● Oversee the bank’s second line of defense consumer credit risk management function providing independent risk oversight for TD Bank US's $30 billion retail auto loan portfolio. ● Accountable for recommending credit risk appetite and providing credit policy guidance and approval for material changes and new products, monitoring and communicating credit quality with business leaders and Regulators both in the US and Canada.● Provide oversight of credit quality performance and lead a team of credit manager specialists and quantitative analysts assigned to the portfolio. Ensure the efficacy of scorecards, credit models, loss forecasts, and loan loss reserve levels. ● Coordinate closely with the corresponding Product Credit Risk and Pricing Teams to ensure products meet market needs and generate acceptable risk-adjusted returns and that underwriting and credit processes are functioning effectively.

Leading 12 credit risk professionals directing all credit risk activities of the regional bank’s property secured retail lending business (mortgages and home equity), a $44 billion portfolio. Managing the credit risks of both loans held for investment and loans serviced for other investors (mortgage servicing rights). Provide overall credit leadership to deliver on generating healthy loan growth while also maintaining sound credit quality and targeted risk-adjusted returns/revenues. Develop and shape the credit vision, strategic credit agenda (e.g. prioritization of credit initiatives) and identify, design, and implement credit policy optimization across loan life cycle (underwriting, loss mitigation, foreclosure, OREO, etc.). Ensure team is providing timely, relevant, and material insights to business leadership regarding trends, opportunities, and emerging risks. Generate analysis using advanced quantitative and statistical techniques that contribute to enhanced profit-based credit strategies (models, scorecards, CLTV framework, alternative data).

● Helped establish the bank’s second line of defense consumer credit risk management framework and operating activities for its $75 billion retail loan businesses.● Implemented and carried out all 2nd line of defense consumer credit risk management for the Bank’s $24 billion national student and auto portfolios overseeing better-than-peer credit performance. ● Reviewed and approved consumer credit of select merchant buy-now pay-later (BNPL) POS deals and commercial auto dealer floor plan financing. ● Established the Bank’s credit policy framework for retail strategic/inorganic transactions (mergers, acquisitions, securitizations, portfolio purchases/sales) after participating in ~$11 billion deals.

● Led all credit risk management activities of Citizens’ national student and auto finance businesses, overseeing portfolio growth from $9 billion to $24 billion including establishing risk appetite and proactive credit reporting. ● Set and implemented credit strategies/policies and supported new product offerings and portfolio purchase transactions where business annual pre-tax earnings rose from $90 million to $300 million while maintaining targeted annualized loss rates and RAROC.● Oversaw credit risk growth of Citizens’ student lending business from new market entrant to bank innovator of the education refinance loan and the 3rd largest private U.S. student lender at $5 billion originations annually. ● Managed credit of the bank’s retail standard overdraft program optimizing $200 million annual revenue in the face of new regulatory customer “opt-in” requirements.● Oversaw successful launch of new national online personal loan product and active monitoring of run-off RV/marine/aircraft portfolio.● Instituted and maintained an enhanced enterprise-wide risk control regime in accordance with heightened regulatory standards covering risk appetite, operational risk assessment and control testing, compliance, CCAR and CECL.

Designed, implemented and oversaw Citizens’ new consumer credit quality assurance program covering Bank’s $75 billion consumer credit portfolio (mortgages, home equity, credit cards, auto loans, student loans, personal loans, retail merchant acquirer payment transactions). Program ensured effective corporate-level oversight encompassing risk appetite, asset quality, underwriting, portfolio management and credit risk operational controls, embodying lessons learned from 2008-09 recession.

Designed and implemented new global risk management program covering Citigroup’s 500 financial market infrastructure memberships (payment/trading/clearing and depository systems) in 90 countries. Supported rapid global build-out of commodities trading business by approving all natural gas, power/electricity, freight, weather, and emissions trading activity. Implemented new global risk capital framework freeing up $490 million in economic capital needed to support rapidly growing capital markets businesses.Regional director for Europe/LATAM, overseeing all risk management activities and supporting new business initiatives with financial infrastructure and government entities. Authority to approve up to $2 billion in market-based credit risk exposure.Advised global clients and government officials (e.g. World Bank, European Central Bank, Bank of England, Central Bank of China, Central Bank of Colombia) on financial market infrastructure developments and risk-related matters. Served as honorary member of Federal Reserve Payments Risk Committee.

Served as Senior Fed Policy Advisor on matters related to U.S. securities and derivatives exchanges, clearinghouses and payment systems. Provided technical assistance to foreign governments and World Bank (Payments International Advisory Council) and chaired Basel Committee report on global securities lending markets.

Served as Assistant Staff Director for 25 member International Statistics Department responsible for collection, analysis and publication of U.S. Treasury data used to measure official U.S. cross-border financial portfolio flows (securities, deposit/lending, FX and financial derivatives)

From 1989 to 1992 served as analyst responsible for assessing financial condition reports of 50 largest U.S. bank holding companies, multiple Brady plan sovereign debt restructurings, and frozen Iraqi financial assets under U.S. Presidential order.From 1992 to 1994 managed 10-person staff responsible for the daily data collection and analysis activities to support Federal Reserve Open Market Desk activities and compute U.S. reserve requirements and monetary aggregates.