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Meet Sandy Pfeffer

Director, Deloitte & Touche LLP

Timing the market for a successful IPO may be a challenge. Sandy Pfeffer thrives on that challenge, advising companies on activities they can control, so they are ready to move fast when the market is right.

"Failure to coordinate the many moving pieces may result in inefficiencies that can distract management from key tasks during a critical time. Potential consequences of poor pre-IPO planning include higher expenses to implement processes after the fact, non-compliance with regulatory standards, increased risk and diminished investor confidence."

Sandy Pfeffer in an article about essential planning stages of going public.
February 2012, CFO Journal — The Wall Street Journal

Sandy Pfeffer leads Deloitte’s IPO Readiness offering and has more than 16 years of experience providing a wide range of advisory services to companies that are evaluating and executing transformational activities or large complex transactions. Anchored with her significant Securities and Exchange (SEC) and technical accounting experience, Sandy provides full-range advisory services to entities preparing for initial public offerings (IPO), U.S. SEC registration, divestitures/spin-offs and restructuring activities related to bankruptcy emergence. Areas include: S-K/S-X compliance, disclosure controls and procedures, governance, internal controls over financial reporting and finance transformation.

From an industry perspective, Sandy has spent much of her career in financial services, with a specific focus on banking and mortgage banking. She’s helped clients navigate the complexities of mortgage servicing rights, loan accounting, financial instruments, derivatives, hedging, securitizations and fair value. Sandy is a designated subject-matter resource in the area of financial instruments (“FI-SMR”) and is a risk reviewer for foreign private issuer clients for Deloitte’s audit practice. Sandy is the leader of the credit specialist group, which is a group of subject matter resources who have significant experience in credit modeling to support the ALLL methodology for banks and other financial institutions.

Sandy spent three years in Deloitte’s national office, both in the SEC Services group and the Accounting Consultation group. She is a contributing author to “Mortgage and asset backed securities litigation handbook — Chapter 14: Accounting issues related to securitization”
(Thomson Reuters/West); “Mortgage series on management estimates,” parts 1 and 2 (Deloitte Development LLC); and “Strategies for going public” (Deloitte Development LLC). She was quoted in the Wall Street Journal's CFO Journal articles “Considering an IPO? Six essential planning stages of going public" (February 2012) and “Disclosure and communication issues to consider under the JOBS Act” (November 2013). Additionally, Sandy is a frequent speaker at the Mortgage Bankers Association annual accounting and finance conference.

Sandy is a leader within Deloitte’s Women’s Initiative (WIN) and active in women’s initiative activities in the community. She serves as the Impact Committee chair for the United Way of Greater Philadelphia and Southern New Jersey’s Women’s Initiative Leadership Committee. In 2013, Sandy was recognized by the Philadelphia Business Journal as one of the region’s 40 Under 40.

Sandy is a member of the American Institute of Certified Public Accountants and the Pennsylvania Institute of Certified Public Accountants. Sandy holds a B.B.A. in accounting from Temple University and is a certified public accountant licensed to practice in Pennsylvania and New Jersey.

As used in this document, “Deloitte” means Deloitte & Touche LLP, a subsidiary of Deloitte LLP. Please see for a detailed description of the legal structure of Deloitte LLP and its subsidiaries. Certain services may not be available to attest clients under the rules and regulations of public accounting.


Sandy Pfeffer
Deloitte & Touche LLP
Job Title:
+1 215 405 7846

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