Citi's Internal Audit division provides independent assessments of the company's governance, risk management and internal control environment for key stakeholders, including the Board of Directors, senior management and Citi's regulators, globally. As a Senior Audit Manager for Citi Internal Audit, I am responsible for developing and implementing the annual audit plan and leading teams of audit professionals with the execution of high quality, on-time risk-based audits for the U.S. Retail Bank. This includes controlling/leading audit activities, providing control enhancing assurance to Citi's stakeholders, and influencing a strong control environment through risk-based and continuous auditing, risk assessments, business monitoring, and principal risk oversight & governance activities. My experience includes hiring, training and leading audit teams; development and deployment of analytics solutions; planning, oversight, and execution of complex risk-based audits, which includes coverage of regulatory compliance requirements and third party, data quality, and Manager's Control Assessment standard testing programs; business monitoring; risk assessments; engagement with regulatory examiners; and audit and regulatory issue validations across Citi US Personal Banking Businesses & Functions.I have extensive experience and a strong working knowledge of Internal Audit Methodology; audit and banking systems; banking products, services and operations; and regulatory requirements - with solid experience auditing and assessing Citi's compliance with the following U.S. Regulations: B, D, DD, CC, E, O, P, W, V, Z, ADA, Card Act, Military Lending Act (MLA), Servicemembers Civil Relief Act (SCRA), HPA, FDPA, TCPA, Foreign Account Tax Compliance Act (FATCA), Bank Secrecy Act (BSA), KYC, AML, OFAC Sanctions Screening, etc.

Led audit teams with the planning and execution of Branch Examinations and complex Horizontal "thematic" Compliance Audits, and executed business monitoring; risk assessments; and audit and regulatory issue validations across Citi Personal Banking & Wealth Management (PBWM) & Global Functions. This includes: Retail Banking (Citibank, N.A.), U.S. International Personal Banking, CitiMortgage, Citi Branded Cards, Citi Retail Services; Citi Private Bank, Citi Commercial Banking; Treasury and Trade Solutions; and Citi Personal Wealth Management (CPWM) businesses; and Credit Operations; Retail Bank Core Operations; and Independent Compliance Risk Management (ICRM) functions. Engaged with regulatory examiners and validated and closed regulatory issues. Achieved high Quality Assurance scores for thorough, high quality audit work and contributed to Citi Internal Audit's "Strong" rating. I also piloted and implemented new Internal Audit processes and systems, and developed, implemented and executed audit analytics solutions.

Responsible for driving Operational Excellence across a Division consisting of 97 Branches and 1,000 employees located in the New York and Boston markets. Advised Division, Area, and Branch leadership teams on implementation and execution of operational strategies and process improvements. Conducted branch inspections, testing and assessment of branch controls and implemented effective corrective action planning to strengthen the overall control environment.

Managed an Area consisting of 15-18 Citibank Branches and led management teams with the successful execution of business strategies and achievement of strong internal audit results by driving operational excellence and providing sales and service support. Oversaw branch staff training, performed management performance assessments and reinforced compliance with Branch Regulatory requirements and Citibank policies and procedures, including: USA PATRIOT Act, Know Your Customer, Anti-Money Laundering, Bank Secrecy Act, Currency Transaction Reporting, Truth in Lending, Truth in Savings, Equal Credit Opportunity Act, Non-Deposit Investment Products, Community Reinvestment Act, Americans With Disabilities Act, SAFE Act and Dodd-Frank requirements.