Lead Ally's Recovery & Resolution Planning program.

Lead business line credit risk team responsible for consumer automotive loan loss forecasting, stress testing, and quarterly reserve-setting.

Led independent review & challenge of consumer and commercial auto credit risks related to business planning, quarterly reserves / allowance for credit losses, and other credit risk measurement activities. Scope of focus included when and how models were used and monitored to support risk management and business objectives.

• Perform stress tests to assess enterprise capital, liquidity, and earnings in times of economic and financial stress. • Analyze and articulate impacts of stress scenarios to Ally Financial lines of business (LOB) – Domestic and International Automotive, Mortgage, Insurance, and Banking.• Develop, manage, and distribute stress scenario macroeconomic forecasts for the US and five international countries to LOB and global functions.• Challenge and validate the application of stress scenario assumptions in LOB asset qualityanalysis. • Produce stress test presentations for executive leadership, the Board of Directors, the FDIC,and the Federal Reserve. • Appointed Stress Testing and Scenario Analysis representative for the enterprise capital planning Qualitative Review Process committee.

• Performed risk analysis on bank asset and liability management activities including the discretionary investment portfolio, capital management, funding, liquidity, and balance sheet management.• Monitored and analyzed unrealized gain/loss, credit, DV01, and duration profiles of securities in the CI discretionary investment portfolio.• Identified and evaluated violations of risk limits for municipal bonds and private label securities.• Performed analysis of value at risk, size, geographic concentration, sector concentration, and credit profiles against risk limits for CI discretionary investments, hedging activities and whole loans portfolios.• Researched and monitored counterparty credit capacities using the CreditStudio application.• Produced monthly structured notes report verifying accurate bookings for new issuances.• Presented risk summary of discretionary portfolio monthly to CI Risk and CI senior management.

BANK OF AMERICA, Global Risk Management Associate Program. • Rotational three-year management development program with an emphasis on interaction with senior management. o 2010 – 2011: Corporate Treasury (CT)/Corporate Investments (CI), Market Risk Associate o 2009 – 2010: Enterprise Stress Testing (EST), Macroeconomic Forecast Risk Associate o 2008 – 2009: Insurance Services (IS), Compliance & Operational Risk Associate• Formal curriculum with a focus on risk management skills and knowledge, business acumen, personal effectiveness, leadership, and project management.

• Served as primary contact for economic data and forecasts inquiries for 51 stress models.• Examined and challenged macroeconomic forecasts produced for enterprise stress testing.• Analyzed and articulated macroeconomic drivers of business stress forecasts.• Established robust and sustainable process for verifying and recording the use of EST macroeconomic forecasts by finance and line of business stress models.• Distributed, managed, and reconciled over 60 macroeconomic variables for August 2009, October 2009, and February 2010 EST cycles.• Generated macroeconomic commentary and charts for regulator and Board of Directors reporting for August 2009, October 2009, and February 2010 EST cycles.

• Designed Comprehensive Assessment of Risk (C.A.R.) tool for strategic assessment of growth opportunities across 4 major IS lines of business. • C.A.R. scores were a key factor in prioritizing 2010 IS strategic initiatives. This framework was introduced to Consumer Bank Risk Executives for usage in their lines of business.• Developed and analyzed over 60 risk and compliance metrics for use in the newly developed legacy Bank of America and legacy Countrywide combined IS Risk Dashboard. • Maintained and presented 90-Day Process Risk Rating Heat Map for 29 business processes and 89 product sales channels for merger related risk resource allocation.