Kathy Moe Lonowski

WORK HISTORY

EDUCATION

ABOUT KATHY MOE LONOWSKI

Kathy Moe Lonowski recently retired as Regional Director of the Federal Deposit Insurance Corporation (FDIC) San Francisco Region. As a 38-year veteran, Kathy was directly responsible for the safety and soundness of insured deposits, evaluation of asset and liability management, lending, investment and corporate governance practices of 350 financial institutions in 11 Western States, plus the Pacific U.S. Territories. Leading in a regulated environment subject to economic fluctuations, while navigating complex interagency relations, provided a unique skill-set. Late 2023, she joined the Boards of Discover Financial Services, and its subsidiary, Discover Bank, where she serves on the Risk Oversight Commitee and Governance and Controls Commitee. Ms. Lonowski also serves on the Board of Pacific Coast Bancshares, and its subsidiary Pacific Coast Bankers Bank, where she is a member of the Asset-Liability Management Commitee. Areas of expertise include, but are not limited to: digital banking and payment services, real estate, commercial credit and investment markets, compliance and risk management, cyber security, anti-money laundering, information technology, vendor management, consumer protection, mergers and acquisitions, and de novo applications. Kathy is recognized for pioneering an Emerging Technology Committee to address the rapid pace of innovation and technological changes facing regulators and the financial industry. She led several transformational projects including a Chairman’s initiative on Supervision Modernization involving enhanced data utilization and technology to complete exams and improve off-sight risk monitoring. She served as executive sponsor for the Field Supervisor Management Council within the FDIC, which represents 83 offices across the country. Kathy is an advocate for building partnerships and understands the needs of low and moderate-income households. She served as Executive Sponsor for the Partnership of Working Women, an Employee Resource Group established in the FDIC’s San Francisco Region. Lonowski is a frequent speaker on banking and regulatory topics, risk management and consumer protection matters. She serves on the Board of Directors of the Pacific Bankers Management Institute - Banking School and is a graduate of the Graduate School of Banking at the University of Colorado. She holds a Bachelor of Science in Finance from the University of Nebraska, and a Certificate in Leadership and Management from the University of California at Berkeley.