Tony Frame is a Manager in Deloitte’s Regulatory & Operational Risk practice in the Charlotte, North Carolina office and provides consulting services to financial services companies. Tony has played a lead role in client assessments of their allowance for loan and lease losses (ALLL), including reviews of oil and gas portfolios and related credit risk methodologies. Tony has also served clients in other capacities such as model validation, and counterparty credit risk, and enterprise risk management. Before coming to Deloitte, Tony spent ten years as a Bank Examiner with the Office of the Comptroller of the Currency (OCC). Tony’s experience at the OCC covered a wide range of areas, with emphasis on assessing Basel II/III programs, stress testing, various facets of commercial credit risk management (i.e. risk rating systems/scorecard design and performance, credit review, credit risk analytics), fair value option (FAS 157/159) portfolios, and enterprise risk management. Tony has a Bachelor’s degree in Economics from the University of Maryland.