Eva Cruz, Phd, Mba, Frm Email and Phone Number
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My current interests and professional experience encompass several distinct areas:1 - Executive leader in decision and risk analytics, predictive solutions (based on econometrics, statistics, AI/ML methodologies), and process improvement with multi-industry experience in financial services, banking, and energy (Truist, Bank of America, ConocoPhillips, American Express, Ally Financial, TD Bank and Fannie Mae). Adept at forming and managing high-performing teams of quantitative analysts to deliver a wide range of predictive models for implementation in high-impact processes. Banking experience encompasses models used in credit risk management, underwriting, fair lending monitoring, balance sheet and revenue forecasting, fraud risk detection, sanctions screening and AML alerting. Proven execution abilities across entire model life cycle: development, validation, governance, implementation, maintenance/changes and performance monitoring. Due diligence assessment of third-party tools prior to deployment in critical processes, and development of model risk governance processes, procedures, standards and documentation templates aligned with banking and financial services regulatory requirements. 2 - Angel/LP investor (no longer making new commitments), start-up advisor, nonprofit founder and board member, interested in educational quality and equity, particularly in my country of birth (Dominican Republic) and the LATAM region, and support for social impact entrepreneurs working on sustainable market-based business models (alternatives to VC or philanthropy-based funding).3- Promoter of critical thinking, data fluency and analytical competence, as well as raising math and science proficiency among students and decision makers.4- Process design and improvement orientation, leveraging business and finance knowledge and Six Sigma Black Belt & Master Black Belt certifications.5 - Academic research background in advanced process control, experimental design, decision support systems, simulation and mathematical optimization.
Quantdi
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Principal ConsultantQuantdi Aug 2023 - Present- Consultant and strategic advisor helping organizations integrate decision analytics in their strategy, data products and internal operations.- Experienced expert in real applications of modeling and advanced data analytics in highly-regulated financial services and banking processes.- Subject matter expert in model risk management, and model governance frameworks, concerning the deployment and use of AI/ML or any model-based application.- Due diligence advisor for founders, investors, and executives in assessing risk management and compliance readiness of AI/ML products and embedded technology. -
Risk Management AdvisorNew Frontier Analytics Sep 2024 - PresentAtlanta, Ga, UsAdvisor in the areas of credit risk, market risk and BSA/AML risk modeling, model validation and model risk management -
Svp, Head Of Compliance & Financial Crimes Model Development And MonitoringTruist May 2016 - Jul 2023Charlotte, North Carolina, Us* Led a team of quantitative analysts that build and maintain predictive models in support of risk management and compliance functions. Model scope included fraud detection, sanctions screening and AML alerting, among others.* Led the testing / evaluation of third-party vendor models used in Financial Crimes Risk Management as well as macroeconomic forecasting, and followed internal governance process to facilitate the model's validation and deployment.* Led team responsible for building fair lending monitoring models using statistical inference.* Led team responsible for ongoing monitoring of risk models in production, including implementation and execution of model monitoring plans and automation of monitoring reports.* Explored innovative approaches in risk modeling as well as improvements to the modeling process.* Created and maintained model development governance procedures and standards in scope across the entire Risk Management organization, aligned with regulatory expectations and model risk management principles.* Drafted model documentation templates used by multiple model development groups, based on 4 risk tiers, following SR-11-7 principles.Prior to SunTrust & BB&T merger:- Led a team of statistical and financial modelers engaged in the execution of model development, model implementation and model monitoring for the Finance and Treasury teams at SunTrust.- Responsible for model development, implementation and monitoring of PPNR (pre-provision net revenue) models, deposit balance and loan volume and spread models for the CCAR stress testing process, as well other Treasury models (e.g., liquidity stress testing).- Led the development and execution of regression models for fair lending monitoring in the Compliance organization.- Supported the adoption of vendor models for macroeconomic forecasting and stress scenario generation, including the documentation and monitoring along with other model risk governance requirements. -
Us Head Of Model Risk GovernanceTd Jul 2015 - May 2016Toronto, Ontario, CaLed a newly created Model Risk Governance function for TD Bank USA, implementing new procedures and a new model inventory system.Participated in the review of new CCAR models for conceptual soundness. -
