Terry L. Stroud
Email: TLStroud@opportunity-group.com
Website: www.opportunity-group.com 
2140 E. Southlake Blvd., Suite L-707
Southlake, Texas 77609
US Mobile: (972) 467-4151


Career Summary - Key Qualifications

  • Financial professional with over 35 years’ experience as a banker, regulator, and consultant in domestic and international financial markets.
  • Over 15 years’ experience in modernizing and strengthening international commercial banking markets in the following countries: 
    • Russia, Ukraine, Georgia, Kazakhstan, Azerbaijan, Moldova, Poland, Uzbekistan, Tajikistan, Kyrgyzstan, Albania, Egypt, and Belize
  • Experienced in evaluating, managing and restructuring commercial banks, non-bank financial institutions, and other distressed businesses.
  • Financial advisor to business leaders and government officials on corporate governance practices, including committee structures, risk management programs, business plans, budgets, and management information systems.
  • Experienced expert witness involving banking fraud in both US federal and state courts.
  • MBA in finance and banking.


Representative Accomplishments 

  • As the CEO of Opportunity Group, provided litigation support as an expert witness on cases involving banking operations, loan underwriting including credit and collateral criteria, asset evaluations and classifications, mortgage and credit card fraud, regulatory enforcement actions, conflicts of interest, and mortgage operations. These cases involve opining as an expert witness for both plaintiff and defense cases.
  • As the CEO of Opportunity Group, developed a comprehensive risk management program that focused on resolution strategies for troubled and insolvent banks in Eastern Europe. This World Bank program involved drafting regulations and instructions for identifying problem banks and subsequently designing and implementing a resolution strategy. The resolution process included a marketing plan, bidding instructions, procedures for qualifying potential investors to purchase a failed bank, asset evaluations, and development of a priority system for the settlement of depositors’ and other creditors’ claims.
  •  As a Partner of Stone Advisors, performed an extensive analysis of troubled U.S.-based financial institutions (from the FDIC’s problem bank list) during the banking crisis of 2008–2010. These efforts included:
          • raising capital as part of the management team that obtained a commitment of $500 million (from several major investor groups) to purchase a troubled financial institution.
          • completion and filing of all documents necessary to obtain pre-clearance from various federal banking regulators.
          • obtaining approval for a shelf-charter from a myriad of banking regulators including the Office of the Comptroller of the Currency, the Office of the Thrift Supervision, the Federal Deposit Insurance Company, and the Federal Reserve for the investor and management group to acquire a problem bank.
  • As the CEO of Opportunity Group, served as the team leader in performing the due diligence to acquire an existing commercial bank in Eastern Europe. During this period, the target bank was located, negotiations to purchase the bank were finalized, and the regulatory approval process was completed. Included in this assignment was the completion of an analysis of a new branch network, hiring and development of key staff, and installation of several new management information systems. The management information system included the selection of a new accounting and general ledger along with the development of the bank’s three year budget.
  • Spent 15 years successfully developing and managing several major commercial banking and banking supervision programs involving the modernization and strengthening of the commercial banking sector in the following countries: Russia, Ukraine, Georgia, Kazakhstan, Azerbaijan, Moldova, Uzbekistan, Tajikistan, Kyrgyzstan, Egypt, and Belize. These projects were financed by the United States Government and other international donor organizations including:
    • The World Bank,
    • International Monetary Fund,
    • European Bank for Reconstruction and Development, and
    • Inter-America Development Bank.

