Senior ERM Director with responsibilities for oversight of the Consumer Bank, Wealth and Asset Management, Commercial Bank, Operations,and Digital channel.

Drives effective implementation of the Enterprise Risk Management framework across Operations, The Consumer Bank, and the Digital and Marketing channels. Provides oversight and challenges significant business processes to ensure that the business has an effective control framework and control gaps are identified and remediated. Responsible for leading risk discussions within the business and promoting open and affective communication between ERM and the business on risk issues and risk management methodologies. Monitor, assess, and communicate emerging risks within the line of business in the industry to evaluate the impact of potential new risks. Responsible for oversight and governance of all ERM programs executed on by the Retail Bank and Digital Chanel. Responsible for effective communication and partnership across all lines of defense, senior leadership, and the business to appropriately mitigate and manage risk.

Focus on Fraud Governance and Strategy while interacting with senior leadership and major stakeholders in the following areas:•Fraud and Identity Theft Program •Corporate and Wholesale Policies & Standards•Training development for Fraud and Identity Theft•Maintain a working knowledge and inventory of key fraud related regulatory requirements and guidelines and assess their impact to Program tools/processes •Create and maintain operational processes/procedures for key team functions•Design and lead internally focused or cross functional projects to remediate identified issues and enhance controls and business processes; provide fraud and identity theft subject matter expertise•Align with Operational Risk partners •Manage information requests and coordination efforts related to audits and exams of the Fraud and Identity Theft Programs or requests from other key stakeholders

First line of defense for operations. Conducts analysis related to identifying, assessing, mitigating, andmanaging risks necessary to comply with new or changing laws, regulations, regulatory guidance,and best practices deemed necessary by key stakeholders (suchasLegal, Compliance, EnterpriseRisk and Audit partners). Responsible for advancing risk management, structure,processes, and tools in support of the Enterprise Risk Managementframework. Monitors and manages risks to ensure compliance and validation ofprogram effectiveness with assigned line of business or functional area, and Bancorpinitiatives.Responsible and accountable for risk by openly exchanging ideas and opinions, elevatingconcerns, and personally following policies and procedures as defined. Accountable for alwaysdoing the right thing for customers and colleagues, and ensures thatactions and behaviors drive apositive customer experience. While operating within the Bank's risk appetite, achieves resultsby consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

Leads in the identification and assessment of risks (Fair Lending,Responsible Banking, CRA) and the execution of procedures to evaluate the Bancorp's compliance with laws, regulations and industry standards. Assess the adequacy of the business units'/affiliate's recommended corrective action to the issues or gaps identified.Participates and/or leads regular meetings with peers to build and maintain knowledge of current and emerging issues and risk in the environment.Recommends solutions based upon subject matter expertise.Manage the compliance Risk Assessment

Led fraud strategy for consumer lending and internal fraud Responsible for creation, enhancement, and delivery of monthly portfolio reviews for consumer lending and internal fraud designed to identify emerging fraud risk issues and appropriately prioritize action items to manage exposureDeveloped governance routines align with current regulatory environment, ensure proper documentation, and adhere to audit guidanceDeveloped and led executive dashboards for red flags reporting and suspicious activity reportingDeveloped and trained exempt level employee focused on fraud loss management, executive level communications, red flags, gap identification and remediation, and varying other reporting and analyticsPartner with Risk Finance to develop loss reporting and implement a standardized reporting deck to be used internally and with all business partnersModel owner for the Corelogic model working with model risk management team, the vendor, and the regulatory bodies to ensure effective model performance and documentationOversight, management, and closure of all audit issues related to consumer lending, internal fraud, and modelingBuild partnerships across the line of business, legal, and compliance to enhance the consumer loan fraud programResponsible for understanding current trends in the industry and their impact on fraud risk managementAnalyze data and trends to determine effectiveness of and drive change for the fraud risk management program

Maintained all roles and responsibilities of the Operational Risk Specialist position with role expansionEnhanced the risk culture by strong partnerships across all risk types and the line of business to be a trusted advisor and strong risk managerKept abreast of the issues and concerns of outside regulatory bodies and their impact on the business line. Monitor general economic conditions, industry trends and product specific issues related to mortgage, collections, default, and indirectLed gap analysis and implementation for high risk products in the mortgage line of businessCreated a position, lead, and developed a consumer leadership program employee

Managed oversight and approval of the risk program activities for the consumer bank. Programs include, but are not limited to key risk indicators, risk control self assessments, Sarbanes Oxley, new products/new initiatives, policy/guideline reviews, data security, and operational lossesWorked with the line of business to identify, create, and appropriately identify RCSA assessmentsPartner with consumer line of business, legal, and compliance for risk issue identification, escalation and resolution Serve as lead resource and provide guidance to the line of business on all operational risk management issues and acted as a liaison for all of the risk categoriesProvide input to Enterprise Risk on corporate-wide programs to ensure their effectivenessLed and effectively communicated operational risk trends, issues, and events up through executive levels