Thomas O'Rourke Thomas O’Rourke Independent Consultant 441.541.5036 vCard

Tom is a risk management professional with significant experience and demonstrated competence in finance operations and regulatory compliance. His experience includes leadership of bank examination teams focused on risk management.  In this capacity, Tom also led bank supervision teams to address emerging risk from financial technology and cyber threats using Operations and Technology risk assessments. Tom brings experience with Basel II and III, credit review, bank financial reporting. Tom’s Governance and Risk experience includes Enterprise Risk Management, Prudential and macroprudential Supervision, and Board Structures.

Expertise

  • (Basel II and III): Enhanced Capital Requirements – Policy, Calculation Methodology, Phase-ins and Pillar II; Liquidity Coverage Ratio – Technical Determinations on Deposit Run-Off; Net Stable Funding Ratio (2018) – Policy, Calculation Methodology and Pillar II
  • Retail and SME Credit Classification and Loss Modeling via EAD, PD and LGD
  • Large Commercial C&I and Real Estate Loan Experience
  • IFRS 9, FASB 5, Troubled Debt Restructurings, Loan Loss Allowances and Loan Classification
  • Bank Call Reports (all schedules), Internal Financial Projections and Performance Reports, Quarterly Reports to SEC; External Audits
  • Enterprise Risk Management – Three Levels of Defense
  • Basel Principles for Prudential Banking Supervision
  • Financial Stability – Macroprudential Supervision
  • Board Structures, Composition, Reports to Board and Board Self-Assessments
  • Operational Risk, GRC software and Open Pages Tracking Tools
  • AML/KYC Policy, Risk Assessments, Screening Tools and Remediation

Career Highlights

  • Advisory Board Member and Compliance Adviser, Vivier Financial Services (Auckland, New Zealand)
  • Assistant Director, Banking Supervision, Bermuda Monetary Authority (Bermuda)
  • Examiner in Charge/Team lead, Large Bank Division, U.S. Department of the Treasury, Washington, D.C.
  • Emergency Manager, 108th Civil Engineering Squadron, (ANG), New Jersey Air National Guard (McGuire AFB, N.J.)

Education, Accolades and Affiliations

  • Quinnipiac University, Master of Science, Organizational Leadership (Hamden, CT) (2018 projected)
  • Regent University School of Divinity, Master of Arts, Practical Theology (Virginia Beach, VA) (2013)
  • Keller Graduate School of Management, Master of Accounting and Finance (Oakbrook Terrace, IL) (2008)
  • Community College of the Air Force, Associates Degree in Emergency Management (2007)
  • Bethany College, Bachelor of Arts (Lindsborg, KS) (1982)