David D. Gibbons & Company provides unparalleled expertise in banking regulation and risk management, led by David D. Gibbons, whose public sector experience spans several pivotal roles within the Office of the Comptroller of the Currency (OCC).
As Deputy Comptroller for Special Supervision, Gibbons managed the resolution of several major financial institutions, such as Providian Financial and Household Finance credit card banks, employing innovative techniques to minimize losses. He also oversaw the supervision of all banks rated 3 and worse, directly managing those rated 4 and 5. His work included briefing top officials, including the Comptroller of the Currency and the FDIC Chairman, on risk and resolution matters.
In his role as Deputy Comptroller for Credit Risk, Gibbons identified emerging credit risks, such as subprime lending and weakened underwriting practices. He played a crucial role in developing key OCC and FFIEC policies and guidance on loan portfolio management, leveraged lending, subprime lending, and more. He also enhanced examiner skills in risk evaluation and provided expert advice on corporate applications, consumer protection, and capital markets developments.
As Examiner-in-Charge, Gibbons led examination activities for major institutions, including Fleet Financial Group and Chase Manhattan. His leadership in Shared National Credit examinations and the resolution of Shawmut National Corporation without losses is noteworthy.
David D. Gibbons & Company leverages this extensive public sector experience to offer expert testimony, regulatory advisory, and risk management services to financial institutions. For more details on his professional background and services, visit David D. Gibbons & Company.