Risk Director - Model ValidationAlly Financial Inc. Jan 2014 - Jul 2015Detroit, Mi, Us* Led model validation team within Ally's Model Risk Management organization.* Scope of models include pricing, loss forecasting, credit risk, portfolio valuation, balance sheet management, AML, loss reserves, and stress testing (CCAR & DFAST) models.* Ensured validation process complied with MRM policies and standards. -
Modeling & Analytics Project Manager IiiFannie Mae May 2012 - Jan 2014Washington, District Of Columbia, Us* Leveraged modeling background and mortgage industry knowledge to partner with modeling and analytics teams and support federal regulatory examinations, model validations, audit exams, and remediation of any related findings.* Supervised teams of external consultants\contractors as well as other project managers.* Led programs/projects in support of compliance with model risk governance requirements.* Developed model documentation guidelines / templates in alignment with OCC-2011-12 guidance. -
ConsultantSelf-Employed Jul 2008 - May 2012Strategic ConsultingBusiness Process ImprovementAdvanced Analytics and Predictive Tools (business intelligence, predictive modeling, process optimization)Six SigmaCredit Risk AnalyticsProject Management
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Svp, Risk ManagementBank Of America Feb 2006 - May 2008Charlotte, Nc, Us- Risk Management professional in the area of Consumer Real Estate, specifically residential mortgages, in charge of predictive analytics in support of Mortgage Risk and responsible for compliance with credit risk model governance policies.- Leader of a quantitative modelling and analytics team in charge of developing and monitoring credit risk models including decision scorecards, collections models, and loss and default forecasting tools. Responsible for interacting with regulatory agencies and internal auditors during model examinations, as well as back-testing credit risk models and running stress testing scenarios.- Portfolio analysis manager leading mortgage loan performance monitoring, vintage analysis, and reporting on key risk metrics.- Regularly presented and explained forecasting results to senior executives. -
Vp, Q&P Engineer IiiBank Of America May 2004 - Feb 2006Charlotte, Nc, Us- Certified Six Sigma Master Black Belt in charge of coaching Green Belt and Black Belt projects in Consumer Credit businesses (mortgage, home equity loans and credit cards).- Supported Risk Execs in Hoshin planning.- Led Management by Fact processes encompassing multiple projects aimed at improving a specific business metric.- Coached multiple DFSS projects. -
Six Sigma Black BeltAmerican Express Feb 2003 - Mar 2004New York, Ny, UsAccountable for Reengineering and Six Sigma goals tied to process improvement projects in the Latin America division of Global Establishment Services.Coached Green Belts toward certification. -
Senior EngineerConocophillips May 1999 - Dec 2002Houston, Texas, Us- Six Sigma Black Belt accountable for identifying and leading DMAIC projects at an oil refinery, aimed at decreasing costs or improving revenues through process improvements.- Internal consultant supporting multiple refineries as technical expert in the areas of advanced control, model development, plant simulations, operator training simulators.- Project lead in charge of developing and/or supporting refinery engineers to develop advanced control technologies, inferred properties estimators using statistical models, and implementation of simulation applications based on first-principles models. -
Research FacultyVirginia Polytechnic Institute And State University Sep 1997 - Jan 1999Managed research projects sponsored by U.S. Department of Energy, focused on optimization and scale-up of clean energy technologies, optical-fiber and video-based instrumentation, design of advanced process controls, fundamental dynamic model. and state-space modeling.
Eva Cruz, Phd, Mba, Frm Skills
Eva Cruz, Phd, Mba, Frm Education Details
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Virginia TechMining And Minerals Engineering -
Virginia TechMining And Minerals Engineering -
Pontificia Universidad Católica Madre Y MaestraElectronics Engineering -
University Of Florida - Warrington College Of BusinessMaster Of Business Administration - Mba
Frequently Asked Questions about Eva Cruz, Phd, Mba, Frm
What company does Eva Cruz, Phd, Mba, Frm work for?
Eva Cruz, Phd, Mba, Frm works for Quantdi
What is Eva Cruz, Phd, Mba, Frm's role at the current company?
Eva Cruz, Phd, Mba, Frm's current role is Decision Analytics, Optimization & Predictive Modeling Strategy | AI/ML Risk Management & Governance | Fractional Roles, Consultant & Strategic Advisor | Nonprofit Board | Passionate Advocate for Education🇺🇸🇩🇴.
What is Eva Cruz, Phd, Mba, Frm's email address?
Eva Cruz, Phd, Mba, Frm's email address is eb****@****uth.net
What is Eva Cruz, Phd, Mba, Frm's direct phone number?
Eva Cruz, Phd, Mba, Frm's direct phone number is +170475*****
What schools did Eva Cruz, Phd, Mba, Frm attend?
Eva Cruz, Phd, Mba, Frm attended Virginia Tech, Virginia Tech, Pontificia Universidad Católica Madre Y Maestra, University Of Florida - Warrington College Of Business.
What are some of Eva Cruz, Phd, Mba, Frm's interests?
Eva Cruz, Phd, Mba, Frm has interest in Animal Welfare, Children, Science And Technology.
What skills is Eva Cruz, Phd, Mba, Frm known for?
Eva Cruz, Phd, Mba, Frm has skills like Loanperformance Risk Model, Business Intelligence, Cross Functional Team Leadership, Analytics, Six Sigma, Risk Management, Sdlc, Financial Modeling, Process Improvement, Visio, Business Analysis, Sas.
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