Richard Bowen

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February 5, 2015 By Richard Bowen

Why Is Our Government in the Mortgage Business?

We sure don’t want to be, but it looks like we are heading in that direction. “In the name of affordable loans, the White House is creating the conditions for a replay of the housing disaster,” states the caption in a recent WSJ article on the “coming mortgage meltdown.” [tweetthis twitter_handles=”@richardmbowen”]Why are we – oh,… [Read More]

Tagged With: 2008 meltdown, Fannie Mae, Freddie Mac, mortgage crisis

January 29, 2015 By Richard Bowen

Whistleblowing for Dummies

In the last several months I’ve been posting my opinions about the Department of Justice, former Attorney General Eric Holder and numerous other thoughts about whistleblowing and the 2008 financial debacle; as well as my concerns that Citi and the Too Big To Fail Banks are now heading in the same direction that landed us… [Read More]

Tagged With: whistle blowing, whistleblowing

January 22, 2015 By Richard Bowen

Ethical Leadership- Culture is the Culprit!

Typewriter with the word "Leadership" typed on an otherwise white page

People act in their own best interests; not necessarily because they believe they are doing the right thing or because they may be punished or rewarded for doing so. And if a company wants to promote and assure ethical standards are followed then transparency, trust and developing an ethical culture based on guiding principles is… [Read More]

Tagged With: ethical leadership, Ethics, Leadership, Richard Bowen

January 15, 2015 By Richard Bowen

Is Citi the next AIG… ?

An interesting and disturbing piece of news just came across my radar. The Office of the Currency Comptroller’s most recent report of the total amount of derivatives held at the Big 4 banks shows that Citibank has surpassed JP Morgan, Goldman Sachs and Bank of America with $70 trillion in holdings, making it the single… [Read More]

January 8, 2015 By Richard Bowen

Who Owns Congress?

The recent efforts from Citi and the banking establishment to repeal key provisions of the Dodd- Frank reform bill and the furor it is causing may have some positive effect. The public is getting more insight into how the Too Big To Fail banks are writing the rules. According to Scott Burns, Dallas Morning news… [Read More]

December 31, 2014 By Richard Bowen

How Wall Street Foils Truth, Trust, Transparency and Democracy

Headlines recently focused on Citigroup and its blatant power over government with the inclusion of a Citi-written provision in year-end funding legislation that guts part of Dodd-Frank’s restrictions on banking. 

It seems that while we were paying attention to, as Senator Elizabeth Warren (D-Mass.) labeled it, Wall Street institutions’ extraordinary influence in Washington’s corridors of… [Read More]

Tagged With: Congress, FOIA, Freedom of Information Act, Wall Street, Washington influence

December 23, 2014 By Richard Bowen

Whistle blowing on the rise!

A recent Wall Street Journal article announced new winners benefiting from the last financial crisis- whistle blowers!   Four whistleblowers will be receiving more than $170 million for helping investigators obtain a $16.6 billion penalty against Bank of America for inflating the value of its mortgage practices. According to Richard Moberly, law professor at the University… [Read More]

Tagged With: Richard Bowen, whistle blowers, whistle blowing

December 18, 2014 By Richard Bowen

Senator Warren: Enough is Enough with “Too Big To Fail” Citigroup

Kudos to Massachusetts Senator Elizabeth Warren for ripping Citigroup apart last week in her challenge to Congress and exposing Wall Street’s continued unethical activities.  Senator Warren vehemently objected to a little-known provision written by Citigroup and inserted in the year end funding bill that would undo a new financial regulation and allow Wall Street to… [Read More]

Tagged With: #2008, #2big2fail, Citigroup, Dodd-Frank, Financial Crisis, Senator Warren

December 11, 2014 By Richard Bowen

Penn Mutual’s Guiding Principles: a First Step Toward Fraud Prevention

Some companies are getting it right. Recently, I was hired by Penn Mutual, one of the oldest values-driven companies in America.  At this event, under the direction of Chairman, President & CEO Eileen McDonnell, Penn Mutual’s leadership team introduced the firm’s guiding principles with a straightforward message: Penn Mutual is committed to maintaining a culture which… [Read More]

Tagged With: company culture, Ethics, guiding principles, Leadership, Penn Mutual, Richard Bowen, whistleblowing

December 1, 2014 By Richard Bowen

The Kellogg Case Study Award on Anti-Corruption and Inspiration

In my recent post on ethical and responsible leadership, I mentioned  the international  award for the  Outstanding Case Study on Anti-Corruption, given by the United Nations Compact Principles for Responsible Management Education (PRME) and Giving Voice to Values (GVV) and presented at the North American Case Research Association (NACRA) conference: Through the Eyes of a Whistle-Blower:… [Read More]

Tagged With: Kellogg Case Study, Kellogg School of Management, Richard Bowen, WhistleBlower, whistleblowing

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What People Are Saying About Richard M. Bowen

William D. Cohan"Richard Bowen is one of my heroes. His is a story of human fortitude at its best and Wall Street at its worst."

~ William D. Cohan, NY Times Best Selling Author
2017-06-30T10:08:59-05:00
"Richard Bowen is one of my heroes. His is a story of human fortitude at its best and Wall Street at its worst." ~ William D. Cohan, NY Times Best Selling Author
https://richardmbowen.com/testimonials/2556/

Eileen McDonnell"Richard Bowen reinforced my motto that "there is no right way to do a wrong thing.” Long after his presentation, the conversation has continued about personal responsibility and the courage to challenge things that appear to be wrong. We encourage this dialog and rely on it to help make our business stronger."

