Kirsten Muetzel, Cpa Email & Phone Number

Carmel, In, Us

* Panelist at Federal Reserve System's 8th Annual Fintech Conference (Oct 2024)* Panelist at Money 20/20 BCG Event (Oct 2024) “Scamdemic” * Panelist at AICPA Banks Conference (Sep 2024) "Fintech Relationships are Complicated"* Facilitator at Bankers' Roundtable (Oct 2024), attended by 40+ banks active in sponsor banking / embedded finance / BaaS. Held alongside Money 20/20. Bank attendees from FinWise Bank, Emprise Bank, Hatch Bank, Comerica, and more.* Panelist at Nelson Mullins "Fintech Banking School" (Aug 2024)* Speaker at Crowe "The Future of Fintech" webinar series installment, "Evaluating supervisory actions in bank-fintech partnerships" to best respond to regulatory scrutiny before, during & after establishing bank-fintech partnership (2024)* Panelist at Barack Ferrazzano Kirschbaum & Nagelberg LLP (BFKN, April 2024), speaking on "Operationalizing Regulatory Change & Contractual Provisions".* Panelist at the Alloy Labs Annual Member Meeting (April 2024), speaking on "A New Regulatory Stance".* Facilitator & moderator at Bankers' Roundtable (March 2024), attended by 40+ banks active in sponsor banking / embedded finance / BaaS. Held alongside FinTech Meetup. Bank attendees from FinWise Bank, Emprise Bank, Hatch Bank, Pacific West Bank, Evolve Bank, and more.

Finance (FP&A), Risk, Compliance & Internal Audit --------------------------------------------------------------Collaborating with entrepreneurs, innovative banks, investors, and attorneys to solve challenges in financial services through technological innovation.I serve as an interim resource or fractional executive to banks and fintechs that partner with banks to bring financial products & services to market. I advise CEOs, investors & board members of technology startups that serve financial institutions. My advisory services include: financial risk management / enterprise risk management; maximizing profitability while optimizing the pace of growth; product strategy vis-a-vis regulatory expectations; balancing investor demands within a highly regulated operating environment; among others.-----------This quote from Marty Chavez, former CFO of Goldman Sachs, describes why proactive clients seek my services:"I'm paid to enumerate every possible outcome and do something about every possible outcome well in advance, when it's still possible to do something, because once it's happened, it's too late."-------------Alternatively, when things have broken within a bank, you can call me to diagnose and treat the problem. Many of my client referrals come through attorneys that I work alongside. Outside of serving clients as an additional executive on their team, I also serve as an expert witness in challenging litigation. Attorneys appreciate my ability to use professional judgment in analyzing facts, to express myself clearly, to express complex material in a fashion that readily can be understood by those who do not have expertise in financial services, and to calmly address heated cross-examination by opposing counsel.-------------

Camp Grove Bancorp, Inc. is headquartered in Camp Grove, Illinois, and is the parent company of Camp Grove State Bank. Camp Grove State Bank has been providing banking services in Central Illinois since 1902. Camp Grove is regulated by the Federal Reserve Bank of Chicago.

New York City, Ny, Us

AI-powered regulatory compliance

Fundid is empowering business owners on their growth journeys by simplifying access to capital. 🌱 We are exclusively focusing on businesses with less than 10 employees in all that we do.------------------------------------------------------------------------------Serving as fractional Chief Risk Officer to CEO/founder of Fundid. Supporting on finance, audit, compliance, risk & regulatory matters.

* Facilitator at Bankers' Roundtable (2023), attended by 40+ banks active in sponsor banking / embedded finance / BaaS. Held alongside Money 20/20. Bank attendees from Coastal Community Bank, Lewis & Clark Bank, BankProv, Column, etc.* Panelist at the S&P Community Bankers Conference (2023), speaking on Third Party Risk Management, A New Spin on an Old Story* Panelist at the Nelson Mullins Financial Services Conference (2023), speaking on Regulation of FinTech* Panelist at the Bank Director FinXTech Conference, a leading financial technology event designed to help banks and fintechs develop strategic connections and explore cutting-edge financial technologies, and become experts on the partnership process (2023)* Speaker, Banking-as-a-Service (BaaS) Bootcamp, Barack Ferrazzano (BKFN) Financial Institutions Group, work with your regulators for a seamless launch and expansion (2022)* Guest Speaker on Breaking Banks, the #1 global fintech radio show and podcast with host Jason Henrich, CEO of Alloy Labs (2022)* Panelist at the Illinois Bankers Association, speaking on bank partnerships with fintechs (2021)

Richmond, Virginia, Us

After consulting for the Bank several months, in 4Q 2022, the Board of Directors offered me the role of President of the Fintech Division, which was the subject of an August 2022 formal agreement with the OCC. Given my extensive regulatory experience combined with "fintech" experience partnering with banks, I was well positioned to lead the Fintech Division through a risk management evolution. In the role, I led the partner banking initiative, working with fintechs, brands and technology providers to bring financial services to end-users.I worked closely with board members, specifically the Chairs of the (1) Fintech Board Committee, (2) Board Risk Committee, and (3) Board Audit Committee. The board and executive team worked tirelessly to address OCC regulatory concerns outlined in the August 2022 formal agreement.Due to the formal agreement, which focused on the division that I was leading, I interfaced directly with OCC examiners in months leading to the updated Third-Party Risk Management supervisory guidance (released in June 2023) and novel activities supervision program.

