home | about us | management team | Principal, Outsourcing Department dmasters@srsnodgrass.com Service/Industry Specialization Debra Masters has a combination of banking internal audit and compliance experience and the knowledge needed to help your business strengthen internal controls, ensure compliance with applicable regulations, become more profitable by being more efficient and effect, and bringing "best practices" to your Bank. She has audited and managed audits of all sizes and types for various sizes of financial institutions. She has also had experience on most all IT systems. She has dealt closely with all Regulators both at the State and Federal level. She has the expertise needed to understand and interpret the complex situations that arise at all financial institutions and structures the recommendations based on the individual bank's philosophy. Experience Debra is an Audit Manager with over twelve years of experience in both internal audit and regulatory compliance. Prior to joining S.R. Snodgrass, A.C. in October 1999, Debra was an Audit Specialist at F.N.B. Corporation in Hermitage, Pennsylvania, a $6 billion banking holding company. Debra has been in the financial services industry for over fifteen years, holding various positions in finance, accounting, and management. Her prior experience also includes a strong background in lending, as she was a loan officer originating commercial, residential, and consumer loans. Education Obtained the designations of Certified Trust Auditor ("CTA"), Certified Bank Auditor ("CBA"), Certified Financial Services Auditor ("CFSA") and a Certified Risk Professional ("CRP"). Bachelor of Arts, Accounting, Westminster College, New Wilmington, PA. Professional Associations Institute of Internal Auditors. The Fiduciary Investment and Risk Management Association. The Bank Administration Institution. Certified Fraud Examiners. Specialties: Internal Auditing Trust Department Auditing Office: Wexford, PA Phone: (724) 934-0344 Some might say my career was lived backwards. Largely due to the fact that I enjoy people and liked helping them, I began my career as a loan officer. At the time I figured since "the things money can buy" make many people happy in some way, this was a job where I could combine the two and get paid. I rarely bring it up, so few people know that I am also a professional clown. I don't do it much any more, but in the past I would don my clown costume and spend some time with hospital-bound children or nursing home residents just to brighten their day. Along the way I learned to make balloon animals, and just make them laugh in silly ways to help them feel a little better in some small way. Following that, I became a bank internal auditor. In some ways I also see this as helping people, achieve their own and their employer's objectives in a meaningful way. Even after all of these years, I still see an importance in maintaining the human side of auditing. By balancing human needs and corporate risk requirements, I can help the enterprise realize success, if only in a small way. Even with my somewhat convoluted career path, my positive attitude has helped me live and enjoy more of life along the way.