Brian Gist Email & Phone Number

California, United States

Raleigh, North Carolina, Us

Head of Regulatory Interaction and Control Management for information technology risk management.Regulatory Interaction: Serve as the senior liaison for regulatory engagements for Information Technology, providing strategic direction and consultative services. Accountable for managing exams, coordinating high-level communications, and alignment with regulatory expectations.Control Management: Oversee the comprehensive risk assessment strategy in line with FFIEC frameworks. Accountable for the evaluation and validation of control designs and their operational effectiveness.

Santa Clara, Ca, Us

Responsible for risk reporting, risk governance, and chief of staff functions for the head of technology risk management.• Established the target operating model and coordinated risk management across technology, cybersecurity, data protection, and data governance.• Establish enterprise-wide capability for non-financial risk reporting driving impact and visibility; the first issue management report drove a 27% reduction in past-due technology issues within one quarter.• Led enterprise development of platforms, processes, and reporting of non-financial risk appetite and risk management metrics for executive management and board reporting, encompassing a synthesis of over 550 reported metrics.• Developed remediation plans and led execution of key risk related work efforts under enterprise and technology focused regulatory matters encompassing including risk appetite, control, and residual risk reporting.

San Francisco, California, Us

Strategic Enterprise Risk Management in independent risk management to lead the deployment of two key Enterprise Risk Programs: Issue Management and Escalations. The entirely new Escalations program - with new framework, platform, and policy - launched in January 2021. The Issue Management program was dramatically transformed to drive effective and timely closure of issues. • Authored risk policies and procedures to provide governance framework for the programs. • Oversaw development and execution of change management program including deployment of training for over 6,000 program practitioners in 5 instructor led sessions in Q1'2021. • Established routines to monitor policy adherence across the enterprise. My team documented and executed 18 controls to generate scorecards used in risk assessments to quantify risk management effectiveness.• Results: In the first six months, open issues fell 16%; rate of issues failing validation fell 35%; issues requiring extensions fell 10% - driven by strong policy requirements for tollgates and sustainability requirements, and a stellar partnership with front line control executive teams.

San Francisco, California, Us

Joined Wells Fargo to lead a cross-functional team developing the target state for enterprise risk programs in response to regulatory criticism. This team included banking experts, legal counsel, management consultants, and program managers. Delivered a 150+ page target state narrative, backed by a 1,700+ row action plan with 50 key deliverables.The resulting plan covered the development and deployment for 5 Enterprise Risk Programs: Issue Management, Escalations, New Business Initiatives, Enterprise Risk Identification, and Risk Appetite and KRI monitoring. Upon conclusion of the plan, rolled into Strategic Enterprise Risk Management to lead the redevelopment of two enterprise risk programs - Issues Management and Escalations.

Pittsburgh, Pennsylvania, Us

Independent Risk Management credit executive responsible for second line credit risk oversight of the $12 billion personal lending portfolios including unsecured installment loans, unsecured lines of credit, student lending, and non-margin securities back lending. Oversaw strategic expansion efforts through financial analysis, review, challenge, and approval of credit policy expansions. Strategic expansions included the launch of innovative lending products with fintech partners and ensuring the front line team had the necessary mitigants and controls operate within the desired credit risk appetite.

Pittsburgh, Pennsylvania, Us

Built out for the target operating model for the retail side of an independent credit review (“2.5 line”) function for consumer and small business loan portfolios. My team conducted fundamental credit reviews of loan origination and servicing in line with OCC Heightened Expectations for loan review. —-• Developed the processes for cycle reviews, continuous monitoring, and targeted reviews of credit exposure and loan review for each portfolio in the consumer lending and small business lending lines of business • Designed a monthly monitoring process to track emerging risks to credit originating from internal and economic conditions.• Using risk data analytics, created risk-based 3-year review plan, with risk-based cycles for 12 consumer portfolio with requirements for loan samples by product for each portfolio• Developed interaction model to build teamwork with partners in the business (first line) and independent risk management (second line) to demonstrate strategic value of credit review beyond a quality or audit assurance function• Served as technical liaison for development of bespoke linesheet application; provided user stories to development team and participated in the daily scrum calls through development cycle• Identified over two dozen issues in the first two years - including 4 high-risk issues, and worked with issue owners to help focus on root cause as they developed their corrective action plans• Led by example - personally led reviews, including re-underwriting hundreds of loans to demonstrate the new high-bar for success was achievable; coached and mentored team from interns to SVPs to drive cultural transformation consistent with standing up a new challenge program

New York, New York, Us

Established the Retail Basel Program functional team in second line of defense (Franchise Risk Architecture) and served as Global Process Owner for Retail exposures (including consumer and delinquency managed commercial exposures). Responsibility for credit risk oversight ("second line of defense"), regulatory interactions & problem solving to remediate data, audit, and regulatory issues. Business sponsor for Retail Basel models. Performed oversight for operational reporting process, and assignment of RWA.Designed and implemented a variance analysis platform to identify granular changes in capital allocation; enhanced controls for identifying changes to credit risk, reducing resource requirements for analysis by 90% and decreasing reporting time from 2 weeks to 1 day. Built framework for assessing capital impact for data quality deficiencies; implemented adjustment process based on risk analytics. Reduced override adjustments by $50b over 2 years, and data quality errors by 80%.Participated on global steering committee for next-generation "Genesis" account-level data platform hosting hundreds of millions of customer accounts globally. Developed user stories for the debut data aggregation use case as part of a holistic "record-to-report" re-engineering program in response to regulatory criticism. Eliminated hundreds of manual controls, thousands of monthly hours of manual data quality testing, and materially improved data quality with automated controls. Owned Retail Basel Models (model sponsor); reviewed changes in business needs and regulation; directed model developers who were responsible for Basel models. Drove development of 6 new segmentation models in 2 years to drive increased homogeneity amongst retail exposure pools.Used capital assignment to drive business decisions including driving the discontinuation of a global pre-construction lending portfolio due to historical misalignment of risk that overstated return on risk capital metrics.

