3PR, Inc. is a firm specializing in risk management, including Consumer Regulatory Compliance, BSA/AML Compliance, Internal Control Audits, New Product and Service Compliance Enablement, and Call Report Preparation, Review, and Training. Our clients are comprised of both bank and non-bank institutions, including community banks, bankers' associations, 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
Lauren Sparks founded 3PR in 2010 as a firm specializing in Bank and Financial institution risk management and continues on in an advisory role only.
Lori Victory, CRCM, CAMS, CFSA
Lori Victory has more than 18 years of professional experience focused on all aspects of financial institution regulatory compliance functions. She has experience with lending, deposit, Bank Secrecy Act (BSA), and fair lending laws and regulations as well as developing, reviewing, monitoring, and managing bank compliance programs. Lori is also experienced in internal audits, fiduciary controls, SOX, and FDICIA.
Prior to joining 3PR, Ms. Victory served as a bank consultant for BKD National Financial Services Group, Harper & Pearson Company, P.C., and Sheshunoff Consulting + Solutions. She began her career at a community bank in Texas serving roles as a branch manager and Assistant Vice President in the Internal Audit department.
Ms. Victory received the Certified Regulatory Compliance Manager (CRCM) designation from the Institute of Certified Bankers in October 2011, the Certified Anti-Money Laundering Specialist (CAMS) designation from the Association of Certified Anti-Money Laundering Specialists in April 2014 and the Certified Financial Services Auditor (CFSA) designation from The Institute of Internal Auditors in October 2017.
She is a graduate of Sam Houston State University, Huntsville, Texas, with a B.B.A. degree in General Business, and a graduate of University of Houston, Clear Lake, Texas, with a M.B.A. degree in Business Administration.
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.
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.
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.
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).
Nicole Canestrini, CRCM, CAMS
Nicole Canestrini has more than 8 years of professional experience focused on all aspects of financial institution regulatory compliance functions. She has experience with lending, deposit and Bank Secrecy Act (BSA) laws and regulations. Nicole is also experienced in internal audit, FDICIA, and external audits.
Prior to joining 3PR, Ms. Canestrini served as a bank consultant for BKD National Financial Services Group and Harper & Pearson Company, P.C. She began her career in banking as a bank examiner intern with the Office of the Comptroller of the Currency in the Dallas field office.
Ms. Canestrini received the Certified Regulatory Compliance Manager (CRCM) designation from the Institute of Certified Bankers in July 2017 and the Certified Anti- Money Laundering Specialist (CAMS) designation from the Association of Certified Anti-Money Laundering Specialists in July 2016. She is a graduate of Sam Houston State University, Huntsville, Texas, with B.B.A. degrees in Finance and Banking and Financial Institutions.
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. 3PR’s multi-day cybercrimes and cryptocurrency courses have aided Law Enforcement “boots on the ground” in the ability to recognize, analyze and sweep illicit value to LE control where they have legal authority to do so.
In 2019 and 2020, agents and officers from many U.S. three letter agencies and dozens of local and state agencies or task forces attended 3PR’s courses taught by Bill. In 2019, Bill was directly credited by an officer that used the techniques from the course to make the original arrest and seizure in a case that was later deemed a significant cybercrime by the U.S. Dept. of Homeland Security. In December 2019, an investigation that began in the course lab in Indonesia yielded over a dozen arrests by February. Bill was recalled from Malaysia in March 2020 due to the pandemic. Even though all courses in the U.S. and elsewhere were halted, virtual assistance continued when possible. In late October 2020, Bill was called upon by a former attendee of the 3PR crypto course for advice. In December 2020, the lead officer in the successful case had this to say in part; “I feel this is just the beginning of our agency's enlightenment in the area of Cryptocurrency, and thanks to you, I expect many more”.
In August 2020, Bill officially launched 3PR’s beta version of a Raspberry Pi based open-source search platform for investigators, analysts and law enforcement officers and agents. Bill also presents pragmatic aspects of Blockchain and Cryptocurrency to financial institutions and financial services personnel. Bill is a perpetual learner and holds notable credentials of Certified Cryptocurrency Investigator from the Blockchain Intelligence Group as well as numerous certificates of achievement in both computer and health sciences.