• Led FDIC efforts and supported interagency programs and horizontal assessments, including resolution plan, capital stress test, liquidity, governance, MIS, and shared national credit reviews.​
• Conducted numerous risk examinations, recommended corrective action, assessed remediation progress, developed and applied supervisory policy, and evaluated acquisitions, default proximity, and potential loss to the fund.​

Recent Advisory Engagement Highlights​

• Advised multiple clients through the de novo and change in control application process to include development of the business plan, application, policies, and advisory support for regulatory interaction, and post-submission. field investigation and procedures development​
• Served as an expert witness including providing expert reports, supporting witness preparation and opposing expert questioning, providing an affidavit, and supporting hearing and trial demonstratives.​
• Participated in management level committee meetings, providing input, benchmarking, and views on regulatory expectations regarding governance, financial, and operational matters.​
• Advised on liquidity program remediation efforts to include agency materials and interactions, action plans, and benchmarking.​
• Developed, evaluated, and advised on remediation of third-party vendor risk management and Regulation W programs.​
• Advised multiple GSIBs and Regional firms on recovery and resolution planning, to include financial capabilities for capital and liquidity, and conducted numerous mock examinations to test governance, capabilities, and alignment with regulatory expectations .​

Prior Employment​

• FDIC – 25 years​

Areas of Expertise​

• Regulatory remediation​
• Applications (de novo)​
• Liquidity & asset-liability risk management​
• Recovery & resolution planning​
• Corporate governance​
• Credit risk management​
• Bank secrecy act​

Education & Certifications​

• Missouri Southern State University B.S. Accounting​
• University of Wisconsin Graduate School of Banking​

Mr. House rejoined Chain Bridge Partners in 2025 after a combined 14 years of experience in financial institution supervision and regulatory policy at the Federal Reserve​

Supervisory and Regulatory Experience​

• Diverse roles across the Federal Reserve’s supervisory programs for U.S. GSIBs and large and foreign banking organizations, including liquidity, capital, and recovery & resolution planning

• Led the publicly disclosed post-mortem for liquidity risk at a failed large regional bank in spring 2023

• Policy advisor on multiple regulatory priorities after the regional banking stress in 2023, including a lead role for the long-term debt proposal

• Served as the Program and Risk Management Lead for U.S. GSIBs in the CLAR Program

• Led the implementation of resolution planning liquidity guidance (RLAP and RLEN) for U.S. GSIBs

• Directed a team covering financial risk supervision for a U.S. GSIB

• Instructor for Federal Reserve staff and international supervisors in liquidity risk management​

Advisory Engagement Highlights ​

• Advised a range of GSIBs on multiple components of liquidity risk management, including an independent evaluation of liquidity stress testing methodologies, liquidity data management, LCR interpretations, FR 2052a reporting, issue remediation, and responses to agency feedback

• Led the redesign and drafting of internal liquidity stress testing at a regional bank

• Led projects to design and develop separability analysis for resolution planning at U.S. GSIBs

• Supported three mock examinations at GSIBs testing resolution planning capabilities for shared and outsourced services and legal entity rationalization criteria

• Advised a regional bank in interpreting the Federal Reserve’s Enhanced Prudential Standards and supervisory expectations given stated growth strategie

Prior Employment ​

• Federal Reserve – 14 years
• CBP – 3 years​

Areas of Expertise ​

• Regulatory policy
• Liquidity risk management
• Capital planning
• Recovery & resolution planning
• Capital markets
• Funds transfer pricing
• Corporate governance

Education & Certifications​

• B.S. Finance & Management, University of Kentucky

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Mr. Jennings joined the firm in 2018 after forty years of supervision and regulation experience with the Federal Reserve. As Senior Associate Director in the Federal Reserve Board’s Division of Supervision and Regulation he was the senior officer with direct oversight of supervision programs for several banking portfolios, including Large and Foreign Banking Organizations (non-GSIBs w/assets>$50B), Regional Banking Organizations (assets $10-$50B), Community Banking Organizations (assets<$10B), Foreign Banking Organizations (assets<$50B), and Savings and Loan Holding Companies.

