Michael W. DeClue
Des Peres, Missouri 63131
Goal: Bank President, CEO
Federal Reserve Bank of St. Louis
Banking Supervision and Regulation Division (Division) May 1977 – February 2009
Last Title: Assistant Vice President
Managed a team of Supervisory and Senior Examiners
Responsible for the supervision and regulation of the
largest banks and bank holding companies in the Eighth Federal Reserve District.
Managed the Division’s Enforcement Department.
Managed the Division’s Monitoring and Surveillance Department.
A major participant in deciding and drafting supervisory actions.
Responsible for assisting in drafting work out plans for problem institutions.
Managed the Division’s Examiner training and Development Program.
Responsible for the Division’s annual strategic planning process.
Served as the primary contact and Examiner-in-Charge of the
largest most complex bank holding companies in the District.
Uncovered the largest case of bank fraud in the District’s history.
Represented the Bank in the U.S. Justice Department’s subsequent criminal investigation.
Worked closely with various law enforcement agencies as
well as various State and Federal regulatory agencies .
Won the U.S. Justice’s Department’s Meritorious Service Award.
Performed loan review and examinations of
savings and loans during the S&L crises of the mid-“80s.”
In-charge of examinations of regional banking organizations.
Taught examination classes for the Bank and
for other State and Federal Regulatory agencies.
In-charge of examinations of community banks and banking organizations.
A broad knowledge of best practices for
effective risk measurement, management and control.
Extensive experience assessing capital,
profitability, liquidity and Asset/Liability Management.
Extensive experience assessing credit quality and workout plans.
The ability to evaluate lines of reporting of official staff.
The ability to effectively evaluate the
structure of large and small bank holding companies.
The ability to evaluate official staff and boards of directors.
The ability to resolve conflicts between the board and
management of financial institutions, the
Federal Reserve System and other regulatory agencies.
The capacity to determine the steps required to remove supervisory actions.
Broad experience working with State and other Federal regulatory agencies.
Superior oral and written communication skills.
Experienced in producing formal reports for senior management and boards of directors.
Strong leadership, interpersonal and motivational skills.
The ability to manage a team of professionals and accomplish team goals.
Strong critical thinking and problem solving skills.
Saint Louis University – Masters Degree in Social Work - 2003
Graduate School of Banking – University of Wisconsin – 1989
The University of Missouri at St. Louis – Bachelor of Business Administration – Major Finance, Minor- Marketing – 1977
North Central University, Minneapolis, Minnesota – BA Theology – 1974
Led divorce recovery groups for over eight years for a
program known as Second Chapter sponsored by Central Presbyterian Church, Clayton, MO.
Served on Second Chapter’s board of directors for over two years.