Karen served nearly three decades with the Office of the Comptroller of the Currency. She held several senior executive positions, including Chief National Bank Examiner and Deputy Comptroller for Bank Supervision in both the Northeastern and Central districts. In these roles, Karen has worked on the development of policy and procedures for the OCC's supervision process and the development of regulations and interagency advisories. She has supervised a full range of banks -- from community to multinational -- and federal branches. She has been involved in all aspects of regulatory actions, and worked closely with boards of directors and executive management of troubled institutions. Karen also served for almost a decade as an international consultant for KPMG Consulting/BearingPoint and as an independent consultant. She worked with the central banks and regulators of China and several countries of the former Soviet Union. She provided advice and training on how to develop their banking systems and strengthen their bank supervision processes. Karen has served as an expert witness in several litigation cases while with the OCC and as a consultant. As Chief National Bank Examiner, she testified before congressional banking committees. During the 96th Congress, Karen served as a Legis Congressional Fellow with the Senate Banking Committee.