Javier Hernandez Email & Phone Number

Houston, Tx, Us

Birmingham, Alabama, Us

Responsibilities for Non-Financial Risk Management strategy and oversight, reporting to the Chief Risk Officer of Regions Bank, including:- Governance, appetite, identification, mitigation, measurement, monitoring and reporting of non-financial risks.- Valuable partnership with lines of business and functional units to facilitate effective and efficient identification, management and mitigation of non-financial risks.- Design and management of the following programs: operational risk and control components of the integrated risk assessment, operational loss, Sarbanes-Oxley, scenario analysis, enterprise risk testing, third party risk management, fraud oversight.

Birmingham, Al, Us

Built, developed, mentored, and managed Risk Management Team across seven states. Reported to BBVA USA Country Manager, Chief Risk Officer of BBVA, and Chairman of Risk Committee of the Board of Directors. Managed operating budget. Interacted regularly with Board of Directors and regulators. - Member, BBVA USA Management Committee and BBVA Global Risk Management Committee. - Chair: US Risk Management Committee, Allowance Oversight Committee, Model Risk Committee and New Products and Services Committee (oversaw Fintech acquisition and digital ventures.)- Partnered with lines of business to Increase Consumer Lending + Credit Card revenue; grow loan portfolio; boost net income; expand C&I portfolio. - Played key role, partnering with Business and Engineering, to lead buildout of profitable end-to-end digital origination system for consumer lending and credit card businesses; forged partnerships with Fintech players. - Implemented the Capital Planning Process in partnership with CFO and finance team; positioned the business to pass all CCAR regulatory tests. - Built and scaled the Enterprise Risk Management Program from the ground up that spanned diverse financial and non-financial risks; governance and organization; risk appetite framework; risk measurement, assessment, monitoring, and reporting. - Created the infrastructure to meet regulatory expectations for liquidity management, model risk management, third party risk management, leveraged lending, market risk rule, and Volcker rule. - Played a key role in the upgrade of the Commercial Lending infrastructure- Improved internal and external customer experiences by cultivating work culture changes and championing a “one team” approach between Risk Management and Lines of Business.- Partnered with Commercial Banking to restructure the wholesale portfolio mix to a more viable and sustainable balance. - Headed implementation of new agile organizational model in 2018.

Bilbao, Vizcaya, Es

Conducted enterprise-wide risk assessments, including expected loss, economic capital, stress testing, scenario analysis, and risk integration. Led implementation of Basel II risk models and systems. - Traveled to Mexico, Peru, Colombia, Chile, and Argentina to monitor implementation and provide support to local banks. - Co-led implementation of value-based management system that included a business valuation process linked to strategic and financial levers, working with business leaders across the organization and countries. - Developed training materials for BBVA leadership and participated in conducting organization-wide training.- Enabled capital savings.- Empowered diverse team members to advance to leadership roles.

Bilbao, Vizcaya, Es

Member of cross-functional team serving in office of the Chairman.- Provided Chief of the Chairman’s Office with insights on strategic alternatives and business opportunities.

Boston, Ma, Us

Recruited from Bank of Spain to participate in the development and implementation of risk-adjusted return and economic value methodologies; led calculations of expected losses and economic capital associated with bank’s portfolio.

Master'S Degree (Centro Internacional Carlos V), Financial Services

Bachelor’S Degree, Econometrics And Quantitative Economics