• Chaired Credit Committee which oversees commercial, consumer and residential loan origination as well as asset quality and quality control/KRI metrics.• Responsible for troubled loan restructure/workout, short sales, foreclosures, and pursuit of deficiency balances. • Transitioned from Allowance for Loan and Lease Losses (ALLL) provisioning methodology to Current Expected Credit Loss (CECL); calculated quarterly quantitative and qualitative reserve requirements. • Developed, tested and launched credit aspects (underwriting criteria, monitoring and liquidation) for products desired by high-net-worth customers including Securities Based Lending (SBL) and Interest Rate Derivatives (back-to-back swaps, swaptions, forward starting swaps, and caps).• Owned the suite of credit policies including, the Statement of Credit, General Loan, Flood, Environmental Risk, Other Real Estate Owned (OREO), Appraisal, Allowance for Credit Losses (ACL) and Foreclosure.• Presented monthly credit risk management package to the Joint Board of Directors and Loan and Credit Risk Subcommittee.

• Replaced collections ecosystem (collections and recovery software, dialer and appraisal tools) to increase productivity, reduce credit losses, improve control environment and prepare for digital enablement.• Designed ‘Return to Normal’ consumer collections program to resume activity in a responsible and balanced manner after the expiry of 940 CMR 35:00 (Massachusetts Attorney General’s order prohibiting collections) during COVID-19 pandemic. • Authored a transformation plan with training and assessments to upskill staff to shift the dialog from a single payment transaction to strategies to improve management of the full collections and loss mitigation lifecycle including balancing capacity.• Approved for credit authority for Business Banking and consumer loan modifications.• Moderated and served as panelist for Massachusetts Mortgage Bankers Association and Massachusetts Association of Realtors webinars focused on servicing and credit related topics.

 Led the founding a new consumer lending business by securing regulatory approval, establishing infrastructure and piloting infrastructure and processes resulting in first year originations of $1.85B; exceeded year two strategic plan objectives for originations and profitability Oversaw day-to-day management of auto loan portfolio including funding, servicing quality oversight, and credit guidelines which ensures alignment to risk appetite, profitability, and business line objectives  Managed relationships with vendors including loan servicers, market data, technology, and consulting firms to further customer and dealer satisfaction Established a multi-workstream program to increase used auto penetration from 6% to 50% which included initiatives such as increased collateral enhancement for Certified Pre-Owned (CPO) units and adding the used auto product to the dealer incentive program Led asset acquisition initiatives by executing due diligence activities that informed multiple auto and RV asset acquisition opportunities

 Designed and managed the business controls team for Business Banking (revenues up to $25m) Prepared management responses and led execution of action plans to address supervisory matters Served as single point of contact to facilitate regulatory reviews for Business Banking Maintained approval authority for exceptions including wire, ACH, overdraft and policy Ensured 2nd Line of Defense risk management programs were actioned appropriately, including Information Security, Third Party, Operational, Compliance, and Business Continuity Risk programs As leadership team member, presented emerging and evolving risks to executive leadership monthly Led issue management activities, ensuring sustainability of remediation plans Managed affiliate relationships for Consumer Auto Portfolio for serviced lease and loan accounts

 Facilitated Operational Risk Assessments and Operational Risk Programs (including Operational Risk Event, Internal Loss Data Reporting, Business Continuity, Third Party Provider, and Information Security Risk) for the Dealer Floorplan, Commercial and Municipal Vehicle Finance, and Exotic Auto Lease business lines Developed risk reporting including Key Risk Indicators and Service Level Agreements establishing tolerances and remediation efforts when breaches occurred Represented line of business at Risk Committees and Working Groups Completed ad-hoc projects ensuring that initiatives were developed in manner that reduced friction

Business and Public Service Programs

 Served as thought and operational leader in modernizing IT management through sustainable practices such as development of standard technology stack, change management practices, and IT governance Implemented and managed the Ellucian Colleague Enterprise Resource Planning (ERP) and Recruiter Customer Relationship Management (CRM) products replacing antiquated systems including the integration of vendor provided short-term financing option for graduate student tuition Led development of 3-year strategic IT plan including budgeting, forecasting, and reconciliation which guided staffing and purchasing decisions Authored formal PMO process, artifacts, and governance structure to reduce cost, improve transparency and expedite time to delivery  Updated job descriptions across the entire organization in conjunction with ERP module implementation such that responsibilities were fit for purpose and aligned with end user entitlements

 Led two Agile teams in the delivery of a refactored post-trade management application resulting in enhanced platform capabilities and improved stability Engaged program leadership and executive team to manage risks, remove impediments, and execute the business vision during a period of organizational and technological change

 Utilized the unified process framework to manage the delivery of technical solutions to support the Massachusetts Department of Public Health’s Immunization Registry used by Epidemiology  Managed staff of analysts and support specialists responsible for the Immunization Registry

 Managed legacy decommissioning and performance optimization initiatives

 Facilitated the establishment, research, and led periodic reassessment of credit guidelines to support Basel II compliance Reengineered workflows to create opportunities for cost reduction, process efficiencies and risk reduction Evaluated value proposition of credit limit management software vendors, products, and professional services to replace a legacy, unsupported credit risk management application