<p>Bethany has over 25 years of experience at the FDIC. &nbsp;As an Assistant Regional Director in the Division of Risk Management Supervision (RMS) in the New York Region she has supervisory responsibility for financial institutions in Maine, New Hampshire, northeastern Massachusetts, Puerto Rico, and the U.S. Virgin Islands. &nbsp;Ms. Manning actively participates in regional regulatory matters and oversees the Northeast New England Territory and San Juan Field Office. &nbsp;She leads the New York Region’s Training Committee and serves on the Regional Review Committee. &nbsp;Ms. Manning held prior positions as the Boston South Field Supervisor, New York Region’s Regional Administrative Specialist, and Examiner in the Boston South and Boston North offices. &nbsp;She has completed several special assignments including Acting Special Assistant to the Division Director. &nbsp;Bethany is a Certified Anti-Money Laundering Specialists, and as an examiner served as a Bank Secrecy Act Subject Matter Expert. &nbsp;Ms. Manning graduated from Northeastern University, Boston, MA, with a Bachelor of Science in Business Administration with a Finance and Marketing concentration, and Graduate School of Banking at the University of Pennsylvania. &nbsp;</p>

<p>John Penkala currently serves as the DCP Field Supervisor for the New England North Territory. &nbsp;Prior to his current assignment, he was serving as a DCP Supervisory Examiner in the territory. &nbsp;He began his FDIC career with Risk Management in 1991 in the Concord, NH Field Office, and holds a dual commission in Risk Management and Consumer Compliance. &nbsp;John has also served as Acting Chief of the Fair Lending and CRA Section in the Washington Office, Acting Special Assistant to the Senior Deputy Director, Acting Assistant Regional Director, Review Examiner, and a Corporate University Instructor. &nbsp;John holds a Bachelor of Arts in Economics, with a dual major in Business Administration, from the University of New Hampshire.&nbsp;</p>

<p class="paragraph" style="margin:0in;vertical-align:baseline;">John began his career with the FDIC in 1989 as a Financial Institution Specialist (Risk Management) in Foxboro, Massachusetts, and now serves as an Acting Assistant Regional Director. &nbsp;John’s permanent position is the Field Supervisor in the Boston South Feld Office. &nbsp;Prior to becoming a Field Supervisor, John was a Supervisory Examiner for 25 years where he was instrumental in coaching and developing less experienced examiners. &nbsp;He also led and contributed to the examinations of large and problem institutions primarily within the territory. &nbsp;John is a fraud subject matter expert for community banks and has been an instructor at various Director College events. &nbsp;He received a bachelor’s degree in Finance from Stonehill College, North Easton, Massachusetts. &nbsp;</p>

<p>Kara currently serves as an Assistant Regional Director for the Division of Depositor and Consumer Protection. &nbsp;She is responsible for overseeing the territories conducting consumer compliance and Community Reinvestment Act examinations throughout the New England states, the District of Columbia, Maryland, New Jersey, Puerto Rico, and the Virgin Islands. &nbsp;Kara began her career with the FDIC in June 1993, as a Compliance Examiner trainee. &nbsp;In April 1997, she became a Commissioned Compliance Examiner and earned her Certified Regulatory Compliance Manager certification. &nbsp;Other positions held at the FDIC include Policy Analyst in the Washington Office, as well as Review Examiner, Supervisory Examiner, and Field Supervisor of the former Southern New England Field Territory in Foxborough, Massachusetts. &nbsp;Kara received a Bachelor of Science from Bentley University in Waltham, Massachusetts in 1993.&nbsp;</p>

<p>Kristin began her career with the FDIC as an Assistant Examiner (Risk Management) in the Boston South Field Office and now serves as an Acting Assistant Regional Director in the Boston Area Office. &nbsp;She has led and contributed to the examinations of large, complex, and problem institutions across multiple FDIC territories. &nbsp;Kristin has served as a Senior Case Manager and a Senior Examination Specialist and is a large bank subject matter expert. &nbsp;She received a bachelor’s degree in Managerial Economics from Stonehill College and is a graduate of the USDA Executive Leadership Program.</p>