New York, New York, Us

Developed and led the Retail division of the Capital Interpretation and Analytics team in Risk Management. Reviews retail credit exposures for appropriate treatment under Basel rules and identifies best practices across business segments. Develop framework for handing of non-traditional Retail exposures including small commercial and legacy assets.Used capital models and risk data to analyze the risk characteristics of the portfolio and properly align treatment based on risk profileAssigned modeled treatment of complex positions where non-modeled adjustment had been used for 3+ years; closed 3 such issues in first 6 months.

New York, New York, Us

Provided global credit risk reports on consumer businesses (Global Consumer Bank) to Global Consumer Risk Management, U.S. regulators, and the Citigroup Board of Directors. Part of the global reporting group in Franchise Risk Architecture.Drove cultural change to improve collaboration, communication, and execution across team, improved employee satisfaction from 40% to 92% in first year. Promoted from Senior Vice President to Director in January 2014

New York, New York, Us

Incorporate economic research and data into overall credit strategy for Citi Retail Services - a portfolio of private-label and co-branded cards and sales finance consumer lending products. • Oversaw a multi-billion dollar Loan Loss Reserve. • Formulated economic forecasts and models for the Retail Services CRO on a monthly basis.• Each quarter, worked with the Retail Services CFO and CEO to build Loan Loss Reserve strategies.• Credited with re-engineering the Loan Loss Reserve calculation procedure, presenting it the Senior Credit Officers’ Forum; the new procedures was recognized as a global Gold Standard by the Consumer CRO.• Developed and implemented valuation models for restructured loans across multiple business units in accordance with FAS114 guidelines.• With small team of other risk quantitative experts, created analytic economic response model for risk forecasting of exposures for Supervisory Capital Assessment Program (SCAP) and the subsequent CCAR/DFAST stress testing models for private label cards portfolio.• Designed and implemented macroeconomic-based Portfolio Stability Early Warning strategy to identify credit and liquidity signals for consumer credit card portfolio.Promoted from Vice President to Senior Vice President in June 2010

New York, New York, Us

Portfolio Risk Analyst in the first line of defense focusing on the Private Label cards group, specifically the Sears charge card. Identify and deploy strategies to reduce contingent liability for high risk accounts, identify high risk accounts for closure or special treatment. Created debut strategy for use of daily credit bureau triggers to drive daily credit action to reduce contingent liability and credit line conversion for customers with rapidly changing credit profilesUse statistical software tools such as SAS in a batch UNIX environment to identify outliers and define credit approval strategy using CHAID and Random Forest or other modeling techniques. Perform economic research and publish economic primers on the consumer credit markets.

Washington, Dc, Us

Analyze subscriber data for subscribers who cancelled through payment default to identify patterns, and to develop a psychographic profile and marketing plan to identify and retain those customers mostly likely to pay.

Closely held firm specializing in advisory, valuation and transaction services for small-cap and private companies.

Lead Consultant * Financial Institutions Shared Assessments Program (FISAP) 2005 - 2006

Pilani, Jhunjhun, Rajasthan, In

Financial Frontiers was a closely-held specialty merchant bank 2003 - 2004: Manager of Research and Acquisition Strategy• Identified acquisition targets, developed strategic outreach campaign, and managed campaign through completion• Identified key acquisition targets through data mining, statistical and financial analysis; reduced pool of acquisition prospects from over 30,000 to 200 viable acquisition targets• Developed acquisition campaign strategy with principals; launched, managed, and assessed acquisition campaigns from inception through completion• Championed corporate culture shift from mercenary to collaborative; created cross-functional teams with research responsibilities; managed cross functional teams of research analysts, attorneys, sales, and accountants2001 - 2002: Research Analyst• Modeled value of 30,000 prospective firms, created forecasts with sensitivity analysis based upon market trends and conditions • Created statistical/financial model to identify and prioritize viable acquisition prospects using forecast models and expanded data in new database• Operationalized research process, created a repeatable research procedure to be used by future research analysts2000 - 2001: Database Architect • Reduced annual research update process from six months to four weeks; freed resources for in-depth research• Integrated data regarding management, ownership, and financial details for closely held private firms into one coherent research database

Built and grew information technology consultancy as provider custom database and networking solutions to mid-tier private firms• Database design and reporting; year 2000 compliance• Classroom instructor; private and public classes on database report writing• Engineered network and attained grants for wireless deployment in underdeveloped areas• Used or provided training on business software including: Access, Crystal Reports, Excel, Mathematica, MySQL Server, MS-SQL Server, Stata, SAS, SPSS, SQL, Mac OS X, Windows Server

Detroit, Mi, Us

Graduated top of class from the Professional Development Program (PDP) - a mainframe programming bootcamp

Columbia, Md, Us

Ann Arbor, Mi, Us

Mba, International Business/Finance

Rma / Wharton Advanced Risk Management Program, Risk Management

Ba, Economics