Credit Unions Are Unique And So Is The Value We Provide Them

When Harold Antao formed Harold Antao & Company LLC in 2015, he envisioned it quickly becoming one of the leading credit union consulting firms in the nation. He felt this way not only because of his 28 years of experience working specifically with credit unions in the areas of audit, risk advisory, and compliance, but because of his desire to be that partner who could provide real value year-round – not just at review time.

Risk Advisory ServicesWhile there are companies out there that offer similar services, the kind of intimate relationship between credit unions and an external auditor like Harold Antao & Company LLC can’t be duplicated. We don’t simply focus on course-correcting our clients’ most critical issues, but we also offer a holistic approach to achieve compliance in every corner of the credit union.

Below are just a few of the services we provide:

  • Other Supervisory Committee Audits
  • BSA/CIP/OFAC Audits
  • Risk advisory services
  • Year-round consulting and training
  • Comprehensive reporting
  • An unrivaled client focus
  • And so much more…

Our vast technical regulatory knowledge and strong back office personnel allows us to work with credit unions all over the country while making each of them feel like they are our only client. Our growing client list includes credit unions in Texas, Oklahoma, Wyoming, Washington State, Mississippi, and California – just to name a few states.

Meet Our Team

Harold P. Antao

Harold P. Antao – President and CEO

Prior to starting his own company, Harold spent more than 19 years with RSM US, LLP. Prior to that, he was a senior auditor with Credit Union Resources, Inc (formerly Texas Credit Union League) for four years. In that time, he was responsible for growing/managing a credit union client portfolio that generated, at its peak, about $1.2 million in revenue for the firm. That revenue was directly related to Supervisory Committee Audits and risk advisory services.

In addition to Other Supervisory Committee Audit engagements, Harold has a thorough knowledge of the various credit union issues in accounting, lending, and operations. He also has an extensive background in aiding credit unions with internal audit solutions, particularly in the area of risk management. Harold played an integral part in the marketing and developing of the audit and consulting business while at RSM US LLP. He remains accessible to the client, not only throughout the engagement but long after the review has been completed.

Harold’s objective is to provide valuable risk advisory and consulting services to credit unions while adding his personal touch of “being there for the client.” He has streamlined the Supervisory Committee Audit and risk advisory services so that he minimizes any disruption to credit union staff while on-site, yet still provides a thorough and comprehensive review.

When not working, Harold enjoys spending time with his wife, Barbara, his children, and especially his grandchildren. He’s also an avid car enthusiast and loves to visit classic car shows during his time off.


Carol Sutton

Carol Sutton – Senior Auditor

Carol joined Harold Antao & Company LLC in July 2016 and brings with her more than 25 years of operational management and accounting experience with credit unions. Carol spent the previous nine years working for RSM US LLP providing risk advisory and auditing services to many credit unions across the country. Prior to that, Carol was a Chief Financial Officer at a credit union in El Paso, Texas.

Carol’s strengths include a comprehensive knowledge of accounting and auditing principles and strong organizational skills. She is committed to each client and values the many relationships she has developed over the years. Her expertise in the internal workings of the credit union allows her to identify internal control weaknesses and recommend more effective and efficient workflow processes.

In her spare time, Carol loves spending time with her fiancé, Clint, and her two grandchildren. Carol and Clint, a commercial pilot, enjoy flying their private planes on the weekends looking for adventure and getaways.


Barbara Antao – Chief Operations Officer

Barbara manages our administrative team plus oversees the Verification of Member Accounts, BSA/CIP/OFAC Audits, vendor relationships, and all the behind-the-scenes details that encompass our business. Barbara had 28 years of business experience working for a major insurance company and retired in 2016 to work in the firm.