Meet the New Directors
Meet Timothy Ward
Timothy Ward has joined as a director in the Governance, Regulatory and Risk Strategies practice of Deloitte & Touche LLP. Tim will work with Deloitte’s U.S. banking and securities clients, advising them on a wide range of issues that includes regulatory transition for savings associations and savings and loan holding companies, charter conversions, risk management, compliance, and regulatory remediation.
Most recently, Tim served as deputy comptroller for Thrift Supervision in the Office of the Comptroller of the Currency (OCC) where he led the planning process for integrating the Office of Thrift Supervision (OTS) examination and supervision functions into the OCC in fulfillment of the Dodd-Frank Wall Street Reform and Consumer Protection Act requirements. Ward’s career spans more than 28 years and includes diverse experience in national bank and savings association regulation, including leadership of all examination and supervision functions and agency operations.
He holds a Bachelor’s of Science degree in Business Administration/Finance from Auburn University and received the Federal Thrift Regulator Accreditation in 1989.
Meet H. Walter Young
H. Walter Young, formerly the director and senior vice president of corporate finance at Zions Bancorporation, has joined Deloitte & Touche LLP’s governance, regulatory and risk strategies (GR&RS) practice as a director. Based in Deloitte’s Salt Lake City office, Young will focus on advising Deloitte’s banking and securities clients with their stress testing and capital management efforts.
Young brings more than 30 years of banking experience to his new role. Most recently, he was responsible for developing Zions’ stress test process and steering the bank’s first Capital Plan Review, which encompassed multiple business lines, eight separately chartered banks and specific loan and security portfolios with individual risk characteristics, as well as the stress test for the consolidated entity. His duties included overseeing capital policies and, beginning in 2006, he helped develop all of the bank’s credit risk stress test models. Young was a member of the bank’s capital management committee, which directed all capital plans and major funding decisions. H. Walter Young focused on issues as wide-ranging as financial management, asset/liability committee activities, holding company liquidity management and policies, the internal capital adequacy and assessment process, performance measurement, capital planning and risk management during his time at Zions.
Prior to Zions, Young held senior management positions at Wells Fargo, Bank One and Citigroup (The Associates). While at Wells Fargo, Young successfully merged the asset-liability processes from Norwest and Wells Fargo into one new software platform; at Citigroup (The Associates), he created an asset/liability process that integrated multi-currency, worldwide interest rate risk processes that materially reduced long-term interest rate risk.
Young holds a bachelor’s degree from the University of Pittsburgh and a master’s degree in business administration from Carnegie-Mellon University’s Tepper School of Business. In addition to being a CPA in the state of Arizona, he has a certificate in advanced credit training from the Wharton/RMA Advanced Risk Management Program at the University of Pennsylvania.
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