Finance, Treasury, and Digital Service Risk Oversight

Direct the day-to-day risk management activities of a dynamic cross-functional team ensuring alignment with organizational needs and objectives. Partner cross-functionally to develop risk frameworks capable of identifying, managing, monitoring, measuring, and reporting threats. Strong understanding of banking laws and regulatory requirements. Serve as the subject matter expert in internal and external risk audits. Inquisitive research industry practices for emerging technology and risk management solutions focused on continuous improvement. • Analyzing risk management programs to ensure alignment with business objectives to allow for efficient and effective in risk identification, accurate measurement, and appropriate monitoring.• Implementing a Center of Excellence framework to utilize Robotic Process Automation, Artificial Intelligence, and Voice Identification that will save $10 mil in efficiency while increasing effectiveness. • Developed an assessment to measure Risk Management Maturity based on OCC guidelines to report results to the Board. • Integrated operations and compliance (AML, UDAAP, Fair Lending, and GLBA) risk assessments to provide consistency in assessment, monitoring, and reporting while reducing costs of execution.

Led the design and implementation of multiple risk assessment protocols associated with key business practices. Identified and advised on risk trends and mitigation solutions. Cultivated critical business relationships leveraged to collaborate on risk mitigation. Evaluated risk management procedure to self-identify areas of opportunity and proper reporting. Served as point of contact for operational and compliance risk evaluations. Oversaw control design and testing to enhance process efficiency while mitigating risk. • Effectively identified, reported, and remediated risks through comprehensive analysis and the development of mitigation strategies. • Created and efficiently executed control testing plans for all deposit operations to ensure effective control design that adequately mitigates inherent risks.• Developed a proactive review of business processes to ensure effective and efficient controls were designed to mitigate risk.

Managed key workstreams of originations, tax reporting, and user access management in the development and implementation of a new core platform system. Supervised and mentored a cross-functional team to ensure successful project deliverables. Provided strategic direction to a team of four individuals ensuring success. Documented transition requirements. Approver for system process designs. Collaborated cross-departmentally to resolve issues. Prepared and presented project progress to stakeholders. Analyzed operational processes to identify and recommend solutions for improvements in effectiveness and efficiency. • Effectively tested system operations through the design and implementation of test cases. • Championed the implementation of a Deposit Core Banking Platform saving significant annual costs and reduction of product launch cycle time. • Strategically secured all-level buy-in in the management and prioritization of solutions.

Progressed through multiple roles within increased accountability over the internal audit process. Oversaw the operational audit process for all Consumer Lending Products and Anti-Money Laundering activities. Provided strategic direction of the risk-based audit processes. Developed the scope of the risk assessment in adherence to standard methodology. Evaluated the design of risk management control structure. Designed tests to identify risk mitigation initiative effectiveness. Documented and communicate audit results to senior management. Fostered relationships with audit clients. Performed risk assessments at the entity and specific process level.• Successfully created and established the Internal Audit Universe for the Consumer Lending Products. • Achieved two promotions leading to a position in management by demonstrating expertise.

• Performed reviews of client files in conjunction with the PATRIOT Act of 2001• Evaluated customer accounts in compliance with Regulation D• Recommended financial products to clients based on specific financial situations and needs• Educated clients on all financial products and disclosures• Maintained investor profiles and application files for auditing purposes• Obtained a Series 6, Series 63, and Life Insurance license

• Educated colleagues on mortgage guidelines and disclosures• Made recommendations to colleagues and clients regarding loan terms and products• Performed appraisal reviews to determine accuracy and loan terms• Reviewed title information to secure lien payoffs as well as new lien positions• Managed client relations teams of 10 employees in all phases of client relations