John Kowalak is a Partner in the Consumer Finance Group of PricewaterhouseCoopers and has over 15 years of experience managing audit examinations and advisory projects at financial institutions, mortgage banking enterprises and finance companies. He has significant experience with accounting, valuation, and risk management activities surrounding credit risk, mortgage servicing rights, loan servicing and secondary marketing activities. He has recently worked with companies to help them navigate through the challenges of the credit crises, including regulatory examination responses, acquisitions of failed bank, risk management of loan portfolios, strategies to manage repurchase exposures and implementation of loss mitigation programs. John is a frequent contributor to PwC and external publications and speaks periodically at industry conferences and training sessions. John received a BS in Accounting from the University of Delaware. He is a member of the AICPA and a Certified Public Accountant in New York.
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Independent and authoritative analysis and perspective for every segment of the payments industry