OUR TEAM

Stephen Curry

Senior Managing Director/Founder

Mr. Curry, Managing Director and Founder, has over 25 years of experience in the financial services industry, having served in executive roles in strategic planning, M&A, regulatory relations, risk and operations management, project management, and finance. For the past 8 years, Mr. Curry has led a consulting business providing advisory services to management and boards of national and regional banks, financial services companies and private investor groups. He has successfully guided banks through acquisitions and divestitures, merger integrations, transformations, operational and risk restructurings, regulatory examinations and regulatory order responses/remediation. Prior to Everett, Mr. Curry was with Bank of America, where he served as COO for Corporate & Investment Banking, Senior Strategist for Global Wealth & Investment Management, Managing Director for Divestitures & Merger Integration, Regional Finance Executive for Community and Consumer Banking, Corporate Finance Regulatory Liaison and other operational and senior management roles.

Steven Patrick

Strategic Planning, Managing Director

Mr. Patrick is a Managing Director with Everett Advisory Partners.  In this role, he has advised clients on strategies to implement risk-reducing policies to resolve consent orders and in preparation for executing M&A transactions. Prior to joining EAP, Mr. Patrick spent eight years at the Federal Home Loan Bank of Chicago in various planning, research and product development roles. He was instrumental in developing risk sharing programs for the Mortgage Partnership Finance. He was also responsible for evaluating credit risk and loss mitigation strategies for the FHLBC’s mortgage portfolio. When the FHLBC entered into a written agreement with its regulator agreeing to review its accounting treatment of mortgage assets, Mr. Patrick was instrumental in developing the methodologies and tools necessary to restate its financial statements, and developed new secured lending products and collateral arrangements.  Prior to joining the FHLBC, Mr. Patrick was a managing director in Bank of America’s corporate finance advisory group and an associate at Merrill Lynch. Over the course of his 13-year investment banking career, Mr. Patrick executed a wide variety of financing transactions, capital raises and valuation assignments. Mr. Patrick was also a business strategy consultant with Booz Allen & Hamilton for three years. He has an MBA with honors from the University of Chicago and a BA, magna cum laude, with distinction from Carleton College.

Robert Packer

Strategic Planning/Energy Sector Advisory, Managing Director

Mr. Packer has thirty years of experience in banking, independent power project development, and private equity. He has deep knowledge of the energy and natural resource sectors. Mr. Packer served senior roles in banking, mostly at Morgan Stanley, included counterparty and commodities risk management, high yield research, and mergers & acquisitions. He also served as Vice President & General Manager of Gas Energy Inc. and worked at Winthrop Financial to originate and structure real estate investment partnerships.

Joseph Siegel

Corporate Finance, Managing Director

Mr. Siegel is a senior corporate and investment banking professional with 30 years of experience building credit platforms and generating revenue through banking advisory services. Mr. Siegel has advised clients in leveraged finance, syndicated finance, private banking, credit and client management. Mr. Siegel helps clients in developing team oriented client-focused solutions across business and product lines. Mr. Siegel has a long track record of revenue generation, business formation, advisory services and portfolio management. Mr. Siegel led the Corporate & Investment Banking Syndicated Lending Corporate Lending Team at both BBVA and Compass Bank, arranging, underwriting and executing senior floating rate capital solutions. Prior to BBVA, Mr. Siegel served as a Managing Director at Bank of America, where he was responsible for origination and structuring of complex transactions including leveraged acquisitions and recapitalizations for the General Industrial Group in the automotive, aerospace and defense, chemicals, paper and forest products, packaging, building materials and diversified sectors.

Charles Clampett

Information Technology, Managing Director

Mr. Clampett has over 30 years of experience in technology and operations, largely within the financial services industry. Mr. Clampett has extensive experience in evaluating the technology and operations capabilities of regional and community banks, completing audits, risk assessments, technology contract negotiations, acquisition diligence and regulatory order response and remediation for clients ranging from $200 million community banks to the large core service providers Jack Henry and Fiserv. During his career at Bank of America, he was responsible for e-Commerce, Online Banking and Retail Branch technology, and served in key strategic technology leadership roles, including merger integration and transformation.  

