Responsibilities include Retail Digital IAM strategy, Fraud, Risk Management and Compliance.

o Extensive expertise in digital regulation and compliance matters including FFIEC authentication guidance.o Responsible for the risk and control assessment of all digital capital initiatives and partnerships, including fintech across all risk categories.o Accountable for digital regulatory obligations including exams, MRA response and remediation, self-identified issues, RCSA, etc.o Responsible for digital third-party oversight and relationship management.o Responsible for digital engagement with audit/third line of defense as well as regulatory authorities and supervising agencies as necessary (OCC, CFPB). o Led digital authentication strategy for a major bank integration (2020).o Responsible for digital IAM strategy including authentication, authorization, orchestration, client experience, and architectural approach.o Provide digital leadership in executive sessions and committees in matters related to strategic planning, capital allocation, cyber, and fraud.o Expertise in fintech/open banking, financial aggregation ecosystem, and emerging technical IAM standards.o Participate as an active member of various industry working groups and standards organizations.o Digital executive crisis action officer responsible for fraud and perimeter threat assessment and response strategy (e.g., identity theft, account takeover, synthetic ID, CVA/credential stuffing, emulator threats, etc.)o Responsible for developing and operationalizing various enterprise policies including authentication, authorization, incident response, business continuity, etc.

Digital Operations Management and Business Continuityo Responsible for strategy and oversight to effectively manage the evolving digital operating and regulatory environment. o Direct accountability for end-to-end digital operations including incident management and remediation, and system stability and resiliency.Risk Managemento Designed and operationalized a risk management framework for the first line of defense for digital business.o Developed an engagement model for risk and control governance and oversight for all digital capital spend initiatives to include risk and control assessment (RCSA), and challenge and remediation. o Operationalized a digital self-identified issues framework; responsible for managing and mitigating operational, regulatory, legal, reputational and compliance risks (e.g., self-identified issues, MRAs, consent orders, etc.). o Developed a data analytics and governance framework to operationalize ongoing digital risk profile for executive and board communication and reporting. o Established monthly digital KRI/KPI reporting as a leading fraud risk indicator for critical money-movement applications.

• Responsible for design, development, and execution of the PNC/NCC integration effort for digital payments.• Monitored and assessed regulatory and legal landscape for online payment and funds transfer processing matters to ensure compliance with applicable laws and regulations.

• Various digital product and marketing roles with increasing responsibility for product and technical design and expansion of the digital channel.

• Directed all operations and development for Electronic Access, an early fintech venture which was awarded a ten-year contract with the State of Montana to provide online lien files services between automotive dealers and the State of Montana Bureau of Motor Vehicles.

• Responsible for sales to major accounts in the Dallas-Fort Worth metroplex.