Responsible for Deposit Operations, Loan Servicing, Customer Service/Ebanking, and BSA

While serving as a key member of the Senior Leadership Team (SLT), collaborating on organizational objectives through participation in weekly SLT update sessions, quarterly Asset & Liability Committee (ALCO), and monthly Bank earnings calls.Highlights of accomplishment in this role include:➙ I established and oversaw insurance agency subsidiary of bank to cross-sell deposit and loan products by designing business plan, helped formulate GTM strategy, and identifying tech stack for new entity. ➙ I identified new markets, conceptualized new ideas, and performed competitive analysis by conducting peer bank reviews to analyze bank websites, financial statements (10k, call report), and bank-specific products. ➙ I improved profit and reduced risk by creating an ROE model for commercial lending team in collaboration with accounting staff to analyze deals with keen attention to detail.➙ I evaluated and translated new business ideas into viable actions to create business use cases for new/existing lines of business by conducting financial analysis. Examples included research and feasibility of launching credit card servicing and equipment financing lines of business.➙ I developed liquidity model to predict cash inflows and outflows for the Bank’s largest deposit concentration which represented 50% of total deposits. ➙ I participated in a podcast about intrapreneurship within companies focused on successful launch of insurance operations.

Vice President, Operations, I oversaw deposit operations, call center, ACH, items processing (electronic check review), deposit compliance, electronic banking (ROB, BOB, and Mobile), debit cards, ATMs, and new account QC while leading multiple departments, including 30+ FTEs and a team of three personnel in India. Highlights of accomplishment in this role include:➙ Provided executive-level leadership in establishing market position by developing and maintaining customer experience standards. Achieve departmental goals and adhere to customer service standards while managing and leading a high-performing team.➙ Successfully established the Call Center from the ground up supporting approximately 250 calls per day, achieving < 30-second wait time, 12% survey response rate, and 94% CSAT.➙ Collaborated with 3rd party debit card risk analytics team to diminish customer impact of rejected transactions while increasing interchange revenue by 26% and keeping card losses at circa 6% of interchange revenue.➙ Streamlined overall operations while leading technology innovations by implementing Zelle, bill matrix (loan payment platform), a new items processing platform, a new debit card platform, a new business mobile app, a new return items platform, and a customer service platform (Zendesk).

While serving as a Head of Internal Audit, I provided strategic and thought leadership in the development of a risk-based internal audit plan, including overseeing the implementation of the approved plan while actively participating in the executive-level IT Steering Committee, Compliance Committee, and Process Improvement Committee. Highlights of accomplishment in this role include:➙ Successfully developed the Internal Audit process/plan from the ground up, including the development of an audit methodology, risk assessment, audit plan, and budget.➙ Developed standardized and risk-based Board Reporting over the audit plan status and results of issue follow-up.

Throughout my tenure as an Audit Manager at Santander Bank, I provided directional leadership to 4 employees, including reviewing work papers and issuing review notes while serving as a mentor for other auditors within the group. I led regulatory remediation efforts on behalf of the Internal Audit Department, including validation of issues, communication of results to multiple regulatory bodies, and developing executive committee reporting. I established and sustained healthy working relationships with executive team members ensuring continuous understanding of the audit environment while fostering a “trusted advisor” relationship. Highlights of accomplishment in this role include:➙ Conducted organization-wide risk assessments to identify significant risks related to internal controls and compliance in an efficient manner.➙ Evaluated the adequacy of SOX control testing performed by the 1st and 2nd lines of defense.

➙ Assisted in the execution, implementation, and revisions of the Model Audit Rule (similar to Sarbanes Oxley)➙ Responsible for researching, evaluating, and choosing the vendor (TeamMate) for automated workpapers for the Internal Audit Department. Acted as TeamMate Champion (system administrator) for Internal Audit Department➙ Assisted management in reviewing SSAE16 reports and mapping recommended User Control Considerations to current control environment to identify and remediate gaps➙ Executed Consulting, Compliance, Operational, Model Audit Rule, and IT General Control audits of multiple business units resulting in strong value added recommendations➙ Drafted audit reports in accordance with division standards to clearly communicate risks and core audit issues➙ Maintained a thorough understanding of organizational goals, strategies, metrics, industry trends, products and services, and processes to ensure business units receive quality, timely and risk focused audit services➙ Responsible for the oversight, training, and review of all workpapers for two Internal Audit interns and reviewed testing of Staff Auditor for Model Audit Rule compliance project ➙ Interacted with all levels Senior Management to understand and document key controls, communicate issues, and recommend enhancements to control structure➙ Monitored client remediation efforts and validated all information was properly maintained in remediation tracking tool

➙ Performed audit work as assigned using the Division’s Audit Methodology to evaluate risk, determine controls objectives, and verify the extent to which client control techniques met those objectives➙ Interacted with Senior Management to understand and document key controls, communicate issues, and recommend enhancements to control structure➙ Assisted in charge Auditor with planning including researching domestic and international laws and regulations applicable to the area under review➙ Performed Sarbanes Oxley testing by completing walkthroughs to assess control design and also performed detailed testing to assess the operating effectiveness of each control

➙ Prepared MD&A, financial statements, and financial highlights for multiple mutual fund clients.➙ Prepared and monitored daily, weekly, and monthly regulatory testing in compliance with SEC and IRS standards.➙ Prepared and reviewed daily accounting accruals and assisted in the preparation of mutual fund budgets.