1. MICHAEL C. WITTER MBA, BSc
983 Oakwood Chase Circle
Stone Mountain, Georgia 30083
(404) 330-7511
mikwitter@yahoo.com
Technically competent professional, results oriented, highly confidential with 32 years
experience in the regulation of deposit-taking financial institutions. Excellent at credit and
financial statements analyses, evaluating compliance with Laws and Regulations and seeking to
provide value-added contribution to the development of a dynamic organization. Major
strengths include good communication and inter-personal skills, attention to detail, and an
excellent team player.
WORK EXPERIENCE
1981 – 2012 Bank of Jamaica
Dec. 2001 – Dec. 2012 – Director, Financial Institutions Supervisory Division –
Examination Department 1
 Managed the Regulatory/Supervisory activities of the Department to ensure safety and
soundness of financial institutions subject to the Supervisory purview of the Bank of
Jamaica as well as their compliance with statutes, regulations and standards.
 Reviewed on and off-site examination reports for accuracy and completeness utilizing the
CAMEL rating system covering capital adequacy assessments, in-depth credit analyses
and reviews as a key component of overall asset quality, management, governance and
risk management assessments, earnings and liquidity evaluations as well as the entities
compliance with Anti-Money Laundering Laws and Regulations .
 Met with the Board and senior management of financial institutions to discuss
examination findings prior to finalization of reports.
 Reviewed, assessed and participated in the approval/rejection process for the fitness and
propriety of Board members and senior management of financial institutions.
 Reviewed, assessed and participated in the approval/rejection process on applications for
banking licenses.
 Reviewed, assessed and participated in the approval/decline of applications for the
implementation of new products/services by financial institutions.
 Participated in the development and implementation of Regulations, Best Practice
Standards and Policy by the Bank of Jamaica.
 Participated in the recruitment of new staff for the Financial Institutions Supervisory
Division.
 Provided on-the-job training, coaching and guidance for less experienced staff as well as
appraise and make recommendations for reward/developmental/remedial actions as
necessary.

2. Michael C. Witter MBA, BSc Page II
Jan. 1995 – Nov. 2001 – Assistant Director - Financial Institutions Supervisory Division
 Operational responsibility for the on and off-site surveillance of financial institutions to
ensure safety and soundness, and general compliance with Statutes, Regulations and Best
Practice Standards.
 Supervised and provided on-the-job training for less experienced Examiners.
Sept. 1986 – Dec. 1994 – Senior Bank Examiner – Financial Institutions Supervisory
Division
 Responsibility for on-site examinations in the field and reporting on assigned financial
institutions.
Feb. 1981 – Aug.1986 – Bank Examiner II – Financial Institutions Supervisory Division
 Completed assigned tasks in respect of on-site examinations of financial institutions.
EDUCATION
1996 – MBA Nova Southeastern University – Florida
1980 – BSc Hons. Management Studies - University of the West Indies – Mona, Jamaica
CONFERENCES/SEMINARS/COURSES/WORKSHOPS ATTENDED
2011 College of Regulators on Canadian Imperial Bank of Commerce (CIBC) - Guyana
2010 College of Regulators on CIBC and Bank of Nova Scotia – Toronto, Canada
2008 Annual Conference of the Association of the Latin American and Caribbean Banking
Supervisors – Rio De Janeiro, Brazil
2007 FSI/Caribbean Group of Bank Supervisors regional Seminar on
Consolidated/Conglomerate Supervision – Kingston, Jamaica
2003 Bank Supervision Leadership Program - Toronto, Canada
2000 Basel Core Principles for Effective Bank Supervision – Kingston, Jamaica
1999 Seminar for Senior Bank Supervisors – Federal Reserve Bank, Washington D.C.
1993 Money Laundering and Protection – Kingston, Jamaica
1989 Specialist Training for Bank Supervisors – Federal Reserve Bank, New York
1983 Regional Training Program for Junior Bank Supervisors – Kingston, Jamaica
SKILLS
Microsoft Office (Word, Excel, Power Point)
Special Interests
Avid sports enthusiast (soccer, track and field)
References
Available upon request

3. Michael C. Witter MBA, BSc Page III
PROFESSIONAL ACHIEVEMENTS
 Instrumental in the development and introduction of a standard Solvency analysis
process/schedule in 1994 as a part of determining financial health of deposit-taking
institutions.
 Instrumental in the development of Credit Classification Provisioning and Non-Accrual
Requirements issued by the Bank of Jamaica in 1994.
 Integral in the design and development of work-out/turnaround program for the National
Commercial Bank Jamaica Limited which was intervened in 1998.
 Integral in the review, assessment and approval of the sale/acquisition of the National
Commercial Bank Jamaica Limited, the country’s largest commercial bank, in 2002.
 Integral in designing and the development of Anti-Money Laundering and Counter
Terrorism Financing guidelines issued by the Bank of Jamaica in 2002.
 Instrumental in the development of the local training program on “credit line-slips write
ups” as well as a case study used in the regional train-the-trainer credit risk management
seminar.