Terry Stalk, a Senior Associate Consultant with RLR Management Consulting Inc., has over 30 years of experience in financial institutions and consulting. She has lead financial institution consulting engagements throughout southern California in Board and financial reporting, operations and risk management specialties.

Terry’s experience in the financial industry includes management of interest rate risk for a $3 billion southern California savings bank, serving as the director of operations for a $500 million multi-branch bank and serving as a Chief Financial Officer in both publicly-held and closely-held companies.

Her experience includes:

• Interim CFO for $400 million bank, completing a 3-year budget and presenting such to the Board with an in-depth analysis of year over year variances and projected interest rate risk.

• Revising Board financial reports based on discussions with regulators, reducing the quantity of the reports while enhancing the quality. Serving as an advisor for improved documentation of Board meetings.

• Creating standard procedures for customized loans. A bank had marketed their ability to customize each loan, leaving the Note department to deal with one-off processes and inconsistencies in their reconciliation process.

• Responsibility for asset-liability management and interest rate risk analyses, and Board training regarding these subjects, for multiple financial institutions.

• Director of operations for a $500 million southern California bank. Direct responsibility included branch operations, item processing, sales training, and branch training and support.

• Centralized branch support for improved staffing coverage, training issues, and career pathing.

• Led the orderly return of bank charter including the sale of all deposits, the concerns of both customers and regulators, and the archiving of operational records.

Terry has earned a strong working relationship with the OCC, FDIC and the California DBO. She is known for her integrity and ability to work through issues as they arise. She is analytical and pragmatic and seeks solutions that balance strong internal controls with innovative product development.