Regulatory Experience​

• Managed the Supervisory Oversight function which was responsible for analyzing banking conditions, evaluating and improving supervisory approaches and enforcement strategies, and contributing directly to regulatory policy development.​
• Key advisor to the Board and the Supervision Committee on significant policy initiatives that affected the conduct of supervision in each of his portfolios, including implementation of the enhanced prudential standards under regulation YY for large and foreign banks and corporate governance matters.
• Member of the S&R Senior Leadership Team, which provided oversight to all aspects of Federal Reserve supervisory operations. Executive responsibilities included serving as a key member of the S&R Policy Development and the Cybersecurity Executive Oversight groups.​
• Served the Federal Reserve in several international capacities, including as a member of the Basel Committee’s Supervisory Implementation Group and as a member of the Board of Directors of the Association of Banking Supervisors of the Americas.​
• Since retiring in April 2017, served as a Short-Term Expert to the International Monetary Fund on banking supervision.​

Prior Employment ​

• Federal Reserve System – 40 years​

Areas of Expertise ​

• Corporate governance ​
• Foreign bank supervision ​
• Bank holding company supervision​
• Regulatory remediation ​

Education & Certifications​

• B.A., University of Virginia​
• Graduate Banking School of the South, Louisiana State University ​

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Mr. Lebioda joined the firm in 2024 after nearly a decade of industry experience at Wells Fargo where he held a variety of roles in the Legal Department and Enterprise Finance. He led the global recovery and resolution planning office for six years where he had regular interaction with the company’s board of directors and operating committee as well as its prudential regulators in the United States and Europe. He also led other transformative enterprise change management programs and served as a capital markets counsel and managing counsel of resolution planning within the legal department. During the financial crisis of 2008, Mr. Lebioda was a corporate restructuring attorney advising, among others, Chrysler LLC in its chapter 11 bankruptcy sale and Lehman Brothers’ on the wind-down of its derivatives portfolio. ​

Financial Institution Leadership Experience​

• Executive responsibility for development of and ongoing enhancements to all financial and operational-related recovery and resolution capabilities, including responsibility for remediation of associated regulatory feedback. ​
• Led all aspects of the assessment, analysis, execution and implementation of Wells Fargo’s pivotal MPOE-to-SPOE resolution strategy shift inclusive of execution of secured support agreement. ​
• Accountable finance executive for adherence to 30+ operational risk and compliance programs.​
• Extensive experience providing life cycle executive sponsorship from inception through integration for finance-intensive cross-enterprise programs, including negative interest rate preparedness and financed emissions measurement and target setting.​
• Led the legal team responsible for Basel III regulatory capital and FASB netting and collateral optimization for bilateral and cleared derivatives, securities financing, and exchange-traded futures transactions. ​
• Trusted advisor to boards of directors and management operating committees in connection with regulatory remediation and transformative change management.​

Prior Employment ​

• Wells Fargo​
• Winston & Strawn LLP​
• K&L Gates​
• Jones Day​

Areas of Expertise ​

• Recovery and Resolution Planning​
• Enterprise change management​
• Climate risk and emissions measurement​
• Operational, model and compliance risk​
• Regulatory capital netting and collateral relief​
• Corporate restructuring & reorganization​

Education & Certifications​

• McGill University Desautels Faculty of Management B. Commerce​
• Washington & Lee University School of Law J.D.​

Mr. McGraw joined Chain Bridge in 2023 after over 30 years of experience at the Federal Deposit Insurance Corporation (FDIC). As Acting Director and Senior Deputy Director, he served as a senior executive responsible for managing the FDIC’s supervision and monitoring of banks with assets greater than $100 billion for which the FDIC is not the primary federal regulator. He was also responsible for resolution planning and executing the FDIC's resolution mandates for these institutions, as well as for other financial companies if called upon to protect U.S. financial stability.​

Regulatory Experience​

• Served as the Acting Director and Senior Deputy Director of the FDIC’s Division of Complex Institution Supervision and Resolution (CISR), overseeing both supervisory and resolution planning authorities for large, systemically important financial institutions, large regional financial institutions, and non-bank financial companies.​
• Oversaw business lines responsible for backup supervision, assessing the adequacy of resolution plans submitted under the requirements of Title I of the Dodd-Frank Act (DFA) and Part 360.10 of the FDI Act, monitoring risk through firm specific and industry data analytics, conducting supervisory examinations, and FDIC preparations to carry out its responsibilities from Title II of the DFA.​
• Oversaw FDIC’s resolution policy development.​
• Led FDIC efforts and supported interagency programs and horizontal assessments, including resolution plans, capital stress test, liquidity, governance, and MIS. ​
• Conducted numerous risk examinations, recommended corrective action, assessed remediation progress, developed and applied supervisory policy, and evaluated acquisitions, default proximity, and potential loss to the fund.​
• Served as the FDIC’s Deputy on the Financial Stability Oversight Council’s Deputies’ Committee, playing a critical role in the development of the proposed update to FSOC’s interpretative guidance on nonbank financial company determinations. ​