<p class="paragraph" style="margin:0in;vertical-align:baseline;">Laura began her career as a bank examiner trainee with the FDIC in the Boston North Field Office, and now serves as the Field Supervisor for the Northeast New England territory. &nbsp;In her 30+ years with the agency, she has served as a Supervisory Examiner, Case Manager, and Acting Assistant Regional Director. &nbsp;She served for many years as a course instructor?and course lead for the RMS Capstone and Examination School for Non-Examiners. &nbsp;She graduated with a degree in Business Administration from the University of Massachusetts Amherst and earned a Masters in Finance from Boston College. &nbsp;She is also a graduate of the Stonier Graduate School of Banking.&nbsp;</p>

<p>Mary serves as the Regional Director for the New York Region with responsibility for the risk management and consumer compliance supervision programs. &nbsp;Prior to her current role, she served as the Acting Deputy Regional Director in the Division of Risk Management Supervision in the New York Region since February 2024. &nbsp;Previously, she served as an Assistant Regional Director in the New York Region and was responsible for the risk management supervision program for financial institutions in Connecticut, southeastern and western Massachusetts, Rhode Island and Vermont. &nbsp;She was also responsible for the AML/CFT and Fraud program areas in the New York Region. &nbsp;Mary joined the FDIC in 1986 as an examiner in the Concord, NH Field Office, and served as a Review Examiner and Field Supervisor before becoming an Assistant Regional Director in 1997. &nbsp;She earned a Bachelor of Science degree in Business Administration at the University of New Hampshire and is a graduate of American Bankers Association Stonier Graduate School of Banking.&nbsp;</p>

<p class="paragraph" style="margin:0in;vertical-align:baseline;">Mike began his career with the FDIC as an examiner in the Boston North Field Office in 1993. &nbsp;He currently serves as a Regional Capital Markets Specialist for the New York Region. &nbsp;In this capacity, he is responsible for directing, participating in, and reviewing examinations in the New York Region, which have complex capital markets, securities, or asset/liability management issues. &nbsp;In his career, he has lead examinations of financial institutions ranging from community banks to some of the largest in the nation. &nbsp;Mike has been a Lead Instructor and Course Developer of Asset Liability Management classes at the FDIC, the Federal Reserve Board, and the FFIEC. &nbsp;In addition, he has made presentations to numerous regional and national regulatory and industry audiences and trade groups on capital markets topics. &nbsp;Mike has a B.S in Finance from Ithaca College, an M.S. in Finance from Boston College, and is a graduate of the Stonier Graduate School of Banking.</p>

<p>Sam currently serves as the DCP Field Supervisor for the New England South Territory. &nbsp;He previously served as a Review Examiner and Senior Compliance Examiner after joining the FDIC in 2008. &nbsp;Sam has led large and complex examinations of multi-state institutions working with State and other Federal banking regulators. &nbsp;He has also developed and conducted regulatory presentations at numerous outreach venues, including national banker and community group sessions. &nbsp;Sam graduated from Boston College with a Bachelor of Arts in Economics and a Minor in Hispanic Studies. &nbsp;</p>

<p>Stephen came to the FDIC in 2009 as a Financial Institution Specialist (Risk Management) in the New York City field office where he led examinations of financial institutions, served as a capital markets subject matter expert for community banks, and participated in shared national credit reviews. He transitioned to the FDIC’s Division of Insurance and Research in 2016 where he focuses on identifying macro risks affecting the banking environment and quantifying risk exposure within the New York Region’s insured institutions. Stephen has also served as a voting member of the International Exposure Review Committee and an instructor at the FDIC Training Center. Prior to joining the FDIC, he worked in the mortgage-backed securities industry. Stephen holds a finance degree from The University of Texas at Austin and an MBA from Georgetown University.&nbsp;</p>

<p>Bill serves as the Field Supervisor of the Windsor, Connecticut Field Office where he oversees onsite examination activity for banks headquartered in Connecticut, Central/Western Massachusetts, and Vermont. &nbsp;He has also completed several assignments and projects in Boston, MA and Washington, DC, and is actively involved in recruiting, hiring, and mentoring. &nbsp;Prior to becoming Field Supervisor in 2011, he served as a Supervisory Examiner in two different field offices for over 11 years and was responsible for coaching and training bank examiners. &nbsp;Bill joined the FDIC in 1991 as an Assistant Examiner (Risk Management) in Hartford, Connecticut. &nbsp;He earned a Bachelor of Science degree in Finance from Canisius College, Buffalo, NY, an MBA from University of Massachusetts, Amherst, MA, and is a graduate of the American Bankers Association Stonier Graduate School of Banking.</p>