3PR, Inc. is a firm specializing in risk management, including Consumer Regulatory Compliance, BSA/AML Compliance, Internal Control Audits, and New Product and Service Compliance Enablement. Our clients are comprised of both bank and non-bank institutions, including community banks, money service businesses, software development companies, and product innovators. We focus on various types of compliance, risk assessments, policy and procedures assistance, training, and risk-based audits. Our goal is to assist our clients in developing a sound and sustainable risk management program.
Lauren M. Sparks, CRCM, CAMS, AAP
CEO / Owner
Lauren Sparks is a Certified Regulatory Compliance Manager (CRCM) with 30+ years in community banking. Currently she is the Chief Executive Officer of 3PR, Inc. 3PR specializes in Risk Management, including Regulatory Compliance, BSA/AML Compliance, and Internal Control Audits. The goal at 3PR is to assist clients, both bank and non-bank financial institutions, in developing a sound and sustainable risk management program.
Ms. Sparks brings extensive experience in community banking, having held a myriad of positions during her years at a community bank. Ms. Sparks practiced risk management in and around the Houston, TX area, administering consumer compliance, internal audit programs, and training in the risk management discipline. She also acted as National Director in Risk Management Services for Sheshunoff Consulting + Solutions, a national consulting firm, where she provided risk management services, specializing in high-risk projects and engagements.
In addition to her CRCM, Ms. Sparks holds the designation of Certified Anti-Money Laundering Specialist (CAMS) and is an Accredited ACH Professional (AAP). She co-founded and co-chaired the Houston Chapter of ACAMS. She frequently teaches and presents sessions on compliance topics for webinars and industry conferences, including the ABA National Compliance Conference, the NACHA Payments Conference, and the FFIEC Consumer Compliance Specialists Conference in Washington, D.C. Annually, Ms. Sparks edits the ABA Regulatory Guide to Regulatory Compliance and has been published by various banking organizations and publications.
Anne Rosa, CPA
Chief Financial Officer
Financial Reporting Lead
Anne Rosa is the Chief Financial Officer (CFO) for 3PR. As CFO for 3PR, Anne handles the management and oversight of all accounting, financial reporting, and tax matters. Anne is a Certified Public Accountant (CPA) and offers a wealth of experience in consulting, tax planning, accounting systems assistance, and regulatory filing preparation and reporting. In addition to working with 3PR, Anne has owned and operated a CPA practice for more than 31 years, providing tax, accounting, and consulting services. In 2020, Anne took center stage in the Call Report business acquired by 3PR in late 2019. This business is utilized by state banking associations, financial associations, and banks around the U.S. respectively for training and filing of the Call Report.
Prior to joining 3PR, Anne served in positions such as CFO and CPA/Audit Manager for companies in the Buffalo, New York area. In these positions, she handled a wide range of responsibilities, including the management and oversight of all accounting, financial, tax, HR, and IT matters. She has performed and managed audits of privately and publicly held companies, and prepared and managed filings of IPO prospectuses and annual/quarterly SEC filings.
Linda Ly, MBA, CRCM, CAMS, CAMS-Audit
Linda Ly is a Compliance Director at 3PR. She has a Bachelor of Business Administration degree in Accounting and Finance from the University of Houston and a Master of Business Administration degree from the University of Texas at Austin. Additionally, she holds the designations of Certified Regulatory Compliance Manager (CRCM), Certified Anti-Money Laundering Specialist (CAMS), and CAMS-Audit. Over the years she has performed a number of high risk BSA/AML engagements, including look-backs, and has helped many community banks execute compliance initiatives during the recent years of regulatory reform.
Prior to joining 3PR, Linda acted as Engagement Manager in Southwest Risk Management Services for Sheshunoff Consulting + Solutions, a national consulting firm. Her professional development has included the Texas Bankers Association Compliance School, American Bankers Association Regulatory Compliance Conference, and ACAMS Financial Crimes Conferences. Linda has performed all types of compliance audits and consulting for community banks. As a banker, Ms. Ly worked in retail and branch operations for one of the leading consumer financial institutions, reinforcing her hands-on approach to consulting.
