Chris Spoth joined Deloitte & Touche LLP’s Banking & Securities Regulatory Practice as director in 2012. He is advising financial institutions on regulatory remediation matters generally, and on Dodd-Frank initiatives. Prior to joining Deloitte, he was senior deputy director of the division of risk management at the Federal Deposit Insurance Corporation – a position that involved direct relationships with the FDIC chairman and board members, as well as with other banking regulatory agencies, senior officials at the Department of the Treasury, and Congress. He has extensive knowledge of regulatory programs for safety and soundness, consumer compliance, and bank failure resolutions. Chris oversaw the FDIC’s examinations, enforcement actions, applications, consumer protection, and anti-money laundering programs at more than 4,600 banks nationwide. Previously, he was regional director of the FDIC’s New York region, and earlier he led the agency’s international department. He joined the FDIC in 1980.