1. 319 Maple Street
Clinton, Tennessee 37716
Phone 901-494-7180
E-mail rich.regan@live.com
Richard D. Regan
Education May 1990 Bellevue University, Bellevue, Nebraska
Bachelor of Arts Degrees in Business Administration and
History
Professional
experience
June 2013-Present. First Peoples Bank of Tennessee, Compliance
Officer/Internal Auditor, Jefferson City, Tennessee.
• The Compliance Officer oversees the Compliance Management
Program, functioning as an independent and objective body that
reviews and evaluates compliance issues/concerns within the
organization. I ensure the Board of Directors, management and
employees are in compliance with the rules and regulations of
Federal Deposit Insurance Corporation and Tennessee
Department of Financial Institutions regulatory agencies, that
company policies and procedures are being followed.
Acts as a channel of communication to receive and direct
compliance issues to appropriate resources for investigation and
resolution, and a final internal resource with which concerned
parties may communicate after other formal channels and
resources have been exhausted. The Compliance Officer acts
as staff to the Chief Executive Officer and Board of Directors by
monitoring and reporting results of the compliance/ethics efforts
of the bank and in providing guidance for the Board and senior
management team on matters relating to compliance. The
Compliance Officer is authorized to implement all necessary
actions to ensure achievement of the objectives of an effective
compliance program. Develops, initiates, maintains, and revises
policies and procedures for the general operation of the
Compliance Program and its related activities to prevent illegal,
unethical, or improper conduct. Manages day-to-day operation
of the Program. Collaborates with other departments to direct
compliance issues to appropriate existing channels for
investigation and resolution. Consults with the corporate
attorney as needed to resolve difficult legal compliance issues.
Responds to alleged violations of rules, regulations, policies,
procedures, and Standards of Conduct by evaluating or
recommending the initiation of investigative procedures.
Develops and oversees a system for uniform handling of such
violations. Acts as an independent review and evaluation body
to ensure that compliance Issues/concerns within the
organization are being appropriately evaluated, investigated and
resolved.
Monitors, and as necessary, coordinates compliance activities of
other departments to remain abreast of the status of all
compliance activities and to identify trends. Identifies potential
areas of compliance vulnerability and risk; develops/implements
corrective action plans for resolution of problematic issues, and

2. provides general guidance on how to avoid or deal with similar
situations in the future. Provides reports on a regular basis, and
as directed or requested, to keep the Board and senior
management informed of the operation and progress of
compliance efforts. Institutes and maintains an effective
compliance communication program for the organization,
including promoting heightened awareness of Standards of
Conduct, and understanding of new and existing compliance
issues and related policies and procedures. Works with the
Human Resources Department and others as appropriate to
develop an effective compliance training program, including
appropriate introductory training for new employees as well as
ongoing training for all employees and managers. Monitors the
performance of the Compliance Program and relates activities
on a continuing basis, taking appropriate steps to improve its
effectiveness.
• The internal bank auditor is responsible to the Audit Committee
of the Board for the internal auditing and reviewing of all
functions performed by bank personnel. Maintains and updates
auditing procedures as regulated by the Board and regulatory
agencies and reports to the Board results of the audits
conducted. Develop a comprehensive internal audit program for
the bank. Perform financial, operational, and compliance audits
in accordance with the internal audit program.
Coordinate with the independent CPA and all applicable
regulatory agencies and examiners to best utilize available
resources and achieve established objectives.
Assist Audit Committee in fulfillment of its duties and
responsibilities. Meet with Audit Committee quarterly to discuss
and audit findings from the previous quarter. Review bank
practices and records for compliance with established internal
policies and procedures. Develop recommendations for
improving internal controls, operating efficiency, and the
adequacy of bank records and recordkeeping. Report audit
findings and recommendations to appropriate management
based on the results of regularly scheduled audits, non-
scheduled audits, and at any time when issues need to be
addressed by management. Conduct follow-up reviews of
financial, operational, or regulatory compliance deficiencies
noted during audits. Conduct investigations of irregularities
discovered by or brought to the auditor’s attention. Investigate,
as requested by senior management or the bank’s security
officer, fraud, embezzlements, and defalcations within the bank.
Work in cooperation with law enforcement agencies in any such
cases as deemed necessary. Perform other duties as required,
consistent with the goals, objectives, and responsibilities of the
internal audit department and with the approval of the Audit
Committee.
November 2010 – June 2013. Tennessee Department of Financial
Institutions, Bank Examiner II, Banking Division, Knoxville
Tennessee.
• Examine and audit bank financial statements, ledgers, accounts
and related computer documents to ensure compliance with
accepted accounting principles and practices and adherence to