Paula Kinsey, CRCM, CAMS
Paula Kinsey is an Engagement Manager at 3PR. She holds the designations of Certified Regulatory Compliance Manager (CRCM) and Certified Anti-Money Laundering Specialist (CAMS), along with a Bachelor of Business Administration in Finance from the University of Houston. In addition, she is a graduate of the ABA’s Graduate School of Compliance Management, TBA’s Compliance School, and ABA’s Compliance School.
Paula has over 37 years of experience in community banking, including 26 years in internal audit and compliance. Prior to consulting, Paula acted as the Risk Management Director for a multi-bank holding company, administering its audit, compliance, loan review, and training functions, while acting as the primary liaison with the federal regulators. In early 2020, Paula joined the 3PR Call Report Team in compiling, preparing, and submitting the Call Report for multiple financial institution clients.
Renee Boudousquie, MBA, CRCM
Risk Advisory Manager
Renee Boudousquie is a Certified Regulatory Compliance Manager (CRCM). She has a MBA with a concentration in Finance from Sam Houston State University. Other professional development has included the Texas Bankers Association Compliance School. For the past several years, Renee has performed all types of compliance and internal control audits; assisted in the development of regulatory resources, BOD/employee training, and conducted Risk Assessments for 3PR clients. In early 2020, Renee became an integral part of the 3PR Call Report Team by compiling data, preparing, filing, and consulting on the Call Report for multiple financial institutions clients.
Prior to consulting, Renee acted as a Vice President/Assistant Cashier for a community bank in the Houston area. Her responsibilities included the implementation of the bank’s compliance management program, budgeting and forecasting, BOD reporting and the supervision of the Bank’s Operations Department. She also has experience in other areas of banking including credit administration, internal loan review, CRA administration and special projects.
Terry Harrison, MBA
Risk Advisory Manager
Terry Harrison has over 15 years of financial institution experience, including community banking operations and compliance. His banking career started in a community bank turn around. While picking up many hats including Credit Analysis and Compliance, Mr. Harrison created a credit department and developed policies for the expanding and re-energized bank. Mr. Harrison was part of the team that received the only approval to open a de novo bank in the years 2010 through 2012. He authored the application of over 400 pages including financial projections and preliminary bank policies. After the bank opened in 2011, he served as Chief Operating Officer, BSA Officer, and Cashier.
Mr. Harrison has recent experience in special assets and debt workouts with an asset management company.
Prior to his banking career, Mr. Harrison served as Marketing and Operating Officer for several manufacturers. He also operated an aerial device manufacturing company in Texas.
Mr. Harrison graduated from the University of Denver with a BSBA in Business Administration and Baylor University with a MBA in Finance. He has attended the ABA National Compliance School, NACHA Operations Training, and Fair Lending Boot Camp.
Andi Stratton has over 13 years of financial institution experience, which includes serving as operations management, Compliance Officer, and Bank Secrecy Act Officer. Her expertise includes hands-on program management, and the development of written policies, procedures, and programs in many areas. Mrs. Stratton has attended various financial institution compliance schools and is a Certified Community Bank Compliance Officer (CBCCO). She attended Southwest Texas State University and was awarded a BBA in Finance. More recently, she has attended Texas Bankers Association Bank Secrecy Act school.
Mrs. Stratton also served as Marketing Director for a credit union in Austin, Texas. During that time, some of her responsibilities included event planning, website creation and maintenance, company newsletter development and distribution, developing promotional campaigns, and meeting with accepted and potential Select Employee Groups.
Tina Veserra has served 43 years in banking and is a native Houstonian. She has numerous years of diversified experience, with demonstrated strengths in the areas of Operations, Internal Auditing, Compliance, Financial Accounting, and Internal Controls. Her career history includes positions such as Executive Vice President/Cashier, Senior Vice President/Chief Operations Officer, Senior Vice President/Branch Operations Officer, Compliance and BSA/AML Officer, and Secretary to the Board of Directors for community banks.
Tina is a graduate from the University of Wisconsin Graduate School of Banking in Madison, where she was awarded a three-year scholarship from the Bank Administration Institute. She also attended Texas Tech University, where she received her Business Administration diploma in Advanced Banking Studies. In addition, she attended Southern Methodist University Intermediate Banking School and TBA’s Compliance School. She is a member of the Houston Area Compliance Group and Financial Women’s International Group, and past member of the BAI Gulf Coast Chapter, where she served as a Board member for four years.
