Tom joined Protiviti in April of 2018 as a Director in the Risk and Compliance practice and serves as a subject matter expert in the areas of risk and regulatory compliance. In March of 2018, Tom retired from the Office of the Comptroller of the Currency (OCC) after a 35-year career. He most recently was the OCC’s Examiner-in-Charge (EIC) of the two national bank subsidiaries of Morgan Stanley with total assets of $200 billion. Tom led a team of examiners with expertise covering all risk categories and was responsible for the OCC’s communication to executive management and the board of directors. During the Greek debt crisis and the Libor and FX rate rigging misconduct, Tom served as EIC of the OCC’s London Office. Tom led a team of examiners focused on the supervision of global U.S. banks’ activities in Europe and served as the OCC’s liaison with European regulators. At the peak of the U.S. financial crisis, Tom served as EIC of National City Bank, a $150 billion financial institution, and a top originator of conventional and subprime mortgages. For ten years prior to the financial crisis, Tom served as the OCC’s Team Leader at BankBoston and its successor FleetBoston. He was responsible for the supervision of treasury, liquidity, trading, cross-border, and wealth management activities. FleetBoston had a significant presence in Latin America and Tom oversaw its cross-border and foreign currency translation risk exposures during the Brazilian currency and financial crisis of 1999 and the Argentine currency and financial crisis of 1998-2002.