Each of the above noted programs was intended to assist the economies of these countries in their historic transition from a centrally planned structure to a market-based economy. The central elements of the reform strategies were to:

  • establish the financial reporting and accounting infrastructures for the emergence of a competitive banking system built on an efficient allocation of credit resources;
  • improve the legal infrastructure and financial reporting systems for financial sector activity;
  • design and implement a risk-based regulatory system for commercial banks; and
  • design and implement a strategy for privatizing state-owned banks.
    • One noteworthy accomplishment during one of these assignments was the resolution, including recapitalization, of a privately owned bank that held the deposits of the United States and Russian embassies and several ministries of the host government. The largest shareholder in the bank was a former U.S. Secretary of State.    
  • As the Managing Director of Bankworld, was selected from numerous candidates to lead a diagnostic evaluation of the banking supervision program at the Central Bank of Egypt at the request of the U.S. Government. This review was intended to determine the systemic risk in the banking system and a recommendation whether the U.S. Government should provide financial assistance to stabilize the banking sector. 
  • During my various international assignments, became accustomed to making invited presentations to senior members of various governments, including the host country’s parliament, senior managers of international donors, and executive managers of private financial groups. Served as an expert speaker on regulatory-financial solvency issues, accounting and financial reporting systems, fraud and conflicts of interest, and corporate governance issues for both government agencies and private-sector clients.
  • As a managing partner for Profit Partners, served as a Special Deputy Receiver for the State of Texas Department of Insurance in overseeing the liquidation of 7 insolvent/bankrupt insurance companies. Duties included the resolution of all claims filed by policyholders and unsecured creditors. Was also responsible and accountable to the courts for the governance of these insolvent entities, including the sale and management of a wide variety of assets, including stocks, bonds, mortgages, and other real estate holdings. I was responsible for the closing financial statements of these entities to a court-appointed Special Master.  
  • Served as a Senior Vice –President and Secretary to the Board of a U.S.-based commercial bank located in Texas. During this period, responsibilities included the bank’s corporate governance activities, risk management, and compliance requirements with the appropriate regulatory agencies. Responsibilities also included an initial evaluation of the bank’s troubled asset portfolio purchased from the Resolution Trust Corporation and coordination of all activities of the bank’s 10 branches. 
  • As a Senior Vice President of the Federal Home Loan Bank of Dallas and later the Office of Thrift Supervision, was responsible for the supervision of problem financial institutions with assets in excess of $1 billion. Supervised a staff that exceeded 85 professionals. Served as a “Conservator” for 13 undercapitalized/insolvent institutions, which involved working directly with the board of directors on all governance issues, including conflicts of interest and the resolution of thousands of distressed assets. Received several special “recognition awards and stipends” for outstanding service. 
  • Served as a troubled bank specialist for the OTS with full responsibility for designing rehabilitation plans for 30 troubled financial institutions with total assets in excess of $30 billion. Had final regulatory responsibility for all regulatory, policy, and operational decisions. Was promoted 5 times during an eight-year period.
  • During my time with the FHLB-Dallas, I had the opportunity to work on numerous special projects, including providing both written and oral testimony to representatives of the United States Congress, including both the House and Senate Banking Committees. These testimonies and meetings were intended to assist the federal government’s decision whether or not to provide additional funding of the Federal Savings and Loan Insurance Corporation.   
  • Began career with the Office of the Comptroller of the Currency which involved all aspects of regulating and supervising commercial banks including compliance and lending regulations and other specialized assignments. In a relatively short time was designated to work on problem banks and other special assignments, including investigations of suspicious activities.


Work Experience

Opportunity Group – CEO
Stone Advisors – Partner  
Bankworld – Managing Director
IBTCI – Senior Resident Advisor
KMPG-Barents Group – Senior Resident Advisor
Profit Partners, Inc. – Managing Director 
First Federal Saving Bank – Senior 
        Vice-President and Corporate Secretary
Federal Home Loan Bank – Dallas and the OTS 
Office of the Comptroller of the Currency            
2007 to Present
2009 to 2010
1999  to 2007
1997  to 1999
1995  to 1997
1992  to 1994
1984  to 1991
1981  to 1984  


Master of Business Administration,                             Stephen F. Austin State University
Finance and Banking                                                    Nacogdoches, Texas

Bachelor of Business Administration,                          Stephen F. Austin State University
Finance and Economics – (Honors Program)               Nacogdoches, Texas               

Professional Designations

National Bank Examiner
Federal Thrift Regulator
Certified Fraud Examiner
Real Estate Sales License