Carl Pry, JD, is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who works in Lending Compliance for KeyBank in Cleveland, Ohio. Prior positions include Manager in the Finance & Performance Management service line for Accenture and Vice President at Kirchman Regulatory Services (the Big Orange Book people). Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and currently writes a regular column and serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He also serves on the Institute of Certified Bankers’ CRCM Board. He has spoken at dozens of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.