- Responsible for the overall management and oversight of consumer lending product operations including Deposits, Credit Card, Unsecured Lending, Home Equity Loans and Lines of Credit, Merchant Finance (BNPL), Auto, Student Lending and External 3rd party loan servicing.- Implement and maintain a comprehensive risk management program to ensure compliance with regulatory requirements and the institution's risk appetite.- Run an executive risk meeting on a monthly basis to provide updates on risk profile changes and to ensure that the institution's risk management program is aligned with the organization's overall strategy.- Manage high profile regulatory exams, and lead the remediations of high profile regulatory MRAs, recommendations and Audit issues.- Interact with executive leadership at all levels of the institution, including the Board of Directors, to provide regular updates on risk management activities and to ensure that risk management is integrated into the overall business strategy.- Manage a team of highly skilled senior risk professionals, providing guidance and support to ensure that all risks are identified, assessed, and managed effectively.- Monitor and review risk management processes, policies and procedures to ensure they are current and effective.- Collaborate with other departments and business units to identify and mitigate potential risks to the organization.- Ensure that all risk management activities are in compliance with applicable laws, regulations, and industry best practices.- Identify and communicate emerging risks to the organization and develop strategies to mitigate them.- Maintain a strong understanding of the competitive environment and industry trends to proactively identify new risks and opportunities.

• Manage a team of Risk professionals to work with Fraud and Claims Operations management to ensure fraud prevention strategies are effective, claims are managed in accordance with regulatory requirements, fraud trends are identified and mitigated and chargeback/recoveries are executed appropriately.• Implemented a Risk Profile review to endure a holistic assessment of the risk and control environment as it relates to all risk program elements.• Present to executive management on the status of fraud risk within the bank and impacts to the overall bank risk profile.• Implement and oversee the Modern Operating Model and Agile change methodology for all Consumer Operations to ensure change management is executed adequately and effectively with the appropriate reporting to executive management on the status and change risk profile. • Ensure when issues are identified within the organization that controls are implemented to mitigate the risk, impact is identified and escalated, and restitution is provided in a timely manner to customers to make them whole. • Execute Targeted Risk Assessments for the products supported by the Fraud and Claims organization, including but not limited to Credit Card, Equity, Deposit, ATM, Zelle/Instant Transfer, Citizens Pay.• Oversee the Regulatory intake process to evaluate the impact or a regulatory change, identify impacted business line, work with Legal on regulatory interpretation, and oversee the business line change to ensure compliance with the new/changed regulation.

This position is responsible for Loan Servicing Operations, Collections and Recovery, Collections Strategy, Collateral Risk Management, Loan Accounting and Education Finance. • Manage a team of Risk professionals to work with Operations managers to ensure compliance with Consumer Lending Policies and Regulations.• Implemented a Risk Profile review to endure a holistic assessment of the risk and control environment as it relates to all risk program elements • Guide executive management to ensure proper risk decisions are made, articulated and supported to ensure the risk appetite is adhered to.• Interview management and stakeholders to identify, document and assess the risk and control environment with in their respective organizations. • Review risks from an end to end expectation to ensure products are fully compliant.• Manage regulatory exams to ensure documentation is provided accurately and timely as well as take part in regulatory interviews to discuss processes, controls, and risk environments.

Responsible for the oversight, development, and implementation of the Operational Risk program in the Retail organization including but not limited to Credit Cards, Retail Network, ATM, Customer Service, Mortgage, Sales, and Products/Product Development. Areas of focus for proper implementation, development and oversight are Governance, Issue & Event Management and Remediation, Key Risk Indicators, Loss Reporting, Risk Assessment, Scenario Analysis, Regulatory Compliance and over all communication of Operational Risk Expectations and standards. Daily responsibilities include but are not limited to:- Discussions with executive management on status of Operational Risk programs within their organization.- Reporting and Monitoring of key programs to ensure adherence to the requirements. - Challenge program implementation and partner with key stakeholders to ensure risks are within the organizations appetite and reported appropriately- Assist in the development of proper governance and ensure it is followed so key stakeholders are informed and proper escalation is adhered to.

Responsible for Risk Management oversight for the Lending Operations organizations including Mortgage, Consumer and Commercial Lending for Santander Bank N.A. Daily responsibilities include but are not limited to - Issue Identification, Remediation Plan Creation, and Closure- Governace and Reporting to Business and Executive management to ensure risk awareness- Build, Manage, and Empower a team of proactive risk professionals.

Managed a team to provide risk oversight for a Business Services Organization which included all Technology, Operations, Vendor, Property, and Information Security functions for Citizens Bank. Daily Responsibilites included but were not limited to:- Provide executive management with all of the information they needed to discuss their business’ risk profile.- Complete secretariat responsibilities for executive risk committees.- Developed and brought to production a Risk Prioritization concept that allowed risk managers to prioritize their risk efforts based on the regulatory landscape, and the areas of focus rather than issue target dates. - Review regulatory reports to ensure complete understanding of findings and proper remediation efforts were developed and executed.

- Manage a team to provide risk oversight for consumer and commercial operations and account setup, which include onshore (USA) and offshore (India) operations as well as systems security and testing.- Assisted in the implementation of AFS though out Commercial Operations and had risk oversight of the project to ensure compliance with regulations, policies and procedures.- Participate and run end to end risk assessments to identify risks, controls, and gaps utilizing all risk indicators to ensure compliance with policies, procedures and regulations. - Create testing documents to provide evidence of the test work preformed

- Ensure that external insurance companies abide by state regulations in their Underwriting, Financial, Claims and Charge-Off lines of business.- Lead teams of auditors from the planning phase to the final report and correcting entries to make certain all aspects of the audit are completed timely and accurately.- Manage audit consultants to ensure their work is completed timely, accurately and gain proper understanding of all exceptions noted.- Write audit reports and communicate with external and internal managers until the final audit report has been agreed upon.

- Ensure that Trust, Broker Dealer and Consumer Finance business lines, of Citizens Bank, adhere to all federal, state and banking rules and regulations - Create business line relationships with senior management to retain a consultant view of audit- Complete all work within strict timeframes while ensuring accuracy and completeness of the final draft- Conduct interviews with business line managers to ensure that policies and procedures are in compliance with regulations- Develop, implement and track Early Warning Indicators from management reporting to leverage as coverage for high risk testing.- Plan audits to cover high medium and low risks within the business unit.