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Risk Management Partners, LLC


Risk Management Partners, LLC (RMP) specializes in providing risk management consulting services to financial institutions. The three principals of the company have more than 100 years of combined experience in banking as regulators, bankers, and consultants. They have more than 55 years of combined experience delivering high-quality risk management consulting services to financial institutions throughout the United States.


Credit Services

RMP loan review consultants have provided independent loan review services for many years to financial institutions in several states and Puerto Rico. RMP loan review services are highly regarded by the firm's clients as well as regulatory authorities. All of the firm's loan review consultants have extensive lending experience and understand both the practical and regulatory implications of underwriting and credit administration. In addition to providing independent loan reviews, RMP also provides due diligence reviews and credit administration consulting including efficiency and work flow analysis.

Compliance Services

RMP compliance consultants have provided various consumer compliance consulting services for many years to financial institutions in several states. Services include consumer compliance audits, Bank Secrecy Act audits, ACH audits, and training. Client banks report that regulatory authorities have been highly complementary of the compliance services provided by RMP. The firm's compliance consultants participate in continuing education on a regular basis and have various compliance certifications from nationally recognized associations.

Other Services

In addition to the credit and compliance services, RMP also provides various regulatory-related services including the following:

Pat McElroy, Jr. - President

Mr. McElroy is a graduate of Texas Christian University. He is a former commissioned examiner with the Federal Reserve Bank of Dallas. After 15 years of regulatory and banking experience, Mr. McElroy founded a regional bank consulting firm in 1989 and managed it for 13 years before he sold it to a national consulting firm. He and his two partners founded RMP in 2007. In addition to his consulting work, Mr. McElroy is a frequent speaker and instructor for various banking organizations throughout the United States. He is regularly called to testify as an expert witness in bank-related trials throughout the country and has provided expert testimony in more than 100 cases. Mr. McElroy has written numerous articles about regulatory and risk management issues that have been published in various banking industry magazines throughout the country. In addition to his consulting work with financial institutions, Mr. McElroy has provided consulting services to the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), and the Texas Department of Banking. The services he provided to the OCC and Texas Department of Banking were related to the training of bank examiners.

Randy Yeager – Executive Vice President, Credit Services

Mr. Yeager is a graduate of the University of Texas at Austin. He is a former commissioned examiner with the Office of the Comptroller of the Currency. In addition to examining domestic national banks, he worked on Shared National Credits and also performed work for the OCC in London, UK. After leaving the OCC, Mr. Yeager worked as a loan officer in a commercial bank for six years. He was involved in commercial, real estate, and executive and professional lending. Mr. Yeager has been providing credit-related risk management consulting services to financial institutions since 1991. He has conducted or supervised more than 500 loan reviews as a professional financial institution consultant. He has reviewed loans in large publicly traded banks as well as smaller community banks. He is considered by both his peers and his numerous clients as one of the top loan review professionals in the business. In addition to his consulting work with financial institutions, Mr. Yeager has worked as a contractor for the OCC, reviewing large and medium credits during the examination of national banks. Mr. Yeager is a graduate of the Southwestern Graduate School of Banking (SWGSB) at Southern Methodist University.

Dee-Ann Dobson – Executive Vice President, Compliance Services    

Dee-Ann Dobson is a graduate of Texas Lutheran University. Prior to becoming a consultant, she worked in banking for several years, working as an internal auditor for 10 years and as a compliance officer for 16 years. Ms. Dobson also held the position of Vice President and Cashier of a community bank. She has conducted or supervised hundreds of compliance and BSA/AML reviews and audits during the past 15 years as a compliance consultant. In addition, she has conducted numerous in-house training sessions for bankers throughout the country. She has authored many compliance-related policies and procedures and has developed audit programs for testing compliance with anti-money laundering regulations. She has also provided expert witness testimony regarding appropriate banking policies and procedures. Ms. Dobson has an excellent reputation with bank regulators and a very loyal following of clients. She has been designated a Certified Regulatory Compliance Manager (CRCM) by the Institute of Certified Bankers, an Anti-Money Laundering Professional (AMLP) by the Bank Administration Institute, and a Certified Community Bank Compliance Officer (CCBCO) by the Independent Community Bankers of America.

Professional Staff 

The principals of RMP are joined by a staff of professional risk management consultants with extensive regulatory, banking, and consulting experience.  All engagements are staffed with professionals who have the necessary experience and skills to provide exemplary customer service.