Prior Employment​

• FDIC – 30 years​

Areas of Expertise​

• Regulatory remediation​
• Recovery & resolution planning​
• Liquidity & asset liability risk management​
• Capital stress testing​
• Corporate governance​
• Credit risk management​
• Applications (de novo)​
• Bank Secrecy Act​

Education & Certifications​

• Indiana University –Indianapolis – B.S. Finance​
• Commissioned Bank Examiner​
• Certified Fraud Examiner​

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Before joining Chain Bridge Partners in 2017, Mr. Moylan served in numerous roles with the FDIC before retiring after 36 years of service to the Agency. He has extensive experience in a wide range of regulatory matters and subsequent advisory experience assisting financial institutions.​

Regulatory Experience​

• Served in numerous executive leadership roles with the FDIC. He has extensive experience in bank supervision, application processing, enforcement actions, civil and criminal proceedings, and addressing troubled banks.​
• Served as Deputy Director of Operational Risk in the Washington Office Headquarters. He was responsible for the FDIC’s Information technology Examination and Policy Programs as well as various cybersecurity and cyberinfrastructure initiatives.​
• Served as Deputy Regional Director in the Kansas City Region. Mr. Moylan was responsible for the overall Risk Management Supervision program covering nearly 1,700 banks in these seven State Region.​
• Served as Associate Director of the Failing Bank Group in the Washington Office. The Failing Bank Group was a special purpose unit he was asked to create and run in 2009 to administer and coordinate failing bank activities across the country including preparation and presentation of Failing Bank Cases to the FDIC Board of Directors.​

Representative Engagements ​

• Provided advice, strategic planning, development, and critical review of De novo Bank Applications including various Fintech firms​
• Led a regulatory remediation effort focused on improving risk management practices including credit, liquidity, internal audit, strategic planning, and board governance ​

Prior Employment ​

• FDIC – 36 years​

Areas of Expertise ​

• Strategic Advisor​
• Regulatory relations​
• Regulatory remediation​
• Applications Processing​
• Credit Risk Management​
• Liquidity Management​

Education & Certifications​

• B.S., Rockhurst University​
• University of Colorado Graduate School of Banking​

Mr. Morgan joined the firm in 2020 after 34-plus years of supervisory and regulatory experience with the Office of the Comptroller of the Currency (OCC). As Chief Operating Officer, Chief National Bank Examiner, and a Senior Deputy Comptroller, he served as a senior executive and principal advisor to the Comptroller. Mr. Morgan had oversight and leadership responsibilities for all OCC supervision related business units. ​

Regulatory Experience​

• Provided strategic direction and leadership for all OCC supervision related business units, was a principal advisor to the Comptroller on domestic and international policy and other OCC related matters, served on the OCC’s Executive Committee, chaired the OCC’s Technology Committee, and served on various other executive sub-committees, including the Major Matters Supervisory Risk Committee and the Committee on Bank Supervision.​
• Served as the OCC’s Deputy on the Financial Stability Oversight Council Deputies’ Committee.​
• Served in key regulatory roles while significant parts of the banking industry faced difficult challenges related to mutual fund market timing and late trading, municipal derivatives activities, foreign exchange activities, and the credit, liquidity, capital, earnings, and mortgage foreclosure issues associated with the 2007-2009 great recession.​
• Previously held the position of Large Bank Deputy Comptroller and Large Bank Examiner-in-Charge (twice). Extensive experience in and understanding of a wide-range of banking activities of the largest, most complex banks, federal branches, and agencies.​
• Previously served in a variety of roles within the OCC’s policy and community bank supervision units. Extensive experience in bank supervisory and enforcement matters spanning most aspects of banking, including credit risk, interest rate risk, liquidity risk, market risk, operational risk, compliance risk, and balance sheet management.​
• Extensive experience interacting with domestic and international regulators and industry groups as well as experience in congressional testimony and briefings.​

Prior Employment ​

• Office of the Comptroller of the Currency – 34+ years.​

Areas of Expertise ​

• Corporate governance, including Board oversight.​
• Enterprise & third-party risk management.​
• Regulatory remediation, including MRAs and enforcement actions.​
• Credit risk management.​
• Balance sheet management.​
• Operational risk assessment.​
• Corporate applications.​

Education & Certifications​

• B.B.A., Stephen F. Austin State University​
• National Bank Examiner Commission​
• Chartered Financial Analyst designation​

