Curtis Schultz Consulting provides Enterprise Risk Management, Compliance and Data & Analytics consulting and program management to clients in the Financial Services & Insurance industry.FEATURED CLIENTSPRICEWATERHOUSECOOPERS (PwC) CLIENT – TOP U.S. BANK, New York, New York (Contracted through MBO Partners – 2024 – Present)ENTERPRISE DATA GOVERNANCE PROGRAM MANAGERRetained to implement Enterprise Data Governance standards.● Working collaboratively with Client to update Data Governance Prioritization Approach● Reviewing existing procedures and develop consolidated Centralized Procedure documents● Facilitating Centralized Procedure socialization workshops● Defining and prioritizing Data Use Cases● Identifying preliminary sequencing of data remediation programs for the next two years● Facilitating review and challenge sessionsPRICEWATERHOUSECOOPERS (PwC) CLIENT – TOP U.S. BANK, San Francisco, CA (Contracted through MBO Partners – 2022 – 2023)RISK AND CONTROL SELF-ASSESSMENT CONSULTANTRetained to lead risk and control self-assessment (RCSA) workshops providing C-Level executives with the framework needed to improve governance and control to enable revenue growth by exiting a Federal Reserve consent cease and desist order.● Coached executives responsible for leading RCSA Workshops including Service Modeling for Consumer Lending Lines of Business including Credit Card and Home Lending (Mortgage)● Identified & Assessed Inherent Risks and Controls● Assessed Residual Risk, Identified Residual Risk Treatment and Performed Risk Mitigation● Prepared Executives for Assessment Presentations of the RCSA to the Risk & Control Board (R&CB)● Incorporated feedback from the R&CB to enhance the RCSA

TOP U.S. BANK, Charlotte, NC (2019 – 2022)- Contracted to lead integration activities for Merger of Equals creating a Top 10 U.S. Bank with projected cost savings of $1.6 Billion.- Developed a model that accurately predicted FDIC approval for over 90% of proposed branch closings which accurately scored branches most likely to be approved for closure, optimizing equipment replacement plans reducing expenses by 25% from the pre-model plans- Led the Merger of Equals (MOE) integration activities for the Merchant Services businesses identifying shorter critical paths allowing accelerated cost savings of $0.5 Million per quarter- Designed the selection model / process for future product offerings putting the Merchant Service business on a path to 10% revenue growthTOP GLOBAL BANK, Washington, DC (2019)Contracted to perform risk and control self-assessment (RCSA) to improve Know Your Client (KYC) processes with the goal of reducing Fraud Losses by $5 Million per year.- Identified & Assessed Inherent Risks and Controls- Assessed Residual Risk, Identified Residual Risk Treatment and Performed Risk Mitigation- Prepared Executives for Assessment Presentations of the RCSA to both business and technology leadershipLEADING GLOBAL PAYMENT SOLUTIONS PROVIDER, San Jose, CA (2018 – 2019)Contracted to execute a strategic transformation of their U.S. Consumer Lending business by divesting a $7 Billion portfolio and establishing the framework for revenue growth with the acquirer.- Performed Risk Mitigation activities of the Consumer Financial Protection Bureau (CFPB) Consent Order Remediation Plan- Developed Risk and Governance framework for 36 requirements of the TSA and for 25 Parity requirements for each phase for the transformation – Pre-Legal Day 1, Transitional Servicing Period, Shared Servicing Period- Assessed, implemented and monitored KRI and KPI of the operational environment and credit portfolio unique to each phase for the transformation

Promoted to lead Cards Collections Net Credit Loss (NCL) Forecasting Team which monitored risks of Citi Brands, Retail Services and Holdings Liquidating for Consumer and Commercial portfolios with the goal to generate strategies to reduce NCL and Collections Operational Expense by 5% per year.- Managed a team of 11 professionals in a variety of environments - in office, hybrid, remote, domestic and offshore- Forecasted NCL, Delinquency and Loan Loss Reserve (LLR) metrics for the Citi Cards NA portfolios for corporation’s official capital plan for approval by the U.S. Federal Reserve – Comprehensive Capital Analysis and Review (CCAR) - Assessed impacts to multiple P&L lines both within Cards and across other consumer lines of business through Consumer Risk Segmentation analysis- Drove forecasting accuracy for key initiatives: Daily Flash reporting (KIR) and Weekly FY Outlook and Global Consumer Group Weekly NCL Flash- Facilitated weekly meetings between senior leadership of Collections Operations, Risk Management and Business Finance for Citi Brands and Retail Services

Hired to execute forecasts of expected cash flow contributions and accounting expenses under multiple scenarios for Retirement and Health and Welfare programs with the goal of reducing benefit expenses by 5% per year.- Conducted studies of impact of Asset Allocation strategies unto expected cash flow contributions and accounting expenses- Conducted studies of Capital Markets performance and corresponding impact to discount rates and liabilities- Conducted “gain / loss” and demographic experience studies- Developed financial presentations for clients' executive leadership teams