Lisa Mead

Human Resources, Managing Director

Ms. Mead has an extensive career in Human Resources, during which she has dealt with all aspects of human resources and employment law, served on compensation committees, led employee communications and corporate security. Ms. Meads’ work with community and regional banks includes organizational design, merger integration, recruiting, compensation planning, incentive design, regulatory compliance, talent planning, team building and succession planning. Ms. Mead began her career in banking with AmSouth Bank, served as Chief Employment Counsel at Regions Bank, and was most recently EVP and Director of Human Resources at Cadence Bank. Prior to her career in banking, she was in private employment law practice in Birmingham, Alabama; New Orleans, Louisiana; and Chattanooga, Tennessee.

August Toscano

Human Resources, Managing Director

Mr. Toscano served as Executive Vice President of Human Resources at Regions Financial Corporation, leading the human resources function for the company’s East Region, comprised of $44 billion in assets, 4,000 employees, and 563 banking offices in Florida, Georgia, South Carolina, North Carolina, E. Tennessee, and Virginia. Mr. Toscano is Brazilian, and has served with global Fortune 100 companies such as ExxonMobil, PepsiCo, and Citigroup.  He is a deeply experienced human resources executive, who has served as Chief Human Resources Officer and as Executive Corporate Liaison to the Compensation Committee of the Board of Directors at multiple companies. He has experience in global and domestic settings, domestic and international assignments, multiple sites, union and non-union environments, and internal and external economic crises. He currently serves as a member of the Brazil-Florida Business Council, an independent, not-for-profit business association.

Peter Brown

Credit Risk, Managing Director

Mr. Brown is a credit risk executive with extensive experience in credit workouts and loan restructuring, governance and strategy programs for risk management and compliance, loan administration, OREO administration, and asset/note sale strategies. Mr. Brown has worked on mergers, both in a diligence and post-merger integration capacity. Mr. Brown has a successful track record of optimizing collections on classified assets, devising innovative initiatives that maximized recoveries on over $12 billion in classified assets and loans during his career. His work experience spans C&I lending, Commercial Real Estate, Aircraft, Agriculture, Residential Mortgage and Consumer Loans. Mr. Brown has served in executive positions with Cadence Bank, Southwest Securities, Greenpoint Commercial Real Estate, Capital One, and Hibernia National Bank.

David White

Information Technology, Managing Director

Mr. White has over 30 years of experience in Technology, with a specialization in Software Development, Data Center, Servers & Systems Management. He advises regional and community banks on technology strategies, evolving FinTech solutions, and operational enhancements. Mr. White began his career in Dallas with InterFirst, and spent the next 20 years leading technology acquisition integration for the consolidation of banks that ultimately became Bank of America. Mr. White’s efforts in the development and implementation of global data center consolidation strategies, and deployment of state-of-the-art systems management and governance were a critical component of the banks competitive advantage. He held leadership roles in operations, technology, customer information systems, lending systems, banking center, credit card, call center and e-Commerce systems. Mr. White led technology and operational Integration of over 120 banks and financial institutions.

Suzanne McCusty

Treasury Management Operations & New Product Development, Principal

Ms. Suzanne McCusty has 25 years’ experience in the banking industry with extensive expertise in Treasury Services for business and commercial customers.  She began her career with Sovran Bank, and served as a senior product manager at Bank of America and Treasury Services project manager on the Wells Fargo and Wachovia Merger. Since 2010 she has worked with community and regional banks, leading implementation of Treasury Management products, designing internal controls to mitigate fraud risk, and developing product pricing strategies. She is a Certified Treasury Professional and Six Sigma Green Belt. 

Carol Carter

Operations Enhancement, Transformation and Merger Integration Project Management, Principal

Ms. Carter served in Change Management & Service Delivery and its predecessor with Bank of America for 25 years. During her tenure, she led many highly complex system conversions, infrastructure upgrades, merger integration and rationalization efforts undertaken by Bank of America, Nations Bank and NCNB. Ms. Carter was nationally recognized for her project management leadership in core system conversions. Ms. Carter expertise spans loan and deposit operations, information security, engineering services and trust operations. Ms. Carter has is a Certified Six Sigma green belt.

 

Donna Osborne

Operations Enhancement, Transformation and Merger Integration Project Management, Principal

Ms. Osborne began her career with Suburban Trust Company in 1980, and joined Sovran Bank in 1985. She has 20 years of experience with merger integration, serving as the PMO lead for deposit system conversions in over 12 major bank mergers, automation and outsourcing initiatives, and technology transformation projections. Ms. Osborne also managed production support for Consumer Banking at Bank of America, led Fraud Management and was Change Management Executive for e-Commerce. Her work at Bank of America was nationally recognized. Ms. Osborne is a Certified Six Sigma Green Belt.


