TurtleBay Advisory Services (TBAS), founded in 2011 by Joseph A. Rossi, is an advisory firm specializing in Business and Technology Transformation. Our team of Subject Matter Experts has extensive years of practical and relevant experience in operations, technology, accounting and risk management. Our history is one of managing large scale change for complex financial institutions while applying that expertise to small and mid-sized institutions. One part of TBAS is FSO Knowledge Xchange, which was acquired by TBAS in 2012 due to the fact that industry executives relied on the FSOkx Knowledge Center to improve their business and develop strategies to succeed in a dynamic and challenging economic and regulatory environment. Our combined value proposition is to recognize the value of high standards to create a cost-efficient strategy for our customers. That is how TBAS differentiates ourselves from our competitors.