~ Eileen McDonnell, Chairman, CEO, & President, Penn Mutual
2015-02-13T19:51:19-06:00
"Richard Bowen reinforced my motto that "there is no right way to do a wrong thing.” Long after his presentation, the conversation has continued about personal responsibility and the courage to challenge things that appear to be wrong. We encourage this dialog and rely on it to help make our business stronger." ~ Eileen McDonnell, Chairman, CEO, & President, Penn Mutual
https://richardmbowen.com/testimonials/711/

Ben Stein"Richard Bowen, you are a star and a hero."

~ Ben Stein, Economist and Political Commentator
2015-02-13T19:50:26-06:00
"Richard Bowen, you are a star and a hero." ~ Ben Stein, Economist and Political Commentator
https://richardmbowen.com/testimonials/712/

Jim Farrell"Richard's speech at the April Financial Executives International dinner was informative, interesting, riveting, and fast moving.  The feedback from members was overwhelming positive, and Richard received one of the few standing ovations given by our membership."

~ Jim Farrell, Program Chairman, Dallas Chapter, Financial Executives International
2014-12-28T19:48:17-06:00
"Richard's speech at the April Financial Executives International dinner was informative, interesting, riveting, and fast moving.  The feedback from members was overwhelming positive, and Richard received one of the few standing ovations given by our membership." ~ Jim Farrell, Program Chairman, Dallas Chapter, Financial Executives International
https://richardmbowen.com/testimonials/532/

Dennis McCuistion"Richard Bowen has been there, done that, and has the scars to prove it, and his message of corruption at the highest levels of industry and government needs to be heard. I only wish that more bankers had the courage that Bowen exhibits. He is not only one of the most talented bankers I have ever met, he has more integrity than all the bankers on Wall Street put together. If his former employer had listened to him taxpayers would not have had to bail out Citi for the third time in the last 30 years."

~ Dennis McCuistion, Host of the McCuistion TV program
2014-12-28T19:48:06-06:00
"Richard Bowen has been there, done that, and has the scars to prove it, and his message of corruption at the highest levels of industry and government needs to be heard. I only wish that more bankers had the courage that Bowen exhibits. He is not only one of the most talented bankers I have ever met, he has more integrity than all the bankers on Wall Street put together. If his former employer had listened to him taxpayers would not have had to bail out Citi for the third time in the last 30 years." ~ Dennis McCuistion, Host of the McCuistion TV program
https://richardmbowen.com/testimonials/533/

Betty Garrett"Richard Bowen is a dynamic, entertaining speaker and story-teller - a CPA with a great personality!"

~ Betty Garrett, Garrett Speakers International
2014-12-28T19:47:50-06:00
"Richard Bowen is a dynamic, entertaining speaker and story-teller - a CPA with a great personality!" ~ Betty Garrett, Garrett Speakers International
https://richardmbowen.com/testimonials/531/

fred-timmons"I believe Richard Bowen is the only keynote speaker to ever receive a standing ovation from the Texas Society of CPA’s at any of its annual conferences."

~ Fred Timmons, Chairman of The Texas Society of CPA's
2014-12-28T19:47:22-06:00
"I believe Richard Bowen is the only keynote speaker to ever receive a standing ovation from the Texas Society of CPA’s at any of its annual conferences." ~ Fred Timmons, Chairman of The Texas Society of CPA's
https://richardmbowen.com/testimonials/530/

"The most emotional and impactful session was absolutely Richard Bowen and the Citi Mortgage case. I was somewhat aware of the challenges and hardships faced by whistleblowers. The HBR case and documentary on Sherry Hunt's experience provided a strong understanding of the case and overall situation. However, the nuance and emotion that Bowen brought in his lecture will be one of my lasting memories of the program. His unique perspective of the exhausting experience of constantly trying to do the right thing only to be stonewalled by his leadership, and later, the US government, highlights the challenges of doing the right thing, yet the importance of someone speaking up. Bowen made whistleblowing personal to us, and I will never forget his quote that if you see wrongdoing, you have two choices, "say something or get out." Taking a stand will have an enduring impact on your career and life regardless of the outcome. It certainly causes me to prioritize selecting the right corporate culture in my future organizations."

~ EMBA student review after Richard spoke to the class

2024-09-25T16:10:48-05:00
"The most emotional and impactful session was absolutely Richard Bowen and the Citi Mortgage case. I was somewhat aware of the challenges and hardships faced by whistleblowers. The HBR case and documentary on Sherry Hunt's experience provided a strong understanding of the case and overall situation. However, the nuance and emotion that Bowen brought in his lecture will be one of my lasting memories of the program. His unique perspective of the exhausting experience of constantly trying to do the right thing only to be stonewalled by his leadership, and later, the US government, highlights the challenges of doing the right thing, yet the importance of someone speaking up. Bowen made whistleblowing personal to us, and I will never forget his quote that if you see wrongdoing, you have two choices, "say something or get out." Taking a stand will have an enduring impact on your career and life regardless of the outcome. It certainly causes me to prioritize selecting the right corporate culture in my future organizations." ~ EMBA student review after Richard spoke to the class
https://richardmbowen.com/testimonials/4629/

Presentation Topics

Playing for High Stakes: The Principles and Practice of Ethical Leadership

Dark Citi: The Story of a Whistleblower

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Recent Posts

  • ‘The Men Who Stole the World’ is on Amazon Prime!
  • Speaking at The Institute of Internal Auditors, Northeast Ohio, Fraud Day
  • Honored to speak to two highly ranked MBA programs this summer
  • Speaking at the 23rd ACFE Annual Emerging Trends in Fraud Conference
  • I was honored to present the 2024 J. Craig Smith Business Ethics Lecture at the University of Alabama

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About Richard

Now an ethical leadership speaker, Richard Bowen was Citigroup's Business Chief Underwriter during the housing bubble.

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