Expertise Available through EAP

Credit Underwriting, Credit Administration and Risk Management

Former Chief Credit Officer with extensive Credit Risk Management expertise in loan policy development, credit approval, portfolio management, credit administration, and asset recovery across varied and diverse lines of business, including Corporate and Middle Market Commercial Lending, Business Banking, Commercial Real Estate Lending, Energy Lending, Private Banking, Asset-Based Lending, Leveraged Finance, Private Equity Group Lending, and Workout and Restructurings.

Retail Banking, Small Business, Call Centers & Training

The banking executive is a financial services industry leader with more than thirty years of professional experience. He has held senior leadership positions in retail and small business banking at large regional banks. He also spent three years serving as a senior financial services industry consultant with a large IT company. His skills and expertise include retail banking, consumer lending, small business banking, strategic planning, sales/marketing/training/customer service, project planning, product development and management, electronic product delivery, and information systems.

Commercial & Consumer Lending

Lender with over 20 years of experience in the financial services industry. The banker is knowledgeable of all aspects of commercial lending, including origination, underwriting, processing and closing. He has extensive knowledge in cash flow and financial statement analysis, asset valuation, real estate law, title issues and due diligence. He has been a Project Manager on other closings and also worked internally for the FDIC. He is a former mortgage company president and senior bank officer. Former Bank President and CEO and brings with him 35 years of experience in bank acquisition, bank marking and growth, and all phases of banking operations. He is able to assist clients with financial analysis on real estate sales and development, asset analysis and marketing. In addition to his other responsibilities, he is Adjunct Professor, teaching courses in Corporate Finance. Former Chief Credit Officer with over 35 years of banking experience including roles such as Chief Credit Officer, Senior Vice President, and President of such divisions of large multinational banks and president of a community bank. He has managed special asset groups which were responsible for the collection, monitoring, restructuring and handling problem assets to resolution and led staffs as large as 50. Additionally, he is an instructor of credit analysis and fraud examination issues to banking and regulatory organizations and has written articles for banking trade organizations.

Commercial Real Estate

Lender/developer with 35+ years of executive level experience in commercial real estate lending and commercial/residential development and construction, has held leadership roles in loan portfolio analyses and valuation, acquisition due diligence, and merger integration. His engagements have included assessment of risk relative to collateral values combined with borrower/guarantor financial capabilities for repayment, used by the clients to determine the feasibility of the acquisition or recapitalization. He has also managed the lending function in FDIC receiverships.

Mortgage

Former Senior Credit Officer at National Mortgage firm assists clients with establishing and restructuring mortgage businesses, portfolio due diligence and risk evaluations and establishing governance and compliance policies and procedures. He has broad experience in both the public and private sectors, having served as Senior Credit Officer for a multinationals mortgage division where he was responsible for credit approvals, policy development, risk identification, and portfolio integrity reviews. He has served as quality assurance team lead at one of the largest mortgage servicers, managed the sale of conforming and Alt-A mortgages for the FDIC, served as Asset Servicing manager on FDIC receiverships, and assisted with the restructuring of a multi-billion thrift purchased through an FDIC assisted transaction.

Credit Card

A senior level executive with over 45 years of experience in the credit card services industry and has worked with both US and foreign institutions to building, expand, merge and operate credit, debit and prepaid card businesses. His career included executive level positions at large multinational banks and credit card companies and has deep expertise in customer service, collections, credit, fraud, marketing & branding, portfolio and risk management, strategic planning and merger integration.

Credit Administration & Loan Operations

Banking executive has 25+ years of experience in commercial, consumer, and SBA lending operations, including creating and implementing operational processes and procedures for community banks while acting as Vice President / Loan Operations, Loan Administration. Most recently, she has been responsible for managing and determining risk assessment for multiple FDIC Receivership departments, including Loan Servicing/Operations.

Treasury Management

Banking executive has 30 years of experience in the financial services industry and most recently was EVP of Treasury Management at a super-regional bank. He has also served as senior vice President and COO for Treasury Services, senior strategist online services. He is a long time member of the Association of Finance Professionals and a Certified Treasury Professional.