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meet our team

Virtual Compliance Management is a collective of former regulators, compliance officers, internal auditors, and trainers ready to assist you with your business. Our consulting firm provides the flexible resources you need, including updating bank policies and procedures, training classes, compliance auditing, and quality control reviews, to make you stand out against your competition.

James DeFrantz

James DeFrantz, CRCM, CAMS, J.D., is a consumer and real estate lending compliance specialist with more than 30 years of experience in the financial service regulatory industry. He has served as a senior compliance examiner at the Federal Reserve Bank in San Francisco and has spent time as an analytical manager at the Office of Thrift Supervision as well as a commissioned national bank examiner at the Office of the Comptroller of the Currency.

Mr. DeFrantz has a certificate from the Pacific Coast Banking School of Bank Management, a Juris Doctor from the University of San Francisco with a concentration in banking and finance, and a BA from Dartmouth College. He is a certified regulatory compliance management and anti-money laundering specialist with experience in fair lending, consumer operations, non-deposit investment products, note department operations, BSAs, CRAs, and the entire credit approval process.

Rick Caldwell

Rick Caldwell has more than 40 years of combined banking, consulting, and outsourcing experience in the financial services industry. He  has held executive management positions at both regional and community banks as well as a Big 8 accounting firm, several consulting firms, and two Fortune 500™ outsourcing companies.

Mr. Caldwell has a Computer Science Degree from Greenleaf College and also completed an Executive MIS course at Harvard University.

David Delo

Mr. DeLo was a co-founder of Southport Financial Corporation, with Connecticut Mutual Life Insurance in 1986, and President of Southport Asset Management Corporation, managing in excess of $5 Billion USD for financial institutions, regulatory authorities and corporate pension accounts. Prior to that he was an investment consultant specializing in corporate finance and investment banking. Mr. DeLo was also President of a NASDAQ Broker/Dealer and Registered Investment that acquired a majority interest in a NYSE member firm. Mr. DeLo also served on the staff of the Executive Office of the President, and was Chairman and/or director of various Banks and financial institutions, Foundations and the National Small Business Alliance.

A graduate of the United States Naval Academy, he served three afloat tours in Southeast Asia, the Special Projects (Polaris and Trident) Office, the Deep Submergence Group, American University School of Law in Washington DC, and the Advanced Sea Based Deterrent Group at the US Naval Postgraduate School, in Monterey, CA.

Larry E. Echelmyer, JR

Larry Echelmeyer, BSG Solutions Group Senior Managing Partner, has over 35 years of experience in the financial services industry, with expertise in lines of business, finance, credit, operations and technologies. This comprehensive experience as a banker, management consultant and project executive has led to the successful delivery of numerous business transformation, merger integration, operations and information technology projects for financial institutions in the United States and abroad.

Prior to his consulting career, Larry held various senior executive positions with multi-state banks headquartered in California. His chief responsibilities in these roles included strategic planning, internal consulting and project management, general business and risk management, business development, credit administration, treasury operations and technology, auto leasing, retail and commercial executive management, pre and post merger integration, systems integration and community involvement

After more than 25 years in banking, Larry joined IBM as a senior consultant and executive project manager and was engaged nationally and internationally on large, complex and challenged projects ranging from mergers to application development and end-to-end e-commerce solutions. Following IBM, Larry led an improvement initiative project for information services and technology effectiveness, developed and implemented a multi-faceted credit process improvement plan, managed a total of five bank charter collapse and fourteen bank merger integration projects, and led total bank collaborative process and performance improvement engagements.

Larry earned his BA and MBA from California State University in Dominguez Hills. He is also a commercial graduate of the Pacific Coast Banking School at the University of Washington and has completed coursework in managing information services resources as part of Harvard Business School’s Executive Education Program. In addition, he holds a project management professional (PMP) certification and is a certified credit professional (CCP).. He currently resides in Rancho Mirage, CA.

Alan R. Thompson

Alan Thompson, BSG Solutions Group Senior Managing Partner, has over 35 years of banking experience, most recently as Director, President and CEO of Butterfield Bank, a $12 billion bank in Bermuda with offices in 10 countries. Previously, Alan was the President and CEO of Riyad Bank, a $20 billion bank in Saudi Arabia. Additionally, he held numerous executive positions during his 23 years with First Interstate Bank. He has extensive line operating experience in consumer and corporate lending, branch operations, wealth management, trust, asset management, and payment systems. Alan has been heavily involved in system and operations projects, including being the lead line manager on three major conversions, including two core systems conversions..

At First Interstate Bank, Alan held a variety of executive positions, including the President of the Arizona Bank with responsibility for consumer and small business lending, commercial lending, wealth management, mortgage, and trust. Previously, he was the Chief Credit Officer for the California bank, and prior to that he was the division manager for the Central Valley Region with responsibility for 65 branches, direct and indirect lending, commercial lending, and agricultural business. Alan held positions internationally in Asia and managed the Midwest US Banking Division.

He has a MBA from the Wharton School of Finance and a BA from Claremont McKenna College. He currently resides in San Diego, CA.

