Chris Joles Email & Phone Number

Meriden, Connecticut, Us

- Enterprise Risk Management: executive leadership advisor of enterprise risks for performance, trends, assessment of inherent and residual risks, and review of various risk assessment activities to understand themes and trends across industry, regulatory, competitor, and business units with resultant action plans enhancement for management of sound compliance management system to compliment business risk and control management- Credit Risk Management: leading the oversight and enhancement of all credit risk functions including portfolio, investor, product analyses, policy, authority/granting, and exception functions- Investor Relations: leading activities to enhance external relationships for various business partners, investors, and agencies while building relationships at all levels of the organization to ensure external messaging aligns with internal priorities and trends- Appraisal Risk Management: leading oversight and review of the organization-wide collateral review process- TPO Risk Management: leading oversight of ~800+ correspondents for diligence, assessment, monitoring- Vendor Management Risk: leading the efficient delivery of contracted products and services including oversight of performance, risk assessments, due diligence, annual assessments, improvement plans, cost reduction initiatives, and vendor enhancements

Meriden, Connecticut, Us

• Credit Risk Management• TPO Oversight and Investor Relations• Valuation and Collateral Review• Enterprise Risk Management: Risk Assessment and Action Plans• Vendor Management Risk

Meriden, Connecticut, Us

• Enterprise Risk Management• Risk Actions• Vendor Management Risk

- Built and led Small Business Solutions Practice focused on service providers with at least $1MM in annual revenue- Provided thought leadership leading to the implementation of innovative solutions for increased ROI- Reengineered several clients marketing spends, resulting in an increase of web traffic by ~500% and increased monthly revenue of on average of ~25% - Identification of rapid and continuing changes in the needs and motivation of customers/clients and markets

Tulsa, Ok, Us

• Managed a group of auditors over a diverse portfolio of operations in forward, reverse, and commercial mortgages to provide sustainable and collaborative insights for business operations improvements through identification of compliance, operational, and risk gaps• Perform risk assessments and process mapping of business activities to identify controls and evaluate potential exposures• Present to Audit Committee and various executive management on a quarterly basis in a collaborative work environment• Work with business leaders of business units to coordinate responses and develop action plans, in response to deficiencies and/or recommendations included within the results and observations of internal audits

Farmers Branch, Texas, Us

• Managed and built risk assessment functions for oversight of origination, servicing and corporate functions• Managed and built Compliance Obligation Governance (COG) process while partnering with the various business units to make sure that investor guidelines were implemented• Managed and built Reporting and Analysis group for the creation of an Enterprise Risk Committee to provide oversight to the executive team, and manage the delivery and integrity of external reporting deliverables • Managed and implemented a high impact solutions group for the implementation of special projects throughout the organization identified as high priority initiatives by executive team

Us

• Managed Data Integrity group for review and oversight of all external deliverables• Developed enterprise Operational Data Store, included exception reports for real time data integrity solutions in conjunction with the business• Built process for defense of demands with successful outcomes of over ~$200MM in risk and ~$10MM in recovery in 2014• Enhanced business processes and counterparty processes for recovery related to prior Servicer and Originator, recovered ~$105MM in 2015• Drove root cause corrective actions to mitigate risk, while implementing company-wide system of record• Chief Administrative Officer for Quality Control for Origination and Servicing• Responsible for Flow Servicing diligence and selection of statistically valid samples • Enhanced trending and analysis from Loss Analysis, Quality Control, TPO, Repurchase, Indemnification, and Recovery

Dallas, Texas, Us

- Built and led Small Business Solutions Practice focused on clients over ~$1MM in annual revenue for innovative solutions for increased ROI achieved through analysis and insights gained from various business reporting- Provided thought leadership, implementation, and execution for contact strategy, website conversion enhancement through path analysis and landing page analysis utilizing various SEO and SEM techniques- Reengineered several clients marketing spends from print and paper to digital for various service-based businesses in Dallas, resulting in an increase of web traffic by ~500% and increased monthly revenue by ~250% - Management consulting to assist with strategic direction

Washington, District Of Columbia, Us

- Reviewed data for trends, patterns, and causal analysis to assist in the understanding program activity and implemented various financial, program, and government reporting mechanisms to assist business partners in accurate investigation of various programs and responsibilities through Oracle databases through UNIX while leading a team of analysts, developers and project managers- Executed SAS, SQL, and Business Objects with Free-Hand SQL and SQL overrides for analysis of raw data input, reporting, and interpretation. Integrated and prepared data for business leads and government agency review while maintaining accountability for project completion according to timelines

Irving, Texas, Us

- Drive data-driven strategic recommendations that guide the decision making process for clients (Automotive, CPG, and Financial)- Statistically modeled and scored US households on client right to win for channel selector receptivity- Implemented CRM, direct, and digital experience with a variety of segmentation and modeling strategies- Leveraged a variety of syndicated data (Nielsen, MRI, Simmons, Experian) to delineate strategic targets for brand managers- Executed SAS, SQL, and SPSS interfaces for analysis of raw data input, reporting, and interpretation

Us

- Managed and marketed a portfolio of real estate assets for Nationstar Mortgage to minimize loss severity - Achieved national recognition for sales efforts as top producing loan officer in the company for 2006 and 2007, numerous individual and team awards, exceeded all goals and quotas by 200%

Mt. Pleasant, Michigan, Us

- Taught Introduction to Statistics course and team-taught two additional statistics courses, abnormal psychology, and general psychology- Managed a group of undergraduates in research and course activities- Worked on a project which received funding through a grant from General Motors to understand the interaction of in-car telematics and driver interaction

Saginaw, Mi, Us

Gillingham, United Kingdom, Gb

- Champion initiatives for corporate and team efficiencies targeting improvements in process, operational effectiveness, cost reduction and problem solving- Interacted with team of quality analysts and engineers to drive improvement

Master Of Science, Applied Experimental Psychology

Bachelor Of Arts, Psychology And Biology

Associates, Pre-Engineering