Wade Francis

1989 - Present

Unicon Financial Services, Inc. was formed in 1989 by Mr. Francis, Berkman Hong, and Robert DeJong, all former national bank examiners.  Clients include community banks as well as some of the largest financial institutions in the country and overseas. 

Mr. Francis is responsible for: general consulting, regulatory analyses, policy development, investment advisory, public speaking, litigation support, expert witness, software development, mergers and acquisitions, and strategic planning.

Prior to becoming a consultant, Mr. Francis served as a National Bank Examiner for the Comptroller of the Currency.  His ten years with the OCC gave him a thorough knowledge of the regulatory process including that of the State Banking Department, the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the Federal Reserve Bank.

While at the OCC, Mr. Francis supervised a large portfolio of banks, including foreign agencies and branches, and those requiring special supervision.  He has served as Examiner in Charge (EIC) of the Commercial Real Estate, International and Workout Loan divisions of multinational Banks.  He has also lead examinations of many banks, including problem institutions, and served as EIC of the lending, funds management, capital markets, and broker/dealer departments of multi-national, regional and community banks.  He has also been a voting member for the regulator's Shared National Credit program.

Mr. Francis has served as an instructor for OCC and FFIEC schools, speaks frequently at industry schools and seminars, and, developed several computer based banking programs which are used throughout the United States.

Awards & Certifications:

  •         B.S./Business Administration - Berea College 1979
  •         U.S. Treasury Special Achievement Award - 1982 and 1988
  •         Comptroller of the Currency Commissioned National Bank Examiner - 1986
  •         BAI Certified Bank Compliance Officer - 1990

Professional Schools and Seminars:

Twenty-three schools and seminars addressing:  management, merchant banking, bank supervision, consumer affairs, trust, data processing, lending, international activities, and, funds management.

Contact Info:



Why Choose Unicon

We offer an independently managed, objective review, bringing a vast knowledge of regulations and connections to resources.