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Michael Carroll, CPA has extensive experience in internal audit and risk management. Michael started their career at Deloitte as an Audit Senior from 2008 to 2010. Michael then joined Anthem, Inc. as a SOX & Internal Control Senior from 2011 to 2014. After that, they worked at FBR as a Senior Auditor in 2014 and later became the Director of Internal Audit from 2015 to 2015. Michael then joined Apple Federal Credit Union as the Director of Internal Audit from 2016 to 2017, before being promoted to Associate Vice President and later Vice President of Internal Audit. In their current role, they oversee internal audit and enterprise risk management programs, manages internal audit and ERM departments, develops operational and compliance policies, liaisons with external auditors and regulatory examiners, and has played a key role in developing the company's ERM program. Michael has also developed internal software to track employee access to systems, sites, and applications.

Michael Carroll, CPA, earned a Bachelor of Science (B.S.) degree in Accounting from Villanova University, where they studied from 2004 to 2008. In addition to their undergraduate education, they obtained various certifications throughout their career. These include being a Certified Public Accountant (CPA) in the state of New York since December 2010 and receiving the Chartered Global Management Accountant (CGMA) designation from the AICPA in February 2014. Michael further expanded their expertise by obtaining the Certified Credit Union Internal Auditor (CCUIA) certification from the Credit Union National Association in October 2017 and becoming a NAFCU Certified Compliance Officer (NCCO) through the National Association of Federal Credit Unions in March 2016. Additionally, they achieved the Credit Union Enterprise Risk Management Expert (CUERME) certification from the Credit Union National Association in October 2021. Most recently, in August 2023, they became a NAFCU Certified Bank Secrecy Officer from the National Association of Federally-Insured Credit Unions.