<p>Bethany Manning joined the FDIC in 2001 and serves as an Assistant Regional Director in the Division of Risk Management Supervision (RMS) in the New York Region. &nbsp;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 also 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, a Senior Examiner and a Supervisory Examiner in the Boston South Field Office, and an Examiner in the Boston North Field Office. &nbsp;She has completed a number of special assignments including Acting Special Assistant to the Division Director, Acting Case Manager, and Chairman of the Boston Chairman’s Diversity Advisory Committee. &nbsp;Bethany completed the Association of Certified Anti-Money Laundering Specialists (ACAMS) certification program in 2007, and as an examiner served as a Bank Secrecy Act Subject Matter Expert. &nbsp;She is an Executive Sponsor for the Partnership of Women in the Workplace (POWW) East Chapter. &nbsp;Ms. Manning graduated from Northeastern University, Boston, MA, with a Bachelor of Science in Business Administration with a Finance and Marketing concentration, and she is a 2008 graduate of Graduate School of Banking at the University of Pennsylvania.</p>

<p>John Penkala is currently serving as the Acting Field Supervisor for the New England 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.</p>

<p class="paragraph" style="margin:0in;vertical-align:baseline;">Mr. Graziano began his career with the FDIC in 1989 as a Financial Institution Specialist (Risk Management) in Foxboro, Massachusetts, and now serves as a 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.</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.</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 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 is a Supervisory Examiner, overseeing compliance and CRA examination staff in the FDIC’s New England Territory. &nbsp;He previously served as a Review Examiner and Senior Compliance Examiner after joining the FDIC in 2008. &nbsp;Sam has developed and conducted regulatory presentations at numerous outreach venues, including banker and community group sessions. &nbsp;He has led and reviewed a wide range of complex compliance and CRA examinations, serving as a key resource to examiners and bankers in the FDIC’s New York Region. &nbsp;Sam graduated from Boston College with a Bachelor of Arts in Economics and a Minor in Hispanic Studies.</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 shared national credit reviews. &nbsp;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. &nbsp;Stephen has also served as a voting member of the International Exposure Review Committee and an instructor at the FDIC Training Center. &nbsp;Prior to joining the FDIC, he worked in the mortgage backed securities industry. &nbsp;Stephen holds a finance degree from The University of Texas at Austin and an MBA from Georgetown University.</p>