Meet Our Executive Leadership Team

As Managing Director of IT Risk and Compliance Services, Michael Barrack provides IT security and risk and compliance consulting services for community financial institution clients across the United States. With more than 25 years of serving community Banks in Southern California, Michael brings a keen understanding of how our clients use technology to support the business, and what the regulators expect of Banks and Credit Unions as it relates to IT- related compliance.

Having been the accountable Executive in IT regulatory examinations as both a banker and service provider to Banks and Credit Unions, he has the experience and insight to know how best to prepare for and respond to such exams, which the Risk and Compliance team has incorporated in its offerings and consulting services.

Previously, Barrack served as Chief Executive Officer at iPay Technologies, LLC, a Kentucky-based bill payment processing company where he led the company through a period of explosive growth, tripling revenue and increasing profitability and the client base of community banks and credit unions substantially. A veteran to the banking industry, Barrack has led technology and compliance efforts at financial institutions over the course of his career including East West Bank, where he served as Director of Information Systems, and Community Bank, in which he led the Information Technology Group as Chief Information Officer.

Barrack resides in Henderson, Nevada and holds a Masters of Business Administration at University of California, Los Angeles. He received his undergraduate degree at Carleton College, graduating Magna Cum Laude.

Cindy is the Chief Product Officer at Accume Partners. She has over 30 years of experience serving clients in the financial services industry. Cindy is recognized for her extensive knowledge of auditing standards, enterprise risk management practices, practical business operations experience and a collaborative approach to service delivery excellence. Cindy has written articles and contributed to several professional networks on topics including audit, controls, risk, fraud, compliance, forensic analysis, and talent. Cindy has served as a trusted advisor to Boards, Audit Committees, Executive Leadership and Government Agencies. She has contributed to the development of banking regulations and professional models for both domestic and international governing agencies.

Prior to joining Accume in December of 2016, Cindy held senior leadership positions with Citigroup, Deloitte LLP and JPMorgan Chase. Cindy is a graduate of St. John’s University, New York.

Fred is Managing Director and leader of Accume’s NY Region with over 35 years of experience in both Professional Services (Big 4 and Consulting) and Private Industry. He is a hands-on executive with a broad-based knowledge of entire banking operations who has successfully delivered small- and large-scale engagements while affecting positive change in the areas of internal control, operations and risk management, corporate governance, financial systems and reviews and reporting. His expertise includes building, restructuring and leading teams, nurturing internal and external relationships and addressing challenging issues. In his role, Fred is responsible for overseeing all Accume client relationships in NY and meeting regularly with the Board of Directors, Audit Committees, Audit Committee Chair and executive management.

Nicole is a Managing Director of our Mid-Atlantic Region and has over 25 years of diversified internal audit experience with a focus on the financial services industry. She has extensive experience managing internal audit and overseeing internal audit plans, internal audit programs and audit workpapers.  Nicole’s internal audit experience in banking includes all aspects of retail operations, lending, finance and accounting, compliance auditing, performing audit risk assessments and developing audit programs. She also assists clients with preparation for compliance with the Sarbanes-Oxley Act of 2002 and their ongoing SOX testing and reporting.​

In her role as Managing Director, Nicole is responsible for overseeing all Accume client relationships in Pennsylvania, Maryland, Virginia, West Virginia, Delaware and the District of Columbia. In this capacity, she meets regularly with the Board of Directors, Audit Committees, Audit Committee Chair and executive management of financial institutions clients, as well as with their regulators and external auditors.  She is an active participant in state banking associations and professional associations.

Paul is a Managing Director and leads New Jersey Banking & Financial Services. He has over 32 years of experience in auditing, financial reporting and private equity investments, including 18 years with a Big 4 public accounting firm. Paul leads internal audit, quality control and compliance services for the firm’s banking and financial institution clients in the Northeast Region. In addition, he manages professional development for the firm’s banking professionals. Paul has extensive experience in auditing financial services companies, including savings and loans, commercial banks, consumer finance companies, credit unions, and trusts. 

As Managing Director of IT Risk and Compliance Services, Michael Barrack provides IT security and risk and compliance consulting services for community financial institution clients across the United States. With more than 25 years of serving community Banks in Southern California, Michael brings a keen understanding of how our clients use technology to support the business, and what the regulators expect of Banks and Credit Unions as it relates to IT- related compliance.

Having been the accountable Executive in IT regulatory examinations as both a banker and service provider to Banks and Credit Unions, he has the experience and insight to know how best to prepare for and respond to such exams, which the Risk and Compliance team has incorporated in its offerings and consulting services.

Previously, Barrack served as Chief Executive Officer at iPay Technologies, LLC, a Kentucky-based bill payment processing company where he led the company through a period of explosive growth, tripling revenue and increasing profitability and the client base of community banks and credit unions substantially. A veteran to the banking industry, Barrack has led technology and compliance efforts at financial institutions over the course of his career including East West Bank, where he served as Director of Information Systems, and Community Bank, in which he led the Information Technology Group as Chief Information Officer.