John A. Lawson, CIA, CISA

John A. Lawson has more than 30 years' experience in the areas of consumer compliance, audit, accounting, operation, and information technology in Banking and specialized financial services. Previous work experience includes the Federal Reserve Bank of San Francisco, Bank of America, E-Loan, and Union Bank. As a senior manager at E-Loan, and other technologies companies, John lead and conducted general control IT audits, assessments and was instrumental in developing a transparent control environment. Mr. Lawson has proven management expertise in developing people, programs, and process that effectively address Dodd-Frank, Sarbanes- Oxley (SOX 302 and 404) and Fair Lending in addition to building resilient compliance management system and governance.  John holds a Bachelor's Degree in Business Administration from San Diego State University.  

Norman Weekes

Norm is a retail banking professional with experience in business banking, commercial loans, consumer lending and treasury management. Prior to joining VCM Norm has worked at community and national banks, including JPMorgan Chase and Wells Fargo. He has a background in corporate account management and business to business sales. He takes a consultative approach with an eye towards long term relationships and client success.

Norm’s experience in branch operations has given him an appreciation of the necessary balance between the regulatory and market environment. In his spare time, he volunteers as an advisor to community based non-profits. Norm holds a Bachelor of Arts degree from the State University of New York College at Oswego with a double major in Communication Studies and Psychology.

D. Elliot Woods

In addition to being a professional Actor for Film and Television and one of the busiest Commercial Actors in Hollywood, D. Elliot Woods has an accomplished background in Corporate America as well. Mr. Woods is a former Regional Manager of Training and Development for MCI Telecom, where he developed, wrote and implemented Training policies and procedures for both Initial and Ongoing training for Management development as well as for 220 Customer Service and Sales (inside and outside) personnel in 5 offices covering 15 states. While transitioning into the Entertainment Industry, Elliot worked at O’Melveny & Myers law firm in Los Angeles, CA, where his eye for specific detail was in considerable demand -- often traveling with Senior Partners or firm Attorneys in the capacity of Proofreader/Paralegal for Corporate and Entertainment concerns. Currently, Mr. Woods enjoys balancing multiple roles as a father, Business Development Consultant and, of course, as an Actor. He also enjoys teaching at local colleges when time allows, writing and producing Corporate Training videos through his production company.

Sonia Garcia

Sonia Garcia has over fifteen years of experience as a Safety and Soundness Financial Institution Bank Examiner for both the California Department of Financial Institutions and the Federal Deposit Insurance Corporation. One of two FDIC Bank Secrecy Act Specialists for the San Francisco region, Sonia served two years as a Loan Review Specialist for the Federal Deposit Insurance Corporation, and seven years of compliance and risk management experience in the private banking sector for both large multi-billion dollar institutions and small community banks.

An achievement oriented business professional, Sonia has  experience in Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Office of Foreign Assets Control (OFAC) Compliance Programs, Loan Review, Operational Audits and Internal Risk Assessments.  Due to her strong communication skills and excellent interpersonal skills, Sonia  has a track record of successful interactions with the Federal Deposit Insurance Corporation, the CA Department of Financial Institutions, and the Office of the Comptroller of the Currency.

Douglas Feil

Douglas is a certified professional in the area of technology risk management, regulatory compliance, information systems security and control, business continuity/contingency planning, IT management, IS audit policy and practices, and Board of Directors reporting. His experience includes contract negotiation, technology insurance, vendor/service provider evaluations, identity theft prevention, evaluation and developer of incident response, business resumption and operations contingency plans, and independent analysis of operations risk. Prior positions include Managing Principal at Computer Security and Control Services LLC, Senior IS Examiner at the Federal Reserve Bank of San Francisco, Commercial and Technology Examiner for the Office of the Comptroller of the Currency, and VP-IS Audit Manager at the Bank of Hawaii.

He is a Certified Information Systems Auditor (CISA), a Certified Information Security Manager (CISM), a Certified Fraud Examiner (CFE), and was a Certified Disaster Recovery Planner (CDRP). Douglas holds a BS in Marketing and Accounting from the University of Louisiana at Lafayette. He has taken advanced courses toward his MBA, and is an author and speaker for his professional association, the Information Systems Audit and Control Association (ISACA).

David Scott, CPA CIA, CFE

David is an experience Senior Risk Manager with extensive experience in the financial services industry including Commercial Banking, and investment management. In addition, David has extensive experience in the area of auditing financial institutions. David has lead audit teams in the areas of regulatory compliance, internal control risk assessment, internal audit, organizational policy development, and business resumption planning. In addition, David has performed audits in the areas of GLBA, Sarbanes-Oxley (SOX 302 and 404). David has extensive experience in both private industry and as a audit. His work resume includes the following:

    Audit Manager – State Bank of India California
    Supervisor- VTD Financial Services Group
    Sox Auditor- Soren Macadam & Christenson LLP, Redlands, Ca
    Client Services Officer- JP Morgan Chase

David has a bachelor’s degree in Finance form California State University San Bernardino, is a Certified Public Accountant and Certified Internal Auditor.

Sheryl Kelly

For over 20 years, Sheryl Kelly has served the financial services industry while working at both regional and nationwide bank consulting firms. Ms. Kelly's experience speaking with senior bank executives from across the country provides her insights to today's compliance and risk trends in the industry.  She earned a Bachelor of Arts and a Bachelor of Business Administration at The University of Texas in Austin.  

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