Who we are
We at Stone Bridge Advisory Group help community banks efficiently manage risk and meet regulatory expectations. Drawing on direct supervisory experience, we deliver independent loan reviews, gap assessments, and targeted evaluations of CECL models, interest rate risk management, treasury operations, AML/CFT programs, and credit risk frameworks. These assessments provide clear findings and practical recommendations that strengthen controls and support sound decision-making.
We provide fractional C-suite leadership, serving in interim roles as Chief Financial Officer, Information Technology Officer, Information Security Officer, and Chief Credit Officer. In these capacities we improve financial oversight, technology governance, security protocols, and credit administration to stabilize operations and address immediate priorities.
We also assist with strategic and capital planning, policy formation and enforcement, and treasury management advisory. We support institutions through enforcement actions by developing remediation strategies, implementing corrective measures, and preparing required progress reporting. We further help remediate audit and examination findings to restore compliance and build sustainable risk management practices.
Our approach is collaborative and tailored to each bank’s specific risk profile and operational needs. We integrate with client teams to deliver practical, regulator-informed solutions that reduce compliance burdens, improve examination outcomes, and enable banks to focus on serving their communities and pursuing growth.
Meet the Principal
Jonathan Hughes founded Stone Bridge Advisory Group in 2025 after more than a decade with the Federal Deposit Insurance Corporation. He began his career in the Division of Consumer Protection and later joined the Division of Risk Management Supervision, where he advanced to Senior Risk Examiner. His work focused on risk examinations and regulatory oversight of financial institutions of varying sizes, including assignments supporting the Large Bank Division.
Mr. Hughes led numerous examinations as examiner-in-charge, with particular emphasis on complex and troubled institutions. His assessments covered management, asset quality, earnings, capital, liquidity, and market risk, along with information technology and AML/CFT reviews. He directed fraud, accounting, and operational investigations and contributed to horizontal reviews of interest rate risk management and other supervisory initiatives. He also managed examination teams across multiple states and collaborated with other federal and state regulators.
Mr. Hughes served on the FDIC’s Technical Evaluation Committee and mentored pre-commissioned examiners on examination practices and governance. He holds a Master of Business Administration from the University of Central Oklahoma and is a Certified Fraud Examiner.