612.719.6045

Tracy.Howard@StCroixTreasurySolutions.com

Tracy was originally hired as part of a consulting team that acted as The Network’s interim CFO. In that role she improved investment practices for our captive insurance company, addressed several audit issues, and provided much needed expertise in the areas of cash management and short-term investing. When I was hired as CFO, I recognized the need to continue the progress Tracy had made, and retained her to assist us.


Thanks to her efforts we have investment policies in place for several of our affiliates, and are much more informed about recent regulatory changes and government guarantee programs. Tracy has also encouraged us to focus attention on our banking relationships and improve our cash management and investment practices with her ideas and strategies. I feel fortunate to have her on my finance team.


Jan Saglio

CFO & Executive VP, Business Operations

The Housing Partnership Network

Boston, MA



Wilary Winn hired Tracy Howard in mid-April 2008 and she left our firm at the end of November 2008 as conditions in the financial services marketplace continued to deteriorate. The firm provides specialized financial advice to community banks, credit unions, and nonprofit financial intermediaries.


Tracy can undertake assignments that are relatively complex. For example, at Wilary Winn, she worked with clients to properly value and account for interest rate derivative contracts. She also developed and helped implement investment policies for clients to help them mitigate risk in response to recent changes in the financial marketplace.

Tracy writes well and communicates clearly. At Wilary Winn, she helped draft a report designed to fundamentally affect the community investment policy for a large quasi-state agency that provides guarantees on mortgages to low and moderate income borrowers. As part of a team, she also worked on a complex investment request to one of the largest private philanthropic foundations in the country.


Wilary Winn, LLC

Douglas M. Winn

President