Key takeaways
Host: Irena Gecas-McCarthy, principal, Deloitte & Touche LLP
Presenters: Timothy Cercelle, managing director, Deloitte & Touche LLP
Maria Gattuso, principal, Deloitte & Touche LLP
Richard Rosenthal, principal, Deloitte & Touche LLP
Joshua E. Uhl, managing director, Deloitte & Touche LLP
1.0 Overview CPE credit | Specialized Knowledge
Navigating the regulatory environment in 2025? Join us as we cover how business, consumer, and technology developments will likely affect the financial services industry in the United States; regulations governing its key activities; and steps organizations can take in response. We’ll discuss:
- Sector-specific regulatory outlooks, including banking, capital markets, investment management, and insurance
- The US election’s impact on financial services policy
- Legislation and proposed and final regulations affecting US financial services organizations
- The impact of legislation and regulation on the performance of functions of financial services organizations
Meet the speakers
Irena Gecas-McCarthy
Irena is a principal in Deloitte & Touche LLP’s US Banking and Securities Regulatory practice with experience in providing clients assistance with regulatory, governance, compliance, risk management, and operational controls issues. She leads many of Deloitte’s large-scale, multiyear implementation, transformation, and remediation projects in the areas of governance, risk management, compliance, and bank operating models. Irena also serves as the leader of the US Financial Services Industry Center for Regulatory Strategy, administering Deloitte’s eminence, points of view, and tracking of regulatory developments. Prior to Deloitte, she worked as a commissioned senior examiner and relationship manager for the Federal Reserve Bank of New York.
Timothy F Cercelle
Tim is a former insurance executive and a member of Deloitte’s Insurance Industry Executive Leadership team while also leading the Regulatory, Risk, and Forensics Practice. Tim’s efforts include assisting insurance companies with complex risk, regulatory, operational, and compliance issues. His practice specializes in the design; implementation; and assessment of compliance, risk, and legal operating models focused on predicting, preserving, and responding to risks as well as enhancing their overall efficiency and effectiveness through the use of technology and analytics. Tim has nearly 35 years of extensive insurance experience, which includes more than 15 years at Progressive Insurance Company where he served as chief compliance officer, focusing on the design, development, and implementation of its Compliance program. Tim is a CPA licensed in the state of Ohio and received a bachelor of business administration in accounting from John Carroll University as well as an Executive MBA from Stanford.
Maria Gattuso
Maria leads Deloitte’s Regulatory Remediation practice for financial services and has more than 25 years of experience in financial services. Maria focuses on regulatory and compliance matters for Deloitte’s investment management and wealth clients, including in connection with regulatory investigations on a multitude of issues such as sales practices, conflicts of interest, and fee billing practices. Representative engagements include large-scale remediation projects involving forensic and data analysis; calculating investor harm; rule implementation (including Reg BI, DOL, and the new rules applicable to mutual funds); risk assessments; and performing gap analyses against regulatory requirements and controls assessments, including in connection with SEC enforcement actions and deficiency letters and FINRA investigations. She also has assisted clients with assessing legal and compliance departments for efficiencies and modernization, impact analyses of structuring alternatives around different operating models, mock exams, and regulatory analytics. In her prior role as outside counsel, she has gained significant experience in federal securities laws, including advising on the creation and operation of open-end and closed-end funds, ETFs, business development companies, hedge funds, and managed account platforms as well as on transactional matters such as fund mergers, fund adoptions, and adviser acquisitions. She has advised clients on a broad range of topics, including with respect to regulatory, compliance, and fund governance matters. Additionally, Maria is a former M&A attorney. Prior to joining Deloitte, Ms. Gattuso was most recently a partner at Willkie Farr & Gallagher LLP. Prior to that, she was a partner at Shearman & Sterling LLP.
Richard Rosenthal
Richard is a principal in Deloitte’s Risk & Financial Advisory practice. He leads complex and transformative projects, assisting banking and fintech clients in setting up new entities, enabling M&A activity, aligning to regulatory requirements, launching new products, and helping address a broad range of regulatory and risk areas to enter and meet expectations of the US banking system. Richard leads Deloitte’s Business and Entity Transformation integrated services, Banking for the Deloitte Center for Regulatory Strategy and Deloitte’s Digital Assets Banking Regulatory practice.
Joshua E. Uhl
Joshua is a managing director in Deloitte’s financial services practice with more than 15 years of experience and specializes in advising broker-dealers and registered investment advisors on regulatory and business operations topics. Including sales practices, advisory services, supervision, trading, technology and operational organizational structures.
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