About Us 

Andrea S. Lambert

Subject Matter Expert (SME)

Ms. Lambert has over 20 years of banking experience with a broad range of financial and operational skills.  She began her banking career as a part-time teller and bookkeeper as she completed her BS in finance from Illinois State University.  In 2005, she started a seven-year career with The Office of the Comptroller of the Currency as an Associate National Bank Examiner, becoming familiar with rules and regulations, best practices, and success strategies as they relate to the call report process and the banking industry as a whole.  In 2012, Andrea filled the Cashier position at a local community bank.  During the ten years she worked there, she was responsible for ensuring the accuracy of various operational components of the bank, with a focus on call report preparation.


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.

Karen J. Hall

Subject Matter Expert (SME)


Karen Hall has over thirty years of experience focused on accounting and regulatory reporting for financial institutions.  During her career, Ms. Hall held the positions of Chief Financial Officer and Controller with responsibility across all operational areas, including the areas of accounting, SEC reporting, Call Report preparation and review while working for small community banks. She received a BA in Accounting from the Pace University in 1980. In 2005, she was part of a group of organizers that started a de-novo bank in the State of New Jersey.  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


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.