About Us 

Cynthia A. Dopjera, CPA

Subject Matter Expert (SME)

Ms. Dopjera has 38 years of experience focused on accounting and regulatory reporting for financial institutions.  During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include the areas of accounting, internal audit, Call Report preparation and review while working for small community banks as well as large regional banks.

Ms. Dopjera is certified as a public accountant (CPA).  In 2000, she joined the public accounting firm of Harper & Pearson Company, P.C., where she served as Practice Leader for the Firm’s financial institutions practice.  Her responsibilities included providing professional services to community banking and savings organizations, as well as large, publicly traded, regional institutions.  The Firm’s services included financial statement audit, accounting, tax preparation and filing, internal control audit, Call Report audit, regulatory compliance, loan and asset quality review, model validations, interest rate risk assessments, and design and implementation of internal controls over financial reporting frameworks for institutions regulated under FDICIA and Sarbanes-Oxley.  In 2018, Ms. Dopjera retired from Harper & Pearson Company, and currently provides accounting, consulting, and training services to financial institutions.

Anne M. Rosa, CPA

CFO/Financial Reporting Lead

Anne Rosa is the Chief Financial Officer (CFO) for 3PR.  As CFO for 3PR, Anne handles the management and oversight of all accounting, financial reporting, and tax matters.  Anne is a Certified Public Accountant (CPA) and offers a wealth of experience in consulting, tax planning, accounting systems assistance, and regulatory filing preparation and reporting.  In addition to working with 3PR, Anne has owned and operated a CPA practice for more than 31 years, providing tax, accounting, and consulting services.

Prior to joining 3PR, Anne served in positions such as CFO and CPA/Audit Manager for companies in the Buffalo, New York area.  In these positions, she handled a wide range of responsibilities, including the management and oversight of all accounting, financial, tax, HR, and IT matters.  She has performed and managed audits of privately and publicly held companies, and prepared and managed filings of IPO prospectuses and annual/quarterly SEC filings.

Dwayne J. Kolly

Subject Matter Expert (SME)

Born and raised in west Texas, Dwayne Kolly is a veteran banker who started his banking career as a general ledger bookkeeper in Abilene in 1985. He has served Texas community banks as a cashier, chief operating officer, chief financial officer in Uvalde, Laredo, San Antonio, and Austin. He has been a board secretary and director and capped his banking career as CEO of Business Bank of Texas in Austin. He is a 1993 graduate of the Southwestern Graduate School of Banking at SMU.

Since the beginning of his career, Dwayne has been involved with the call report, either as a preparer, reviewer, or supervising its preparation. His experience in the many dimensions of bank finance, operations, systems and accounting give him a keen insight into rules and requirements of regulatory reporting.

Harold F. Johnson

Subject Matter Expert (SME)

Harold Johnson has over 41 years of experience as a Chief Financial Officer for several community and regional banks in the greater Houston, Texas metropolitan area. As CFO, Harold was responsible for managing the bank’s accounting, investment, information technology, and regulatory reporting departments. In this role, Harold was responsible for the supervision and quality control of the bank’s Call Report functions. Harold is highly familiar with rules and regulations pertaining to national banks, state banks, and state savings banks. He served as the liaison between the banks and the various regulatory authorities as well as the external auditors.

Harold holds a BS in Business Technology from the University of Houston-Central Campus. He is also a graduate of the Texas Tech University Advanced School of Banking.

Lori Victory, CRCM, CAMS, CFSA


Lori Victory has more than 18 years of professional experience focused on all aspects of financial institution regulatory compliance functions.  She has experience with lending, deposit, Bank Secrecy Act (BSA), and fair lending laws and regulations as well as developing, reviewing, monitoring, and managing bank compliance programs. Lori is also experienced in internal audits, fiduciary controls, SOX, and FDICIA.

Prior to joining 3PR, Ms. Victory served as a bank consultant for BKD National Financial Services Group, Harper & Pearson Company, P.C., and Sheshunoff Consulting + Solutions.  She began her career at a community bank in Texas serving roles as a branch manager and Assistant Vice President in the Internal Audit department.

Ms. Victory received the Certified Regulatory Compliance Manager (CRCM) designation from the Institute of Certified Bankers in October 2011, the Certified Anti-Money Laundering Specialist (CAMS) designation from the Association of Certified Anti-Money Laundering Specialists in April 2014 and the Certified Financial Services Auditor (CFSA) designation from The Institute of Internal Auditors in October 2017.

She is a graduate of Sam Houston State University, Huntsville, Texas, with a B.B.A. degree in General Business, and a graduate of University of Houston, Clear Lake, Texas, with a M.B.A. degree in Business Administration.

Lauren M. Sparks, CRCM, CAMS, AAP


Lauren Sparks is a Certified Regulatory Compliance Manager (CRCM) with 30+ years in community banking. Currently she is the Chief Executive Officer of 3PR, Inc. 3PR specializes in Risk Management, including Regulatory Compliance, BSA/AML Compliance, and Internal Control Audits.  The goal at 3PR is to assist clients, both bank and non-bank financial institutions, in developing a sound and sustainable risk management program.