Clayton Ross Bratton, CFE
Over a 15-year career at Wells Fargo, Bank of America, and Fulton Bank, Clay advanced from frontline fraud investigator to AVP-level roles spanning Financial Crimes, Internal Control Testing, and Risk Management — leading complex fraud investigations across debit card, ACH, wire, and online banking channels, and designing enterprise-wide risk programs supporting federal consent orders and regulatory remediation.
He holds the Certified Fraud Examiner (CFE) credential and a double major Bachelor's degree in Business Administration & General Business from Limestone University (cum laude). He is also Lean Six Sigma certified — the same evidence-based discipline banks use to find and close control gaps. Clay applies it to your situation: pinpointing where you are exposed, weighing how likely each risk is, and fixing the ones that matter most. Not guesswork.
Clay founded Cover Your Assets Consulting, LLC out of a genuine passion for protecting everyday consumers from fraud and financial exploitation. That passion has a face. Early in his career, he had to tell a grandmother that the person she had trusted — someone who convinced her to hand over access to her computer — had wired $88,000 out of her accounts, and the bank had no recourse. No reversal. Gone. That moment never left him.
“Most people only think about fraud protection after something goes wrong — after the money is gone, after the account is compromised, after the damage is done. But by the time you're on hold with the fraud department, you've already lost. My mission is simple: get to my clients before the criminals do. Protection built before a loss occurs is worth a thousand phone calls made after one.”
— Clay Bratton, CFE · Founder