Christopher Doyaga Email & Phone Number

Tampa/St. Petersburg, Florida Area

Tampa/St. Petersburg, Florida Area

Tampa/St. Petersburg, Florida Area

• Risk Management on all Small Business Consumer platforms• Managed AML CS&S Governance process and procedures• Monitored and reported on credit card, first mortgage, home equity, consumer vehicle lending, dealer financial services and digital platforms for potential triggers in risk appetite • Led all executive Government regulatory meetings to minimize future risk (Business Consumer Risk) Office of the Comptroller of the Currency (OCC) / Federal Reserve Bank (FRB) / Federal Deposit Insurance Corporation (FDIC) / Consumer Financial Protection Bureau (CFPB), Areas of accomplishments • Improved authentication process by enhancing business ability to identify signer on business accounts for consumer based products, • Created policies and procedures (with Playbooks) to driving scores cards from 84.9% to 96.1% in small business consumer space. • Continuously built strong working relationships with partners from various lines of business including Audit, Compliance, Risk and Legal Dept. • Training initiatives for Small Business Contact Centers, Lead implementation of new third party verification tool to strengthen and improve credit verification process for account openings. • Created new hire training curriculum specific geared toward compliance policies/procedures, which is considered a best practice shared across Small Business Contact Center

Tampa/St. Petersburg, Florida Area

• Regulatory enforcement for all department for Compliance, Audit, Risk and Legal for all regulatory related issue and concerns on Washington based regulators (OCC) (FRB) (FDIC) (CFPB), • Operational risk & risk appetite area across multiple functions lines of business including Compliance, Customer Service, Small Business, Operational Risk, Technology, BCI - Controls and Monitoring and Issues Management to develop Risk Reduction Plans• Managed AML CS&S Governance process and procedures• Monitoring for potential abuse and fraudulent treatment of bank personnel on consumers platforms.• Reporting granule detailed at high level of information, focusing on any reputational risk • Minimize all future enforcement actions against BOA in regards to Consent Orders and Exams for potential reputational and punitive damages.Areas of accomplishments • I also worked on the Anti-Money Laundering (AML), Foreign Exchanges Consent Order and Add-on Products (to the consumer)• I have worked on and completed to the closure of the Mortgage Consent Order from the OCC, this consent order was open for 4 years on which I focused on 9 out of 13 areas, I also worked on the Anti-Money Laundering (AML), Foreign Exchanges Consent Order and Add-on Products (to the consumer).

Tampa/St. Petersburg, Florida Area

Responsibilities• Responsible for all government and media requests regarding inquisition on borrower standing during the IFR process and any future negative feedback to borrowers. • Provided high-level strategized information to limit the amount of reputational risk for the bank, request would come from the media and or government officials in regards to the borrower and/or bank. • Develop and monitoring future policy and procedures in regards to changes that regulators have applied to the bank during the Mortgage Consent order hold.

Tampa/St. Petersburg, Florida Area

Responsibilities• Managed a team of 49 associates and independent contractors for audit review, costumer harm and potential backlash from media. • Responsible for working across multiple functions lines of business to increase volume of overall productivity for the 3 locations (California, Florida and New Jersey). • Specialized in employee motivation and helped grow associate development to be most producing team Areas of accomplishments • During this time I distinguished myself and was asked to lead a media team to limit reputational risk for the IFR Mortgage Consent Order lawsuit.• Develop Training guilds and standards for best practices for auditing customer harm.

Brooklyn, New York

• Managed all asset function relating to sales, client interactions, auditing, foreclosure defense, modifications, bankruptcy, and customer service relations. • Increased client retention volume, direct sales and streamlining process. • Auditor for DOJ US Trustee for systems and information in regards to bankruptcy filings, • Gap analysis for wrong doings (both borrower and bank), key areas of focus are, loss mitigations, underwriting filing, , modifying, foreclosure sales and bankruptcy modifications with mortgage holders