About the President and CEO

Security, Operations, and Risk Management Expert

Having first-hand experience in front-line banking as a Branch Manager at Idaho Bank and Trust, Michael Caldwell gained a vast knowledge of opportunities for potential crime.  He was able to put existing policies and procedures to the test while conducting day-to-day operations, lending, and managing branch staff.  Michael moved into Operations Management where he was able to write more clear and concise policies and procedures to assist in more efficient operations.  Mr. Caldwell was then promoted to Vice President/Audit Manager, where he conducted and administered operations audits, and prepared audit budgets.

Having gained such a vast knowledge of operations, Mr. Caldwell easily moved into bank security.  He was Security Director at Idaho Bank and Trust and then Regional Security Officer at Key Bank before becoming the Senior District Financial Crimes Investigator for Key Bank in Colorado.  Mr. Caldwell was responsible for crime prevention, employee interviews, implementing and conducting training, and investigating and reporting crimes.

Today, Mr. Caldwell uses his expertise in operations, crime prevention, personal safety, and violence in the workplace to provide Professional Services to banks, attorneys, and banking associations.  He is a Certified Protection Professional (CPP) and a Certified Fraud Examiner (CFE) and holds several professional memberships. 

He has taught hundreds of bank security classes and is an instructor at the Center for Financial Training.  He has given presentations at the Federal Financial Institutions Examination Council, International Association of Clerks, Recorders, Election Officials and Treasurers (IACREOT), Rocky Mountain Payroll Conference, Independent Bankers Association in Columbus, Ohio, and Wyoming Bankers Association. He has also presented for various Webinars. He has conducted hundreds of interviews for internal and external fraud, code of ethics issues, and prohibited conduct issues.

Education and Certifications

• Certified Fraud Examiner (CFE)
• Certified Protection Specialist (CPP)
• Standard Certificate, American Institute of Banking
• Audit Certification, Bank Administration Institute, University of Wisconsin
• Reid Interview & Interrogation Graduate, Regular & Advanced Seminars
• B.A. from Idaho State University

Professional Memberships & Organizations

• Certified Fraud Examiners Association, CFE certification
• American Society for Industrial Security, CPP certification
• Infragard, Board Member
• Colorado Association of Robbery Investigators (CARI)
• Colorado Fraud Investigators Association
• Denver-Metro Fraud Task Force
• College of Denver, Advisory Board Member
• Boy Scouts of America: Eagle Scout and Former Scoutmaster

• Responded to over 100 bank robberies.
• Conducted risk analysis by developing risk models with cost, exposure, and risk assessments.
• Conducted over 900 security training sessions.
• Testified in federal, state, and local courts as an expert witness.
• Developed and implemented disaster recovery plans.
• Presented at the FDIC Financial Crimes Seminar.
• Worked with attorneys as an expert bank witness.