3. state laws, rules, and regulations. Conduct test checks and
samplings of income and disbursement items and accounts
maintained during the period of examination in order to
determine statutory compliance and the use of sound banking
practices. Verify bank assets and liabilities; reconcile bank
statements and analyze information on earnings, dividends, and
pertinent ratios. Examine corporate structure, managerial
practices, investment practices, internal controls, and record-
keeping procedures and methods in order to identify any existing
unsound business practices. Prepare detailed and complex
banking examination narrative reports and supporting financial
and statistical documents identifying legal, financial and
administrative problems or discrepancies and recommending
methods of improvement. Establish and maintain a variety of
personal contacts with bank executives and other personnel,
accountants, examiners, departmental associates and
supervisory staff in order to suggest solutions and resolve
problems uncovered in banking examinations and explain,
interpret and enforce departmental policies and procedures and
state laws, rules and regulations governing the banking industry.
Training includes FDIC’s Introduction to Examinations, Financial
Analysis, Loan Analysis and Information Technology
Examination Schools.
August 2005 – November 2010 Tennessee Department of Financial
Institutions, Loan Examiner III, Compliance Division, Memphis
Tennessee.
 Conducted examinations of non-depository financial intuitions. Assessed
business practices to ensure sound and non-predatory lending
practices. Documented all violations of State or Federal law, and
implemented solutions to resolve the violations. Conducted
examinations of Consumer Complaints, and identified all customer
documents necessary for enforcement actions. Wrote a technical
report that summarized the investigation, and recommended
enforcement action. Conducted out of state examinations of large
non-depository institutions regulated by the Department. Examined
financial and operational records of national companies in order to
ensure compliance with federal laws. Assigned tasks to subordinate
members of the exam team. Conducted fraud examinations of non-
depository institutions, and wrote technical reports detailing the
results of the examination. Training included Federal and State law,
RESPA, and the S.A.F.E. Act conducted by the Conference of State
Bank Supervisors.
September 2004 – August 2005 Wells Fargo Home Mortgage, Home
Mortgage Consultant, Memphis, Tennessee.
• Responsible for producing high quality loans that meet Wells Fargo
Home Mortgage guidelines by building relationships with realtors,
builders, financial professionals, bank stores, past customers and
other nontraditional sources, while providing excellent customer
service and strong sales and organizational skills. Developed
knowledge of company products, policies and procedures, and
underwriting requirements, real estate appraisals, title reports, and
real estate transactions. Informed prospective and existing
customers of WFHM programs, rates, policies, underwriting

4. requirements, and loan procedures. Analyzed detailed financial and
credit data, matching customer needs with an appropriate loan
program and level of risk. Received customer applications, quoted
the rate and points, and completed follow-up activities with the
registration lock-in. Developed and maintained a high degree of
visibility for WFHM in the marketplace.
August 2001- August 2005 First Tennessee Bank, Financial Center
Manager, Memphis, Tennessee.
• Managed the sale of products in a smaller specified region or other
geographic area to prospective, new and/or existing clients and
accounts through Financial Service representatives to develop and
retain long-term and profitable customer relationships. Built and
retained customer relationships and provided sales coaching,
developing product sales tools necessary. Established and
administered daily, weekly and monthly sales activities and goals
while providing continuous sales leadership. Supervised
subordinate staff including: hiring recommendations; determining
workload and delegating assignments; training (I.E., audits,
compliance, etc.), monitored and evaluated performance; and
initiated corrective and disciplinary actions to include terminations.
November 1999 – August 2001 US Bank, Branch Manager, Omaha,
Nebraska
• The primary duty of this position was management and
administration of the branch to ensure that budget goals are met and
to ensure compliance with all banking laws and regulations.
Regularly and customarily directed the work of the staff to effectively
identify the financial needs of customers. Provided on-site
leadership, motivation and direction for the branch staff; expanded
the customer base and branch profitability; integrated
products/services with customers’ needs and actively participated in
the community in order to market and promote bank products and
services.
October 1996 – November 1999 US Bank Personal Banker, Omaha,
Nebraska
• Actively developed new business and expanded existing customer
relationships. Responsible for assessing and handling customers'
banking needs, obtaining and processing customer/account
information and selling bank deposit and loan products and services.
Actively referred clients for brokerage products to Financial Specialist
or the appropriate Financial Consultant. Responsibilities included
consumer loan originating and closing, account opening, safe deposit
transactions, and branch opening/closing procedures. Referred
other products to the appropriate areas. Handled complex customer
service issues in absence of or as directed by branch manager.
Converted service opportunities into sales events.

5. References
Linda Gann Vice-President Operations Officer First Peoples Bank of
Tennessee, Jefferson City, Tennessee (865) 471-3116
Dennis Monroe Information Technology Officer First Peoples Bank of
Tennessee (865) 471-3117
Louella McElroy Regional Director Tennessee Department of Financial
Intuitions Banking Division, Knoxville, Tennessee (865) 806-1929
Jessica Huff Field Supervisor Tennessee Department of Financial
Institutions, Banking Division Knoxville, Tennessee (423)773-3520

6. References
Linda Gann Vice-President Operations Officer First Peoples Bank of
Tennessee, Jefferson City, Tennessee (865) 471-3116
Dennis Monroe Information Technology Officer First Peoples Bank of
Tennessee (865) 471-3117
Louella McElroy Regional Director Tennessee Department of Financial
Intuitions Banking Division, Knoxville, Tennessee (865) 806-1929
Jessica Huff Field Supervisor Tennessee Department of Financial
Institutions, Banking Division Knoxville, Tennessee (423)773-3520