Governance and Control Advisory for CIBC Commercial Banking responsible for the assist, design and execution of line of business risk programs affecting Commercial Banking teams. Dedicated in a first line of defense capacity reporting up through the Chief Administrative Office, responsible for advising business unit employees on all relevant control matters and topics.

Responsible for maintaining a strong and consistent control environment across assigned Commercial Banking areas within a first line of defense perspective. Provide comprehensive coverage and joint accountability with business executives that promotes early operational risk identification and assessment, effective design and evaluation of controls and sustainable solutions to mitigate operational risk. Manage risk for Commercial Banking LOBs within assigned mandates focusing on control design and expertise, risk and control identification/assessment, control break identification, remediation and resolution and risk and control governance & reporting. Oversight over Commercial Banking products including but not limited to treasury services, commercial card products, real estate, transfer services and general onboarding functions for all of commercial banking.• Successfully liaised with CB leaders to strengthen controls and control definitions in preparation for examinations • Act as risk management subject matter expert across multiple transformational projects • Act as team’s subject matter expert for control management, especially in topics regarding control management system• Ideated several process improvements as part of automation team that lead to multiple issue management solutions resulting in closing several technology gaps resulting in excess of $10M+ saved in work hours

Reporting to Wells Fargo Commercial Capital with oversight over Wells Fargo Equipment Finance (WFEF), responsible for control design and issue management within several major domestic risk programs in a first line of defense capacity including but not limited to marketing compliance, business continuity / business resiliency / disaster recovery, sales practice oversight, and managing all privacy topics for WFEF. Core activities include operational risk consulting, administration of enterprise mandated risk programs, procedure review, policy review, risk-control assessment and regulatory program management. Mitigation of potential risk executed topics executed through operational and regulatory risk reviews, gap assessments, engagement with and through associated Enterprise teams (Legal, Privacy, Marketing, specialty and/or Subject Matter Expert(s) teams). Act as a key liaison to risk leadership for the business by anticipating emerging issues, ensuring appropriate escalation of risk issues to risk leadership; identify, address and communicate difficult issues, and take action to facilitate resolution of identified or potential issues. • Executed majority of all risk assessments needed for the requirements review program in 2017• Managed entire regulatory risk program when entire team transitioned• Recognized as key subject matter expert to operationalize regulatory requirements into controls, processes or procedures• Prior Fair Lending / FCRA, UDAAP, Equal Credit Opportunity Act / Reg B subject matter expert• Conducted major Privacy Review and refined Marketing Review Oversight process to identify and mitigate major gaps • WFEF Privacy models became best practices for greater WFCC businesses due to efficiencies gained and optimized controls• Advocated for distribution of over $50,000 in grants from Wells Fargo Foundation to minority organizations in 2019 • Collaborated with DePaul University to create Wells Fargo’s first MBA Cohort Program

Reporting to Wells Fargo Commercial Capital with oversight over Wells Fargo Equipment Finance, responsible for the monitoring of operational risk concerns for the divested assets of GE Capital to Wells Fargo Equipment Finance, as well as administration of operational risk and compliance risk activities for the Equipment Finance portfolio of Wells Fargo. Areas of focus included operational risk consulting, administration of the Risk and Control Self-Assessment (RCSA) exercises for domestic and Canada International RCSA, administration of the Equipment Finance Marketing Compliance Program and Privacy Compliance Program, management of operational risk activities specific to internal loss reporting and execution of business unit risk team objectives in line with corporate risk mandates.

Responsible for the management and management of testing and monitoring of risks and controls within the Centers of Excellence across multiple platforms of the divested assets of GE Capital, with particular focus on the administration of the Sarbanes Oxley Program (SOX), risk framework administration, control testing, risk issue adjudication and workouts, strategic operational risk activities related to the management of COE mandates and directives and the management of delegated projects related to divestiture activities.

