TIM L. HARVEY, CFA, CPA
Harvey Financial Management Company, LLC: Owner and Lead Consultant (1999 - present)
Registered Investment Advisor providing wealth management and retirement planning services for individuals, trusts, and estates. Fee-only (not commission) management of retirement, investment, and other financial accounts. Fiduciary acting in the best interest of clients. Low-cost, buy-and-hold portfolios tailored to each client's tax situation, societal values, risk tolerance, and time horizon. Construction of widely diversified portfolios across multiple asset classes, industries, and geographies.
Institutional Risk Analysis
Providing Capital Markets and Financial Analysis services to banks and their regulators since 1999. The company performed over 100 consulting engagements in institutions ranging from the smallest community banks up to and including the largest banks in the United States, as well as foreign subsidiaries. Consulting engagements included financial model validations and analysis of investments, derivatives, risk management, foreign exchange, credit risk, and market risk.
Montana State University
Associate Dean (2019 - 2020)
Oversaw curriculum for the college and chaired the Curriculum Committee. Served on Leadership Committee. Oversaw student relations and conduct, faculty relations, committee assignments, professional development, faculty communications, and accreditation. Spearheaded new initiatives while overseeing many aspects of the overall administration of the college.
Community Banking Program (2017 - present)
Devnumerous banks in Montana and provides summer internships, an intense "Boot Camp" for trainees, curriculum development targeted at community banking, a nationwide case competition, and prominent guest speakers.
Instructor, Finance and Accounting (2014 - present)
Created and taught Advanced Financial Statement Analysis (BFIN/ACTG 441) and Commercial Bank Management (BFIN 458) courses. Taught Business Finance (BFIN 322), International Finance (BFIN 452), and Senior Capstone: Strategy (BGEN 499).
2021 MSU Award for Excellence. Chosen as the faculty/staff awardee by the Finance student Award of Excellence winner.
2019 Scott and Barbara Heck Faculty Scholar Award.
2018 MSU Award of Excellence. Chosen as the faculty co-awardee by both the Finance and Accounting student Award of Excellence winners.
2017 JJCBE Code of Excellence Award.
2016 Excellence in Teaching Award. Voted by graduating seniors as the business school's most effective faculty member and mentor.
Vice President and Director of Asset/Liability Analytics (1998 - 1999)
Asset/Liability Manager and deputy treasurer of a $20 billion commercial bank. Responsible for oversight and analysis of a $10 billion derivatives portfolio and $3 billion investment portfolio. Managed team of six analysts. Responsible for hedging and funding analysis, interest rate risk simulations, ALCO committee reporting, derivative and investment analysis, and funds transfer pricing.
Manager, Quantitative Analytics (1998)
Managed "middle-office" department focusing on trading desk analysis of complex investments and derivatives. Implemented a state-of-the-art derivatives pricing and simulation model. Implementation included designing data extracts from multiple IT systems and integrating real-time interfaces with external systems such as Intex, Bloomberg, and Telerate, as well as integration of swap curves, interest rate curves, and implied volatilities.
Interest Rate Risk Analytics Officer (1998)
Managed and monitored the bank's interest rate risk position. Ran simulations of net interest income, economic value of equity, duration, and re-pricing gap. Prepared shareholder, board, ALCO, and management reports.
Office of the Comptroller of the Currency
Field Office Analyst (1997 - 1998)
Supervisory Analyst over a team of 17 examiners and 53 banks. Reviewed and approved all examination conclusions and Reports of Examination before issuance to ensure accuracy and regulatory consistency. Performed the duties of the Assistant Deputy Comptroller in his absence. As a member of the OCC Capital Markets program, analyzed capital markets activities of banks throughout the United States. Spoke on Capital Markets topics at various banking conferences. Taught Capital Markets classes to OCC staff.
National Bank Examiner (1989-1997)
Examined all areas of national banks for financial soundness and regulatory compliance, both as a field examiner and Examiner-in-Charge. As a capital markets specialist, assessed market risk, price risk, and liquidity risk in banks of all sizes and levels of sophistication.
U.S. Army Reserve
Headquarters Company Commander. Rank: Captain. (1982-1994)
Commanding Officer of Headquarters Company for a combined Field Artillery/Combat Engineers Brigade. Prior positions included Personnel Management Officer, Exercise Evaluator/Controller, Finance Officer, and several enlisted positions.
EDUCATION, LICENSES, AND CERTIFICATIONS
Chartered Financial Analyst (CFA).
Certified Public Accountant (CPA). Montana CPA License #11554
M.S., Accounting, University of Colorado, Denver.
B.S., Finance, University of Colorado, Boulder.
Registered Investment Adviser Representative, State of Montana.
Commissioned National Bank Examiner (NBE).
PAST AND PRESENT MEMBERSHIPS AND OTHER AFFILIATIONS
Board of Directors, American Bank, Bozeman, Montana. (2019 - present)
Board of Directors and Treasurer, Thrive (2013 - 2016)
CFA Institute (formerly the Association for Investment Management and Research). (1996 - present)
CFA Society Spokane. (2018 - present)
CFA Program Curriculum Volunteer. (1999 - 2018)
Denver Society of Securities Analysts (1993-2004)