DIRECTOR OF ENTERPRISE RISK AND COMPLIANCE (2016 - 2024)• Led Risk Management across the organization, driving the execution of the ERM Program, ensuring consistent identification, measurement, monitoring, control, and reporting of risk across all lines of business utilizing an industry standard risk management framework and software tools. • Designed, established, and implemented the Bank’s Enterprise Risk Management Program with direct oversight of Enterprise Risk, Consumer Compliance, CRA, the BSA/AML Program, Third Party Risk Management, GLBA Compliance, Model Risk Management, Wealth Management Compliance, and Incident Response. • Manage Safety and Soundness and Compliance Examinations, provide examination responses, and oversee corrective actions when necessary. Responsible for establishing a centralized oversight process to support preparation of responses and project plans to address identified regulatory matters and ensure appropriate remediation and execution.• Responsible for Enterprise Risk Management reporting at the Board and Senior Management levels. • Facilitate Operational Assurance meetings focused on emerging risk and risk mitigation strategies. • Responsible for Compliance Risk Management, policies, processes, personnel, and related reporting.• Provide directives concerning all new or amended regulations; identify and meet training needs; develop policies as required; ensure that appropriate compliance audits and monitoring reviews are being performed and verify that appropriate corrective action is taken on identified deficiencies.

Compliance Officer • Designed, and implemented the Bank’s Compliance Risk Management Program. • Responsible for all Compliance Risk Management strategies, policies, processes, personnel, and related reporting.• Provided directives for all new or amended regulations; identified and delivered training; developed policies as required; ensured that appropriate compliance audits and monitoring reviews were being performed and verified that appropriate corrective action had been taken on identified deficiencies. • Performed a Compliance Risk Assessment designed to minimize compliance risks, allocate resources, and direct the focus of the Audit and Monitoring Programs.• Established the Risk Management Committee; managed the agenda and maintained meeting minutes. Presented audit findings, items tracking, and audit status updates to the Committee. • Provided the Board and Audit Committee with training and Compliance updates. • Provided oversight and expertise to the Bank Secrecy Act Officer. Developed and implemented the comprehensive BSA/AML Program. Acted as project leader for the selection and implementation of the Bank’s BSA/AML Software System.• Coordinated FDIC and State Compliance Examinations.  Audit Director• Responsible for the implementation and oversight of the Bank’s risk based Audit Plan. • Developed and implemented an Enterprise-Wide Audit Risk Assessment. • Directed the timing and scope of all audits and final reports with the third party audit firm. • Managed the Bank’s Consolidated Items Tracking Database for tracking audit findings and Examination comments through to final resolution. • Coordinated database updates and prepared regular reports for the Risk Committee and the Audit Committee. • Led Audit Committee Meetings, presented Audit and Examination Findings, informed the Committee of the Audit Program status and the resolution of open items. Managed the agenda and created and maintained meeting minutes.

Compliance Officer • Designed, established, and implemented the Bank’s comprehensive Compliance Risk Management Program.• Responsible for all Compliance Risk Management strategies, policies, processes, personnel, and related reporting.• Served as the Secretary of the Risk Management Committee; led compliance discussions. • Trained the Board and Audit Committee annually on Compliance requirements and updates.• Provided directives for all new or amended regulations; identified and delivered training; developed policies as required; ensured that appropriate compliance audits and monitoring reviews were being performed and verified that appropriate corrective action had been taken on identified deficiencies. • Performed a Compliance Risk Assessment on an annual basis designed to minimize compliance risks, allocate resources, and direct the focus of the Audit and Monitoring Programs. • Served as the Bank’s Regulation O Officer.• Coordinated the FDIC and State Compliance Examinations and Visitations. Audit Director • Responsible for the implementation and oversight of the Bank’s risk-based three year Audit Plan. • Developed and implemented an Enterprise-Wide Audit Risk Assessment. • Directed the timing and scope of all audits and final reports with the third party audit firm. • Managed the Items Tracking Database for audit and Examination findings through final resolution. • Coordinated database updates and prepared reports for the Risk Committee and the Audit Committee. • Acted as Secretary of the Audit Committee, presented Audit and Examination Findings, the Audit Program status, the resolution of open items, managed the agenda, and created and maintained meeting minutes.