Barrack resides in Henderson, Nevada and holds a Masters of Business Administration at University of California, Los Angeles. He received his undergraduate degree at Carleton College, graduating Magna Cum Laude.

Brian is the Executive Director of the Risk and Regulatory Advisory Services Practice and is the lead in the Upstate New York/New England Region.  He has over 16 years of internal audit, regulatory compliance, IT audit, external audit and consulting experience.  He has been working closely with Financial Institutions for the past 6 years and has extensive experience in performing Risk and Advisory Services for financial institutions of all sizes.  Brian is also very experienced in communicating with the appropriate management, C-Suite executives, and Board members, as well as communicating with Regulatory Examiners and auditors when needed, and is considered a trusted advisor to his clients.  ​

​Brian has vast experience in performing Internal Audit Risk Assessments and Audit Plans, Regulatory Compliance Risk Assessments, Operational Audits, Compliance Audits, Consulting Services, and other advisory services for financial institutions and has worked with these institutions to ensure appropriate actions are taken and issues are remediated.  Brian has vast experience in performing accounting and financial reporting and other financial related audits.

Fred is Managing Director and leader of Accume’s NY Region with over 35 years of experience in both Professional Services (Big 4 and Consulting) and Private Industry. He is a hands-on executive with a broad-based knowledge of entire banking operations who has successfully delivered small- and large-scale engagements while affecting positive change in the areas of internal control, operations and risk management, corporate governance, financial systems and reviews and reporting. His expertise includes building, restructuring and leading teams, nurturing internal and external relationships and addressing challenging issues. In his role, Fred is responsible for overseeing all Accume client relationships in NY and meeting regularly with the Board of Directors, Audit Committees, Audit Committee Chair and executive management.

Nicole is a Managing Director of our Mid-Atlantic Region and has over 25 years of diversified internal audit experience with a focus on the financial services industry. She has extensive experience managing internal audit and overseeing internal audit plans, internal audit programs and audit workpapers.  Nicole’s internal audit experience in banking includes all aspects of retail operations, lending, finance and accounting, compliance auditing, performing audit risk assessments and developing audit programs. She also assists clients with preparation for compliance with the Sarbanes-Oxley Act of 2002 and their ongoing SOX testing and reporting.​

In her role as Managing Director, Nicole is responsible for overseeing all Accume client relationships in Pennsylvania, Maryland, Virginia, West Virginia, Delaware and the District of Columbia. In this capacity, she meets regularly with the Board of Directors, Audit Committees, Audit Committee Chair and executive management of financial institutions clients, as well as with their regulators and external auditors.  She is an active participant in state banking associations and professional associations.

Paul is a Managing Director and leads New Jersey Banking & Financial Services. He has over 32 years of experience in auditing, financial reporting and private equity investments, including 18 years with a Big 4 public accounting firm. Paul leads internal audit, quality control and compliance services for the firm’s banking and financial institution clients in the Northeast Region. In addition, he manages professional development for the firm’s banking professionals. Paul has extensive experience in auditing financial services companies, including savings and loans, commercial banks, consumer finance companies, credit unions, and trusts. 

Mark has over 30 years of internal auditing and financial management experience in financial services industries. He has an in-depth knowledge of insurance company and agency operations and the challenges that they face. Mark has wide-ranging experience directing internal audit activities, including engagement management, developing risk-based audit plans, budgeting, Audit Committee reporting, and C-Suite consulting. He has extensive experience managing Sarbanes-Oxley compliance activities for various companies, including insurance, manufacturing and other commercial businesses and has assisted many organizations in maintaining efficient, cost-effective programs. Mark’s experience also includes directing due diligence assessments, mock market conduct exams, fraud investigations, MGA and TPA audits and operations/procedural evaluations.

In addition to the leadership role in our insurance, commercial and educational practices, Mark serves as the engagement leader for Accume’s largest clients. In this role, he is embedded in the organizations and plays a critical role in the achievement of the organization’s’ audit and SOX compliance objectives. In addition, he directs the activities conducted by an integrated team of auditors.

Prior to Accume, Mark was Senior Finance Director for a leading national property and casualty insurance company where he was responsible for strategic and financial planning, budgeting, and expense management oversight of various business units.

Mark has also served in various management roles where he directed teams of auditors responsible for audits of home office functions and regional insurance operations. In another role, he developed and directed an underwriting quality review program of a $2 billion commercial insurance business.

Mark began his career as Audit Officer for a California banking subsidiary of one of Japan’s leading financial institutions.

Mark is a Certified Internal Auditor (CIA) and is a member of the Institute of Internal Auditors. He is a graduate of The College of Idaho (B.S., Accounting and Management).