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Rae-Ann Miller began her career with the �౦��Ϸ���� in 1989 as a safety and soundness examiner in New Jersey, and in 1994, was promoted to a trust specialist in Delaware. Ms. Miller transferred to �౦��Ϸ���� headquarters in Washington, D.C. in 1996 as Special Assistant to the Chief Operating Officer. In 1998, she was promoted to Manager, Risk Management and Applications Branch and in 2000 to Assistant Director, Applications and Supervision Branch. As Assistant Director, Ms. Miller managed the Washington Office’s programs for problem banks, enforcement actions, applications, and fraud and anti-money laundering. In 2002, Ms. Miller moved to the Division of Insurance and Research as Associate Director, Regional Operations. In this capacity, she managed the �౦��Ϸ����’s regional and local banking and economic analysis and publication processes. Ms. Miller currently serves as Special Advisor, working primarily on issues related to the underserved and lower income consumers, alternative financial services, and consumer protection.