WHEM Risk & Control Lead - Treasury and Merchant Services / Payments Client Service & Implementations (CS&I)• First Line of Defense (1LOD) Operational Risk & Control Management function to the global Payments / Treasury and Merchant Services middle office.• Manage global team of 35 FTE in the execution of all facets of the operational risk framework across the Payments middle office in the Western Hemisphere: Process, Risk and Control Assessments, Risk Identification and Mitigation, Control Design, Issue Root Cause Analysis, Remediation and Sustainability, Risk and Control Self-Assessment (RCSA), Audit and Exam Management, New Product and Process Change Risk Assessment, Loss Event Management, and Data Breach Management.

Global Risk & Control Lead - Treasury Services / Payments Implementations (middle office)• First Line of Defense (1LOD) Operational Risk & Control Management function to the global Payments / Treasury Services Client On-boarding function.• Manage the execution of all facets of the operational risk framework across the Payments Implementations function: Process, Risk and Control Assessments, Risk Identification and Mitigation, Control Design, Issue Root Cause Analysis, Remediation and Sustainability, Risk and Control Self-Assessment (RCSA), Audit and Exam Management, New Product and Process Change Risk Assessment, Loss Event Management, and Data Breach Management.• Manage global Quality Assurance team of 8 FTE and global Procedures Management team of 7 FTE.

Operational risk & control team imbedded in the Markets business - First Line of Defense• Manage team of 6 in the execution of all facets of the operational risk framework across the Markets business in North America: Risk Governance, RCSA, Inherent and Residual Risk Assessment, Risk Identification and Mitigation, Issue Remediation and Sustainability, New Product and Process Change Assessment, Loss Event Management, and Scenario Analysis.

Returned to CIB Compliance to re-invigorate the Operational Risk and Control Management agenda across Compliance.• Risk and Control Self Assessment (RCSA) Program Manager and Global Compliance Lead• Implemented global coverage model to manage key areas of operational risk: Global Control Room, Disclosure of Interest, and Trade Surveillance – managing global control officers through annual RCSA.• Designed and implemented emerging risk review process for assessing internal and external loss data, and the operational risk issue database for cross-regional and cross-line of business risk themes.

Charter member of new 2LOD unit implementing the Operational Risk agenda across CIB. North America lead for Operational Risk coverage of back office functional areas. • Responsible for executing all facets of the Operational Risk Management Framework including Risk and Control Governance, Risk & Loss Event Management, Inherent & Residual Risk Assessment, Risk Issue Remediation, Risk and Control Self Assessment (RCSA), and Scenario Analysis.• Operational Risk representative to key programs; Third Party Oversight, Cross Border, Inter-Affiliate Services, Conflicts of Interest, New Business Initiatives, Regulatory Reporting, and User Developed Tools.• Risk and Control Self Assessment (RCSA) Program oversight and global lead of annual RCSA Independent Challenge program.

• Founding member of Compliance Control Management, a start-up within Compliance focused on Operational Risk and Control topics and Management Metrics across the global CIB Compliance function.• Risk and Control Self Assessment (RCSA) Program Manager and Global Compliance Lead – delivering a from-scratch RCSA framework across CIB Compliance.

• Joined OR leadership as part of an Operational Risk functional re-org in the Americas.• Responsible for all facets of OR including Risk Events, Risk Identification and Mitigation, Issue and Policy Exception Management, Control Assurance Testing, New Product Approval, Process Change Assessments, Loss Data Management and Reporting, Risk Assessments and Scenario Analyses.• RCSA Program Manager.• OR lead to RBS Americas Vendor Management / Third Party Assurance Program.

Business Management for Chief Risk Officer, Global Banking & Markets (GBM) Americas• Managed a range of business and program management assignments across all risk areas – Credit, Market, Operational and Regulatory Risk & Compliance – with particular focus on Regulatory Risk & AML.

Internal management consulting and implementation unit to the Corporate Banking business, delivering front-through-back office change initiatives. Significant engagements included:• US and Asian Implementation of LoanIQ, key to the roll-out of the global strategic lending operating model. • Delivered Canadian banking license application allowing RBS to enter a new marketplace. • Implemented Borrower in Custody (BIC) program to bolster liquidity management. • RBS / ABN AMRO Merger Integration

Project management to Product Control / Finance, implementing improvements for debt derivative trading. Worked with Finance, the Desk, Operational Risk, and IT to enable new products and PnL management.

Delivered business and technology solutions for wholesale banking organizations. Significant engagements included:Loan Servicing Team Manager | Mortgage Banking SOX 404 Readiness - Led Countrywide Financial's Sarbanes-Oxley Section 404 Readiness across the Home Loan Servicing organization.Renewed Merrill Lynch’s commercial lending business via a new processing environment based on commercial lending package, LoanIQ. Leveraged LoanIQ across multiple banking businesses globally.