Mr. Price joined the firm in 2020 after 33 years of supervisory and regulatory experience with the Office of the Comptroller of the Currency (OCC). As a Deputy Comptroller within the OCC’s Large Bank Supervision group, he served as an operational executive and key advisor to the Comptroller. Mr. Price had direct oversight of supervision programs for many of the largest and most globally active banks in the U.S., as well as the overall responsibility for the OCC’s International Banking activities. ​

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Regulatory Experience​

• Provided strategic direction and leadership for the OCC’s Large Bank Supervision Program, was a key advisor to the Comptroller on matters of domestic and international policy and served on the OCC’s Committee on Strategic Direction​
• Managed all OCC international operations, including international policy, supervision of foreign banking organizations in the U.S., and OCC foreign operations including the London Office​
• As Deputy Comptroller had direct responsibility for a portfolio of banks holding more than $5 trillion in assets. Oversaw all related supervisory activities, including the supervisory aspect of licensing and corporate applications. Previously had direct field supervision experience as OCC Examiner-in-Charge, led Shared National Credit reviews of some of the largest commercial credit facilities in the U.S., and supervised companies of all sizes and in all economic conditions over a lengthy OCC career ​
• Both as Deputy Comptroller and Examiner-in-Charge approved numerous action plans and oversaw remediation efforts related to safety/soundness, compliance, and BSA/AML consent orders ​
• Served as OCC Director for Commercial Credit Policy, which included authoring regulatory policy, approving OCC examiner guidance, and briefing Congressional Staff and Committee Members​
• Represented the OCC in international capacities, including as a member of the Financial Stability Board’s Senior Supervisors’ Group, the Basel Committee’s Supervisory Implementation Group, and as the North American Board member for the Association of Banking Supervisors of the Americas​

Prior Employment ​

• Office of the Comptroller of the Currency – 33 years​

Areas of Expertise ​

• Commercial credit risk management​
• Enterprise risk management​
• Corporate governance ​
• Foreign bank supervision ​
• Regulatory remediation​
• Consent order remediation including BSA/AML​
• Corporate applications ​

Education & Certifications​

• B.B.A., Wichita State University​
• Commissioned National Bank Examiner​
• Certified Federal Thrift Regulator​

Ms. Smith joined Chain Bridge in 2026 after over 30 years as a financial regulator with the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation.  She has held several senior positions within the OCC including Deputy Comptroller for Large Bank Supervision and Examiner-in-Charge of two of the nation’s most significant institutions, including one with extensive global operations. She was also responsible for the OCC’s overseas operations as the Examiner-in-Charge of the London Office.​

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Regulatory Experience​

• As Deputy Comptroller, Ms. Smith was responsible for the supervisory oversight of multiple large and complex institutions.  She provided the strategic direction to the teams, assessed ongoing risks, and coordinated with senior OCC and bank leadership on critical emerging issues.​
• As Examiner-in-Charge for two of the largest banks in the nation, Ms. Smith led teams of over 70+ staff, established the supervisory strategy based on key risks, and ensured that organizational and resource needs were aligned to execute the strategy successfully.
  
• In her roles as both Deputy Comptroller and Examiner-in-Charge, managed through several major market and bank-specific crises, including the Great Recession of 2007-2009 and the banking turmoil of March 2023. She coordinated responses with senior leadership and other agencies to address the rapid changes.​
• Assessed remediation plans for significant and complex financial institutions covering a range of issues. Remediation efforts involved enforcement actions and Matters Requiring Attention, involving topics such as data management, cyber security, consumer compliance, governance, and third-party risk management.​
• Ms. Smith, as head of the London Office, was responsible for the supervision of US banks in Europe and coordinating with UK and European supervisors on supervisory approach and risks across the portfolio. This period covered the Brexit vote preparations and stress testing initiatives, as well as post-vote market analysis, and the post-Brexit transitions, involving licensing and organizational changes.
  