Responsible for identification of risk factors, both existing and emerging, and communication and documentation of all subsequent findings and issues, with focus as the second line of defense / enterprise risk mitigation expert in the areas of credit, liquidity, market, operational and strategic risks to a diverse array of business platforms. Responsible for the execution of deep dive risk reviews and focused risk assessments, Sarbanes-Oxley and Control Oversight, Business Compliance and Regulatory Reviews, Risk Control Self-Assessment validations, quality assurance reviews and business consulting related to operational risk mitigation. • Review structure, work templates and final report out used as a standard for risk reviews for department • Optimized the highly complex SOX exercise into an efficient, targeted activity for migration to a new team

Execute Chief Risk Officer duties including the design, implementation and administration of a formal county wide Risk Management Program, where none had existed before. Created risk assessment and mitigation activities centered on the regular assessment and monitoring of risks, build engagement across all County departments and unify all risk efforts across the County under a single program. Manage a risk team responsible for administering County Risk Programs. Managed teams and three direct reports. • Defined an applicable risk universe for the County, including the creation of a risk infrastructure model and risk council• Implemented and managed the Countywide risk assessment activity enabling effective quantification and documentation of risk • Enhanced the County’s focus on addressing fraud by creating a robust Anti-Fraud program, including required employee acknowledgement, education, and the updating of County policies to address fraud related activity• Built leader engagement through effective socialization and marketing, and quick delivery of operational improvements with realized return on investment and implemented a training program to assist in the socialization and education of risk concepts

Monitored corporate operational risk policies for large corporations, standards and guidelines ('risk programs') and provided consultation to all business units to integrate risk management into business as usual. Detected and advised management of potential risk issues and recommended procedural change to mitigate risk. Researched and develops solutions while encouraging partner engagement and teamwork. Liaised with business units to ensure proper engagement with Risk Management, both at business and corporate level.• Mitigated risk for a division with $4.2 trillion in assets under custody and $96 billion in banking assets for Corporate and Institutional clients which included banking, trust and custody, fund and wealth clients • Managed loss reporting program, operational improvement initiatives and senior level reporting• Participated in regulatory risk review activities including compliance reviews, regulatory reporting and analysis with extensive coordination between members of corporate risk, legal and audit requiring interpretation and operationalization of new regulation• Extensive project management responsibilities to assure the implementation of initiatives related to risk remediation, compliance projects, action plans and risk program development • Executed continual risk assessments including Risk Control Self Assessments (RCSA) Legal Entity Risk Assessments and regulatory reviews / reporting for bank divisions including investment reporting, broker dealer division, commercial banking, securities, capital markets, foreign exchange, correspondent banking

Provide fact-based, forward looking Risk Management guidance and support to the organization. Coordinate, manage and lead projects/people using appropriate technical skills to complete assignments that support business goals. Provide risk management consulting and communication throughout the organization using sound knowledge of the insurance industry.• Designed and implemented a governance program within the property portfolio to recover $28 million in lost premium• Managed components of the property estimation platform upgrade, which would impact all property policies in all states (RCT Program)

Responsible for relationship and risk management of a floor plan finance portfolio of marine dealers. Monitored portfolio performance and key metrics, analyze delinquencies and loss severity for a $195 million portfolio of high profile and special needs customers in the eastern US Region across fifteen states. Included analyzing customer requests related to a portfolio of loans and leases to assess impact to credit quality, including loan/lease assignments, changes of control, collateral substitution and collateral relocation.

Responsible for account management, financial / collateral analysis, loan servicing, and verification of adherence to lending covenants for an asset based healthcare and corporate lending portfolio valued up to $2 billion dollars of multiple high profile clients. Role included administering revolving daily draw requests and cash postings, letter of credit disbursements and portfolio management (borrowing base management, account reconciliation and bank participation settlements for syndicated deals).

Responsible for underwriting service credit to new customers, account maintenance, collections, forecasting, special projects and reporting.

Responsible for account maintenance, analysis, misapplication reconciliation, retail note management, reporting and special projects. • Recognized for contribution to process improvement