Joseph Frazier Email & Phone Number

New York, United States

Senior Risk Manager for functional leaders reporting to the Chief Administration Officer for Personal Banking and Wealth Management (PBWM). Oversee, report and advise on the Global Risk and Management Control Assessment programs. Identify potential inherent risks and define options to minimize residual risk by engaging and advising functional partners. Perform periodic risk assessments and ensuring that control gaps are identified, remediated and monitored ensuring compliance with applicable regulatory requirements and internal policies/standards.

Managing key operational risk and control projects designed to streamline, standardize, simplify and speed up the execution of controls for the Global Consumer Bank. Drive work stream requirements, communication and reporting for senior management and regulators. Collaborate with business partners and global stakeholders to drive cross-work stream escalation and issue resolution. Oversight to implementation strategy, organizational change management, risk evaluation, execution and production support.

Responsible for project management activities and approvals supporting major and minor initiatives for the U.S. Retail Bank. Developed and delivered policy and procedural changes to national branch staff. Centralized a funds transfer function to address impending legislation, mitigate risk, and ensure a consistent client experience process for all consumer, small business, and commercial clients.

Vice president - Project StrategyManaging a team of Project Managers responsible for developing initiatives that define the strategic view of CBNA Risk Prevention and Asset Recovery. Direct hands on implementation of strategic planing, project managment, and financial analysis/modeling in the financial services industry. Reposibilities include vendor management, information security compliance, application management and database administration.

Spearheaded integration of top line compliance reporting for Mortgage Capital Division including student loans, commercial credit and mortgage lending.· Conceived, built and instituted Fraud Prevention Monitoring Program to support consumer and high net-worth clients for newly acquired start-up to protect firm from business losses and reputational risk. · Managed cross-functional team of 12 in design, development and implementation of Suspicious Activity Reporting, Customer Identification Procedures and Identity Theft Response compliance programs.· Managed regulatory and audit examinations to ensure adequacy of internal controls; presented and explained business procedures to Audit and Regulators to promote process effectiveness. · Created and presented Suspicious Activity Report package to Senior Managers, Board of Directors and Regulators providing analytics of nature and magnitude of risks associated with Bank’s activities.

Vice President, Loss Prevention Unit Manager (1996-2001)Developed and staffed team of senior business operations managers to mitigate business losses associated with fraud in consumer bank.· Led team of up to 16 in initiative to Centralize Risk Management Functions within Consumer Bank resulting in cost savings and realizing over $25M reduction in fraud losses. · Established, perpetuated and ensured effective loss prevention processes through case analysis.· Recruited, trained and mentored staff of 16 business professionals across 5 states to ensure program consistency, increased productivity and effectiveness.· Business liaison to law enforcement in their investigation and prosecution of criminal activities demonstrating positive corporate image.· Presented fraud reports to senior management promoting efficiency increases and losses averted.