If you are afraid to fail, you will never do the things you are capable of doing. John Wooden
With 14 years’ experience, including 10 with Herbein | FOS Risk Management, Mark Gallagher provides oversight of audit services to our financial institution clients with an emphasis on regulatory compliance, and internal audit and wealth management audit services.

Focused On

  • Lending Compliance
  • Regulation Z
  • HMDA
  • Regulation O
  • Data Analytics / Analysis
  • Wealth Management & Investment Services

Education & Certifications

  • Bloomsburg University – Bachelor of Science in Business Administration (Concentration in Fraud Examination)
  • Certified Regulatory Compliance Manager (CRCM)


  • Institute of Internal Auditors (IIA)