Jeffrey Torp is a consultant in the area of regulatory risk for financial institutions.  He specializes in the financial institution industry and has more than 25 years of experience serving financial institution clients in matters relating to bank regulation. Mr. Torp is an attorney and has previously served as a consultant with KPMG and with McGladrey & Pullen, LLP, and as legal counsel to the Independent Bankers of Minnesota. He received his law degree from William Mitchell College of Law in St. Paul, Minnesota, and his Bachelor of Arts Degree from Augsburg College in Minneapolis, Minnesota. Mr. Torp has worked with financial institutions throughout the country on regulatory issues and given numerous presentations on regulatory topics to groups of bankers, bank examiners, trade associations, and attorneys. He has also served as an instructor for the Independent Bankers Association of America’s compliance school and certification program, and authored several publications. See all works by Mr. Torp

Lorraine Hyde is a financial institution consultant who provides regulatory compliance advice to community banks, thrifts, and credit unions. She has over 20 years of general banking experience, 15 years of regulatory compliance consulting experience, and has worked in various capacities for a large regional bank, the FDIC, and a national accounting firm. Ms. Hyde is a contributing author to several Sheshunoff compliance tools. See all works by Ms. Hyde