Ann Thomas has over thirty years of experience in bank accounting and control. She received a BA in Accounting from the University of Houston in 1982. She worked with Judith Alexander Jenkins for 15 years, providing planning, financial reporting, regulatory reporting, and operational and compliance auditing services to over ninety independent banks. In 1998, she organized Thomas Consulting. As Thomas Consulting, she has performed regulatory compliance audits and training, internal control audits, and specialized in the preparation and review of Call Reports for numerous banks. Ms. Thomas has taught Call Report seminars for state banking associations since 1999. She has presented the Call Report Seminars to and has responded to questions from thousands of bankers across the country. Her experience in working with a broad range of independent banks is of unique value in understanding Call Report questions and in communicating with bankers in their own language. Ann sold her practice to 3PR in 2019 but continues to provide her expertise as a Consultant with 3PR to banks all over the U.S.
Ms. Dopjera has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include the areas of accounting, internal audit, Call Report preparation and review, all while working for small community banks as well as large regional banks. In early 2020, Ms. Dopjera became responsible for all 3PR Call Report Training sessions, which includes multi-day in person and online delivered training around the U.S.
Ms. Dopjera is certified as a public accountant (CPA). In 2000, she joined the public accounting firm of Harper & Pearson Company, P.C., where she served as Practice Leader for the Firm’s financial institutions practice. Her responsibilities included providing professional services to community banking and savings organizations, as well as large, publicly traded, regional institutions. The Firm’s services included financial statement audit, accounting, tax preparation and filing, internal control audit, Call Report audit, regulatory compliance, loan and asset quality review, model validations, interest rate risk assessments, and design and implementation of internal controls over financial reporting frameworks for institutions regulated under FDICIA and Sarbanes-Oxley. In 2018, Ms. Dopjera retired from Harper & Pearson Company, and currently provides accounting, consulting, and training services to financial institutions.
Aydee De Leon, CAMS
Aydee De Leon is a Certified Anti-Money Laundering Specialist (CAMS). She has over ten years banking experience in the role as teller, head teller, and CSR with large regional financial institutions. Her professional development has included the Texas Bankers Association Compliance School 2014 as well as various regional seminars and webinars on BSA/AML and risk topics. Over the past three years, Aydee has performed internal control and compliance audits for community banks.
Shayna Schubert, CRCM, CAFP, CCBCO
Shayna Schubert is a Certified Regulatory Compliance Manager (CRCM), a Certified Anti-Money-Laundering Fraud Professional (CAFP), and a Certified Community Bank Compliance Officer (CCBCO) with over 34 years of banking experience. She started her banking career as a teller and continued to advance, learning all areas of community banking over the years. Her hands-on experience includes management in loan operations and compliance. Prior to consulting, Shayna was a Compliance and BSA Officer for a small to medium size community bank in the Houston area. She has recently earned her ABA certifications for BSA/AML Compliance and Fraud Prevention (CAFP).
Cristal McSwain has over 17 years of financial institution experience, which includes serving as a Teller, New Accounts, Executive Management & Lending Assistant, as well as Compliance, at various local Community Banks in the Houston area. Mrs. McSwain assists 3PR, Inc. with Administrative and Client Services.
William Sparks, CCI
Emerging Money Laundering Risk and Digital Currency Research
William Sparks (Bill) draws from past career experiences that allowed him to explore an area where finance and the intelligence community meet. Bill began in the cryptocurrency space in 2013. 3PR’s multi-day cryptocurrency course has aided Law Enforcement “boots on the ground” in the ability to recognize, analyze, sweep illicit value to LE control and perform lookbacks on information overlooked in previous searches.
In 2019, agents and officers from many U.S. three letter agencies and some 35 local and state agencies or task forces attended 3PR’s crypto course. In December 2019, 3PR’s Cybercrimes Investigations Course was launched in Indonesia and was successful immediately out of the gate. Subsequent courses were presented in Indonesia and Malaysia in March 2020 prior to being recalled home due to the Covid-19 pandemic.
Bill also presents pragmatic aspects of Blockchain and Cryptocurrency to financial institutions and financial services personnel. Bill is a staunch advocate of women achieving parity in the workplace. He is always learning and is virtually always enrolled in an online course. Bill holds the credential of Certified Cryptocurrency Investigator from the Blockchain Intelligence Group and was awarded the certificate Foundations for Data Science from the Stanford Center for Professional Development, both in 2019.