• Reviewed the internal control framework for the capital planning process. Governance, methodology, testing, contingency planning, were evaluated.• Operational Risk Management audit for the Bank. Specific areas of focus were Governance and Framework, Key Risk Indicator, Risk and Control Assessment, Scenario Analysis, Loss Data Collection programs.• Capital Planning review focused on the Capital Adequacy of Santander Holdings USA. Framework, governance, contingency plan, and methodology of assumptions for each component were evaluated.• Mortgage Banking Lead for Santander Bank N.A. Coordinated and led the completion of the Mortgage Banking review with the Credit, Compliance, Operations and Technology teams including managing each area’s review and completing all sign-offs and final reports.• Validating work completed against regulatory issues against the bank and providing recommendations for closure.

• Operational Risk Management framework and governance development to ISO 31000 standards. Implementation of risk and control self-assessments (RCSA), Emerging Risks, Loss Data Collection and analysis, Process Mapping, Risk Appetite Framework• FDICIA compliance and Internal Control standardization utilizing the COSO framework• Sarbanes-Oxley 404 Compliance. Evaluating testing results and correcting control deficiencies• Governance, Risk, and Compliance system implementation and integration utilizing industry best practices while conforming to the specific needs of the company

• Wire and ACH payout approval, ACATS send and receive approval. Margin loan approval.• SEC and FINRA trading compliance within Option, ETF, Mutual Fund, Equity, and Bond portfolios.• Branch management and Financial Advisor advising on mitigating risk within the trading portfolios of their clients