• Managed and led the OCC’s legal investigation and actions against former senior bankers involved in a significant fraud. Responsibilities included all aspects of the investigation, testimony to relevant Congressional stakeholders, and deposition and trial involvement.
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Prior Employment ​

• OCC – 23 years; FDIC – 7 years; and International Monetary Fund – 3 years​

Areas of Expertise ​

• Corporate governance and board oversight
• Regulatory remediation, including enforcement actions and MRAs
• Corporate applications
• Enterprise risk management, including operational risk
• Credit risk management
• ​Bank Secrecy Act

Education & Certifications​

• University of Connecticut – B.S. Finance, B.A. French
• Chartered Financial Analyst designation
• Commissioned National Bank Examiner​

Mr. Sullivan recently retired from the Office of the Comptroller of the Currency (OCC) after 23 years of service.  As a Large Bank Supervision Examiner-in-Charge (EIC), he served as  the senior executive responsible for direct supervision of two of the largest and most globally active U.S. banks from 2015-2020 and from 2020-2025.  Mr. Sullivan also served as EIC of a large U.S. credit card and consumer lending bank from 2011-2015.

Regulatory Experience​

• In his last position, Mr. Sullivan directed OCC managers and staff comprising the 70+ person onsite examiner team at a $4.0 trillion globally systemic institution.  He was responsible for oversight of remediation and validation of safety/soundness, consumer & corporate compliance, BSA/AML issues, and enforcement actions, working directly with the bank board and their key chief executives. Mr. Sullivan also served on and coordinated the Large Bank Risk Support Committee and  represented Large Bank Supervision within the OCC’s agency-wide Risk Committee.

• As EIC of one of the largest U.S. banks between 2015-2020, Mr. Sullivan oversaw approximately 70 OCC managers and staff comprising the onsite examiner team.  He was responsible for oversight of remediation and validation of safety/soundness, consumer & corporate compliance, BSA/AML issues, multiple enforcement actions, and worked very closely with the board chair and CEO on a variety of unique and sensitive supervisory matters.

• Throughout his career, Mr. Sullivan collaborated closely and partnered with representatives from various global regulatory bodies including the New York Federal Reserve Bank, the Federal Reserve Board, the FDIC, the Bank of England, the Bundesbank, the European Central Bank, Monetary Authority of Singapore, the Hong Kong Monetary Authority, the Central Bank of Ireland, and others. His experience includes numerous international examinations.

• He has extensive regulatory and private sector credit card experience and expertise, including direct supervision of the largest global credit card portfolios.​

Prior Employment ​

• Office of the Comptroller of the Currency – 23 years
• Wachovia Bankcard Services – 6 years
• Prudential Bank – 5 years

Areas of Expertise ​

• Regulatory Remediation (e.g., enforcement actions, MRAs)
• Operational Risk
• Corporate Governance and Board Oversight
• Credit Card portfolio strategy
• Credit Risk Management
• Enterprise & Third-party Risk Management

Education & Certifications​

• B.A., Colorado College
• MBA, College of William and Mary
• Commissioned National Bank Examiner and Federal Thrift Regulator

Mr. Vogel joined Chain Bridge in 2025 after 35 years at the Federal Deposit Insurance Corporation (FDIC).  As Deputy Director and Chief of Staff of the Division of Risk Management Supervision (RMS), he advised the Division Director on supervision and operational matters.  As the New York and Atlanta Regional Director for a combined 10 years, he was responsible for the risk management and consumer protection supervisory programs for over one thousand institutions, including the largest FDIC-supervised banks in the United States.  He previously served as Deputy to an FDIC Board member where he provided advice on matters under consideration by the FDIC Board.

Regulatory Experience​

• Served as an executive leader of the FDIC’s 2,600+ person Division of Risk Management Supervision.  Advised FDIC’s senior leadership on bank supervision and operational matters. 

• Oversaw division-wide strategic planning, examiner training and development, communications, personnel administration, internal controls, budgeting, and technology.  Led RMS’ operational response to the pandemic to ensure that the FDIC met its statutory examination requirements. 

• Led the risk management and consumer protection supervision programs for two FDIC regions.  Provided direction on all supervisory matters including examinations and applications.  Advised on proposed informal and formal enforcement actions and evaluated remediation efforts.     

• Advised new bank applicants on the process for obtaining deposit insurance.  Evaluated new bank applications and approved those that met the requirements for a new depository institution.

• Served as a voting member of the FDIC’s Supervision Appeals Review Committee, which considered appeals of material supervisory findings.

• Served as the FDIC’s representative on the Federal Financial Institutions Examination Council’s Taskforce on Examiner Education.​

Prior Employment ​

• FDIC – 35 years​

Areas of Expertise ​

• Regulatory remediation
• Corporate governance
• Enterprise risk management
• Liquidity & asset liability risk management
• Credit risk management
• Applications, including new bank applications

Education & Certifications​

• Keene State College – B.S. Management
• Commissioned Bank Examiner
• Stonier Graduate School of Banking