• Director of the Compliance Audit and Compliance Consulting practice with a deep understanding of regulatory frameworks, compliance best practices, and a proven track record of advising organizations on compliance strategies. Mentored, guided and managed team members, investing in their future success and the success of the Firm.• Developed and implemented comprehensive compliance programs tailored to clients' unique needs and industry regulations.• Provided input to the strategic direction of Sheshunoff’s Compliance Solutions and Advisory practice.• Managed a diverse book of business with multiple high-profile client relationships, maintaining overall responsibility for the effective delivery of all client-related work within the portfolio. • Conducted compliance audits, assessments, and reviews, identifying areas for improvement and recommending corrective actions, including data analysis and utilization of technology tools in support of such recommendations. • Provided expert guidance on complex compliance issues, researched client legal questions and provided technical expertise of Federal and State Compliance Laws and Regulations. Identified and communicated industry-wide best practices serving as a trusted advisor to clients. • Stayed current with evolving compliance regulations and industry trends, including applicable technology, applying this knowledge to guide clients effectively.• Generated go-to-market materials and thought leadership, including industry-specific guidance including a full-service outsourced solution to manage compliance risk.• Leveraged experience and professional network to drive growth and identify new proposal opportunities.

• Supported assigned Lines of Business in all aspects of regulatory risk management. • Monitored changes to Federal & State laws and regulations, communicated changes and best practices to Senior Management. • Completed risk assessments of new products and services, systems, and emerging initiatives. • Supported internal and external audit and examination preparation and management. • Assisted in the development and implementation of effective compliance and training programs. • Monitored and tracked corrective action taken by the business units to address regulatory violations or deficiencies to final resolution.Key Responsibilities and Projects:• OFAC: Chair OFAC Task Force; led bank-wide project to evaluate the company’s OFAC Compliance Program, Policies, and Procedures and implemented the recommendations. • Privacy: Project Manager for the Bank’s Privacy initiatives; monitored Federal and State Privacy Regulations and provided guidance and oversight for timely and accurate implementation. • Manager Compliance Validation Team: Managed staff of auditors to plan and perform compliance testing/monitoring reviews to ensure compliance with Federal & State regulatory requirements and Bank Policies and Procedures. • Electronic Banking: Acted as the central compliance project manager and Subject Matter Resource for the Bank’s E-Commerce Internet Banking initiatives. Performed compliance, privacy, data security and control risk assessments of various internet banking projects. • Deposit Operations: Supported both foreign and domestic Deposit Operations areas of the Bank. Provided technical support and legal expertise. Ensured compliance with internal policies and procedures as well as regulatory compliance. Developed compliance programs and risk assessments for key areas.

• Managed client engagements from entrance to exit meeting, including the planning, execution, final report preparation, presentation of findings, and related risk assessments. • Performed comprehensive reviews and other services concerning regulatory compliance for banks, credit unions, broker dealers and other financial institutions, identified strengths and weaknesses, and coordinated the implementation of policies and procedures correcting any deficiencies. • Provided expert guidance on complex compliance issues, researched client legal questions and provided technical expertise of Federal and State Compliance Laws and Regulations. Identified and communicated industry-wide best practices serving as a trusted advisor to clients. • Ensured compliance with Federal and State Regulations, including: Reg O, TISA, Reg Z, Reg CC, Reg E, the Bank Secrecy Act, USA PATRIOT Act, Money Laundering Deterrence, Reg D, RESPA, ECOA, HMDA, and various Massachusetts Regulatory provisions through onsite evaluation and testing. • Stayed current with evolving compliance regulations and industry trends, including applicable technologies, applying this knowledge to guide clients effectively.• Assisted in the preparation of responses to regulatory examinations.

• Managed, supervised, and directed examinations of state chartered financial institutions. Responsible for ensuring regulatory compliance with federal and state consumer protection laws and promoting the overall safety and soundness of supervised institutions through on site examinations. • Evaluated institutions’ financial stability through an analysis of the balance sheet and income statement, managerial and lending policies, operating controls, asset quality, liquidity, risk management, and interest rate sensitivity. • Prepared written reports assessing the financial condition and compliance of the entity, noting and reporting irregularities and violations of banking laws and regulations.• Conducted exit meetings meeting with financial institution senior management and/or boards of directors to discuss the findings of the examination, discuss corrective programs, and obtain commitments for correction of deficiencies.