Ani Toroian Email & Phone Number

Los Angeles, Ca, Us

El Monte, California, United States

Los Angeles, California

SVP, HEAD of 1LOD RISK and COMPLIANCEManaged a team of 45 professionals with 8 direct reports and a $4.5M budget for six major banking divisions with exposure to various risk categories – operational, compliance, credit, BSA/AML, strategic, and reputation risk. Developed centralized risk programs and defined best practices to ensure all divisions were consistently adhering to the Enterprise Risk Management framework, policies, and standards. Built a strong bench of credible risk and compliance SMEs. • Led the implementation and management of First Line of Defense (1LOD) Target Operating Model with service delivery model to drive efficiency through centralization and standardization of risk programs and groups. • Chaired 1LOD quarterly risk review committees for each of the six divisions. Prioritized top and emerging risks, trends, mitigation strategies, client complaints, ongoing monitoring results, and limit breaches. Escalated concerns, as needed, to the Executive/Board Risk Committee. • Directed the development and delivery of “dynamic dashboards” for real-time access to business risk metrics.

Los Angeles, California

SVP, DIVISION RISK MANAGER – Personal and Business Banking (PBB) Developed the risk management structure and identified the necessary resources to ensure all PBB functional areas – Consumer, Retail Branch, SMB, and Preferred Banking – complied with the prevailing Enterprise Risk Management (ERM) framework. Implemented OCC’s Heightened Standard risk management life cycle by identifying, assessing, monitoring, and reporting risks and controls for all business line activities. Promoted within nine months to lead the 1LOD Risk and Compliance Division and scale the recently implemented PBB risk operations across an additional six major bank divisions with total assets exceeding $52B.• Created the PBB Division Risk Committee. Served as the Committee Chair, conducting quarterly meetings to present all applicable risks and controls to the Senior Management.• Organized the Risk Managers Forum in the bank to share best practices; address common concerns and MRA remediations; and recommend resolutions to improve overall bank policies.

Pasadena, California

DIRECTOR, FRONT LINE UNIT RISK MANAGER Managed the FLU Risk Management team for the CIT Consumer Bank. Implemented OCC’s “Heightened Standard” risk management life cycle to identify, assess, monitor, and report risks and controls. Supported internal audits, regulator exams, and other reviews. Led the Division’s issue resolution and MRA remediations. Prepared the business lines’ quarterly risk reports which summarized risk profiles, trends, and mitigation strategies. Presented findings to the businesses’ Senior Management and Enterprise Risk Committees. Built a “risk aware” culture that garnered support from the executive leadership team. • Assembled and led a monthly risk oversight working group that provided a structured review and evaluation process for all Consumer Bank risk concerns – including issues management, sales practices, customer complaints, and regulatory changes. Acknowledged as a best practice by the OCC who referred the CIT program to other banks. • Developed and implemented risk management dashboards to provide critical insights into key risk indicators and facilitate data-driven decisions by the Front Line Unit. • Promoted strong relationships with internal stakeholders, including business unit heads, compliance, internal audit, and legal departments.

Pasadena, California

HEAD of OPERATIONAL RISK MANAGEMENT Led the Operational Risk team for the $37B OneWest Bank and later the $70B CIT Bank. Developed and implemented the organization's operational risk management strategy, policies, and procedures. Identified and assessed potential risks; established risk appetite and tolerance levels; and defined risk management methodologies – including the review/challenge process, RCSA, ORE, KRI, control testing, issues management, and remediation. • Managed the implementation of an operational risk event program. Defined policies and procedures for conducting incident investigations, identifying root causes, and implementing corrective actions to prevent recurrence. • Collaborated with internal and external stakeholders to assess risk factors in the launch and execution of new consumer banking products and markets. • Managed the development and implementation of a Third-Party Risk Management (TPRM) program for OneWest’s 200+ critical-rated vendors. Conducted due diligence, risk categorization, contract reviews, and ongoing monitoring.

San Dimas, California

Chatsworth, California

Los Angeles, California

Burbank, California

Glendale, California

Bachelor Of Business Administration (Bba), Economics

Credit Union Leadership, Credit Union Leadership

2007 Graduate form WCMS, a three-year course, which provided extensive training for financial services professionals focusing leadership.