Senior risk manager with an active role in engagement management, project management and key account business development. Leads program compliance field reviews for Ginnie Mae Issuers and Document Custodians. Develops finding reports and other business deliverables.

Senior cyber-enabled crime investigator with accountability to standardize investigative techniques and intelligence sharing process. Shared responsibility for intelligence collection activities for ingesting, analyzing, sharing with appropriate internal and external stakeholders. Conduct victim interviews, prepare cyber assessments and preserve evidentiary artifacts for law enforcement referrals.• Lead cyber-enabled crime response coordination across bank’s eight lines of business and increased case referrals by 50%.• Champion bank capabilities and made new client referrals with potential new business value of $2-3M.

Supported single class securities functions in product development, maintenance, disclosure design and enhancement (including personal identifiable information risk management), issuance and performance standards. • Advocated for investor interests based on market feedback, GSE competition and regulatory requirements and achieved greater duration dispersion which brought new unique investors.• Improved product visibility and disclosure distribution through partnerships across the business (operations and legal).• Helped develop and implemented the uniform mortgage-backed securities disclosure requirements which is the only single class security issued by the GSEs.

Provided policy guidance to executive management on single family and multifamily MBS and REMIC performance in the capital markets. Actively liaised with industry trade groups and sister agencies as the subject matter expert on policies that impact the nation’s housing market including GSE Reform, Basel III, Dodd-Frank Act and Reg AB II. Managed 10-15 contractors (accountants, modelers and trust administrators) and division’s annual budget.• Co-authored disclosure recommendation that was implemented and improved MBS pricing and transparency.• Authored policy updates to FHASecure, Hope for Homeowners, jumbo loan and loan modification securitizations for Ginnie Mae MBS execution.• Formulated and implemented an MX fee policy which generated over $20M in revenue during tenure.

New business development partner - secured clients with projects from 5 single-family units to 1,200 mixed use units valued from $5M to over $100M. Provided timely and accurate pro formas for client, bank and investor review. Consultant to a Big 4 accounting firm on securitized transactions and housing crisis reform to support a federal government client. Expert witness in a federal real estate fraud case brought by the FBI.• Brokered over $70M in private funding.• Assembled a network of engineers, land developers and builders to assist clients with projects that were behind schedule or without qualified resources.

Managed the team responsible for the accuracy and monthly issuance of over 3,000 negotiated adjustable-rate mortgage prospectus supplements and the ongoing related data elements published for all single-family (and some multifamily) Fannie Mae MBS. Maintained disclosure timeliness and accuracy using metrics to identify root causes and recommended corrective actions. Recruited, managed and mentored 13 professionals.• Staffed and trained team to more efficiently process prospectus supplements reducing team error rate to < 1%.• Cross trained business partners to reduce their error rates by 15%.

Vice President/Senior Product Manager, Institutional Trust (June 2003 – April 2004)Applied strategic and creative thinking that developed new opportunities and product strategies for federal, state, local and international government contracts. Managed the P&L for $55MM in contracts that generated 150% in ROI. Advised senior management on operational and system inefficiencies to improve collateral management and processing times.Vice President/MBS and Structured Products, Institutional Trust (October 1998 – June 2003)Directed five product lines: single-family, multifamily and structured securitizations, customer service and training. Provided support for a mortgage and securities fraud case in Charlotte, NC. Lead 4 direct reports and 25 team members.Selected Achievements• Subject matter expert on government contracting matters related to the FAR. Received highest internal and external audit ratings.• Project Manager charged to move $880B in physical MBS certificates from DTC to book-entry at the Fed.

Reviewed and approved REMIC structures proposed by Wall Street broker/dealers and the related disclosure documents for issuance. Directed the new product development and implementation team. Prepared and delivered product descriptions and budget projections for OMB hearings. Managed over 40 professional contractors as a GTR or GTM (accountants, lawyers and trustees) who supported the program’s ongoing administration. Selected Accomplishments • Expanded product line to include Re-REMICs, Callable REMICs, and MX REMICs.• Increased REMIC program participation over 826% using voice of the customer activities. • Closed over $28B REMIC and $250B Platinum transactions for more than $15M in guarantee fees. • Presented at industry events and private events to high ranking political appointees and foreign delegates.Securities Administration SpecialistAnalyzed current and new policy changes to federal home mortgage programs and their effect on Ginnie Mae’s MBS program. Recommended to senior management changes to Ginnie Mae’s MBS policies, procedures and disclosure documents. Helped manage a $75M contract that perfected the public/private partnership model. As a Government Technical Monitor, I co-managed a contractor with over 100 employees. The catalyst that revitalized the Rural Housing Service Program (formerly Farmer’s Home and now Rural Development). Delivered speeches at various mortgage industry events. Selected Accomplishments • Received 3 Hammer Awards from former Vice President Al Gore for the business process redesign and reorganization of Ginnie Mae, which saved customers over $300M in 1996. • Awarded an Acknowledgement of Service by the Rural Housing Service Administrator.

Marketed and sold limited partnerships, mutual funds, stocks, bonds, and insurance products to individuals and corporate clients. Held Series 7, 63 and 11 licenses.