Rod Carnes, CFE, CMEM – Deputy Commissioner for Non-Depository Financial Institutions,
Georgia Department of Banking Finance
Rod Carnes was appointed the Deputy Commissioner for the Non-Depository Financial Institutions
Division of the Georgia Department of Banking and Finance in November 2005.
Rod was hired as the first full-time Mortgage Examiner in 1998 and later promoted to Chief Investigator
for the Mortgage Division, before becoming the Supervisory Manager for Licensing in April 2004.
In 2014, Rod was elected President of the American Association of Residential Mortgage Regulators
(AARMR). He has served on the AARMR Board of Directors since 2007 and previously held the positions
of Secretary and Vice President. He currently serves as an AARMR representative on the State
Coordinating Committee.
Prior to working for the Department, Rod worked for the Department of Human Resources and in the
private sector in management for seven years. He also worked as a Deputy Sheriff while attending
college. Rod is a graduate of the University of Georgia with a Bachelor’s Degree in Political Science, with
a concentration in accounting. Rod is also a Certified Fraud Examiner from the Association of Certified
Fraud Examiners and a Certified Mortgage Examinations Manager from the Conference of State Bank
Supervisors.