Judy L. Farmer, CRCM, CAMS, CFE, CFSA, AAP


Judy L. Farmer

“When I stand before God at the end of my life, I would hope to have not a single bit of talent left, and could say, 'I used everything He gave me.’”


Since 2005 Judy has been gaining expertise in public accounting and internal auditing and banking. She provides financial services, including financial institution audits, covering regulatory compliance, BSA, ACH, internal and quality controls, fair lending and other areas of compliance. Judy has also acted as an instructor for ACH audit seminars.

When working with Judy, clients can expect more than the best possible service. Judy’s clients can count on a solid relationship strengthened by the guarantee she will always give 100 percent to not just the services she provides but the effort in building each relationship.

In her free time, Judy and her husband, Allan, are involved in local and state-wide ministry, annual international mission trips and the Dyess Adopt an Airman program. When they aren’t busy with ministry, together their interests include traveling, ballroom dancing and enjoying time with their three grown children and son-in-law. They are also passionate about World Vision, supporting nine children around the world.



  • Institute of Certified Bankers (ICB), Member
  • American Institute of CPAs (AICPA), Member
  • Institute of Internal Auditors (IIA), Member
  • Association of Certified Fraud Examiners (ACFE), Member
  • Financial Women in Texas, Past President of the Big Country Chapter


  • Certified Financial Services Auditor (CFSA)
  • Certified Fraud Examiner (CFE)
  • Certified Anti-Money Laundering Specialist (CAMS)
  • Certified Regulatory Compliance Manager (CRCM)
  • Accredited ACH Professional (AAP)


  • Associate of Arts in Business – Austin Community College, Austin, Texas
  • Internal Audit Certification Program – Cannon Financial Institute, Athens, Ga.


Client Work

  • Holds 18 years of experience in the insurance industry where she owned an independent insurance agency and worked in insurance association management for 10 years.
  • Holds 22 years of experience in the financial institution industry, having been employed in Bank Management, Audit and Compliance for a financial institution and Bank Holding Company for 10 years prior to entering public accounting.
  • Conducts fraud investigations in the private and non-profit industries, as a Certified Fraud Examiner.


Community Involvement

  • Hospice of the Big Country, Volunteer
  • Abilene Home Away From Home (Dyess Air Force Base Adopt an Airman Program), Coordinator
  • Hearts Fully Alive Ministry, Treasurer and Board Member
  • Abilene Chamber of Commerce Military Affairs Committee, Honorary Commander