Christopher Kovalsky Email and Phone Number

Leverage and continue to upgrade comprehensive policies and procedures while implementing customer facing processes that provide the user a simple, easy, fast and intuitive experience.

• Lead Agents of Change Interview program at Money 20/20 October 2017 • Work with CEO’s and Communications leaders from 24 FinTechs and Financial Institutions to obtain thought leadership insight about their organizations and the marketplace • Obtain thought leader videos on rethinking the customer journey, the role of trust and perception in the customer journey and collaboration for success of Financial Institutions • Continuously conduct secondary research to support financial vertical programs • Contributor to LinkedIn’s weekly financial vertical planning session for Agents of Change

Created a holistic view of supplier risk across 38 countries and 5,000 users in 18 months that complied with FDIC requirements. As third party leader, I built a strong culture of compliance, constructed the digital enterprise supplier risk program providing a strategic supplier risk view that met regulatory requirements. Developed the strategy, managed internal and external stakeholders to establish a mature approach to Governance, Risk Management and Compliance. • Assessed existing operational practices to identify opportunities for program transformation • Built, led a centralized third party contract management, execution and review program • Developed and launched an external and internal 3rd party site providing a holistic approach to supplier risk • Instituted uniform KPI’s and worked with Compliance, IT and BC/DR teams to build proper risk models • Reduced cycle time by 30% and saving over $5MM annually while driving user acceptance • On-boarded 3K new suppliers and consolidated existing vendor • Delivered on-time project tollgates and set expectations of Senior Leadership and Regulators • Worked with the organizations GRC areas to create critical supplier planning and due diligence processes • Reduced training cost by 50% via online self-paced supplier risk training program to support adoption

I transformed a 20 year old paper based direct to consumer bond program to meet customer needs. Grew a $5B portfolio by 2x in the face of an economic downturn. Created the vision for retail deposit initiative. Cross-functional Leader for the build and launch of the online direct to consumer platform. • Grew the portfolio in by $2.7B in 15 months through the execution of a strategic plan • Successfully launched a digital direct to consumer investment program • Generated $400MM in incremental volume by designing and executing new product offerings • Attained a 56% online investor adoption rate in 12 months’ savings $1MM in annual costs • Provided $10MM in savings over 5 years via the transition to 11 innovated supplier sources • Decreased marketing spend by $2MM by implementing new data mining program to target high net worth investors • Reduced call center activities by 50% through the implementation of customer service metrics and redesign of the customer experience • Direct controllership activities for a cross-functional team including IT Security, Risk, Legal, Tax, Pricing and Compliance • Conducted vendor selection, contract negotiation and integration of all operation components

• Drove adaption of consistent underwriting standards across global mortgage business • Developed or enriched direct to consumer loan program in 11 countries (EMEA, North and Central America and Asia)• Generated $200MM in incremental volume within the French mortgage business• Designed strategy and digital Direct to Consumer and B2B mortgage program in Russia• Developed a Global Market Evaluation and Assessment Framework to manage and mitigate exposure

Prior to 2004 I led various Marketing and Data Warehouse programs. I was recognized for improving operational efficiencies by streamlining processes while improving the end user experience. I achieved targeted goals, met budgets, and exceled in challenging situations. I successfully grew with various organizations through my creative problem solving, utilization of critical thinking skills, and effective communication expertise.