Richmond, Virginia, Us

In August 2022, Blue Ridge Bank entered a formal agreement with The Office of the Comptroller of the Currency. After this agreement was publicly released, the Bank's compliance officer reached out to me to explore how I could support the Bank's safety and soundness, and compliance with laws and regulations. In September 2022, I began consulting for the Bank. I was focused on third-party risk management and information technology controls and risk governance. I worked alongside the Bank's Chief Risk Officer, Chief Technology Officer, Chief Operating Officer, and others, to define corrective actions needed to achieve compliance with the OCC's agreement. With the Bank's Third Party Risk Officer, I drafted the revised Third Party Risk Policy, Partner Program Manual, and other policies that supported the Bank's compliance with the OCC Agreement.

San Francisco, Ca, Us

San Francisco, Ca, Us

At Synctera, we bring community banks and fintechs together. Our platform provides banks with visibility into risk exposures from their fintech partners, and promotes compliance with supervisory expectations, all while accelerating speed-to-market. Synctera creates meaningful connections between community banks looking to innovate and grow, and fintechs that need a licensed banking partner to operate in the U.S.

San Francisco, California, Us

EarnUp is an award-winning financial technology (FinTech) platform that intelligently automates loan payments and manages over $10 billion in U.S. consumer loans on the platform. As Head of Finance at EarnUp, I oversaw all financial responsibilities of the company. I reported to the CEO (co-founder) and was a member of the Executive Team.Specifically, I developed and implemented the organization's overall financial strategy by overseeing treasury / cash management, budgeting and forecasting (FP&A), payment operations accounting, financial controls, accounting & audit activities, and compliance with all tax & regulatory matters, including escheatments.________________________________________________________________________________________More on EarnUp: The EarnUp platform makes it easy for consumers to stay on track with loan payments through patented technology, predictive analytics, and a personalized product experience. EarnUp contracts with leading financial institutions, nonprofits, and government-sponsored entities, including Freddie Mac. Based in San Francisco, EarnUp is backed by Bain Capital Ventures, SignalFire, Flourish Ventures, Blumberg Capital, and Acumen America, as well as other leading investors. EarnUp has received numerous awards and honors including the Forbes Fintech 50, CNBC Upstart 100, Citi Open Innovation Challenge, and Financial Solutions Lab, a partnership between JPMorgan Chase & Co. and the Financial Health Network. For more information, visit www.earnup.com.

San Francisco, California, Us

Metallicus Inc. provides payment processing solutions built on blockchain, including digital currency (crypto) wallets, rewards, and peer-to-peer (P2P) payments in fiat & crypto.Metal Pay operated in partnership with Synapse and Evolve Bank & Trust.

Washington, Dc, Us

As an executive in the Federal Reserve Bank of San Francisco’s Financial Institution Supervision & Credit division, I provided strategic, policy and risk management expertise to large, complex and global financial institutions in order to mitigate systemic risk in the financial system. My insights guided firms through significant transformations and events, including adoption of new regulatory, accounting and internal control standards and practices. The division's leadership selected me in 2015 as the recipient of the "Excellence in Supervision Award", which recognizes an individual for outstanding contributions.Member of the Large & Foreign Banking Organization (LFBO) Management Group, Operations Subcommittee. Membership consisted of executives from throughout the Federal Reserve System to operationalize the supervisory program, including designing policies and procedures for executing oversight of 38 complex, large financial institutions in the portfolio. The portfolio included: Capital One; PNC; American Express; Schwab; Northern Trust; Truist (BB&T / SunTrust); Fifth Third; Ally; Synchrony; among others. Served on the Twelfth District Culture and Human Capital Team, which was the executive committee that facilitated performance measurement of staff talent, workforce development, recruiting, compensation, and other aspects of the employee lifecycle.

Washington, Dc, Us

Chief of Staff to the lead executive on a global, systemically important bank (G-SIB). Responsible for budgeting, staffing, recruiting, talent development, and other day-to-day activities to manage a 35 person team. I was accountable for team operations, including preparing for and responding to findings from local and national internal audits, inspections, and examinations. In addition, I had direct supervisory responsibility related to Enterprise Risk Management, including operational risk management, and corporate governance. In this role, I regularly interacted with G-SIB executives, including leaders of multi-billion dollar businesses and Chief Risk Officers, Chief Audit Executives, among others. While in this role, I worked with the Federal Reserve Board of Governors and other executives from throughout the Federal Reserve System to draft the supervisory manual that is used to execute the Large Institution Supervision Coordinating Committee (LISCC) program. The following firms were included in the LISCC portfolio: Bank of America; Bank of New York Mellon Corporation (BONY Mellon); Barclays; Citigroup; JP Morgan Chase; Morgan Stanley; State Street; Wells Fargo; among others.

Washington, Dc, Us

Working onsite at a LISCC/G-SIB with direct responsibility for consumer credit risk in residential mortgage, home equity, auto, credit cards, student lending, and other consumer lending portfolios. Interfaced daily with the most complex, systemically important institutions in the world. As part of a dedicated team, we collaboratively developed and executed the supervision strategy and activities for this institution. In addition, I participated in multiple horizontal activities on other LISCC/G-SIBs, including the Comprehensive Capital and Analysis Review (CCAR) and annual roll-up inspections that determined the overall ratings for these institutions. I frequently presented to the LISCC Operating Committee and debated findings, issues, and conclusions in forums of up to hundreds of people. My role required that I regularly led and participated in supervisory events and ongoing reviews related to my coverage areas; conducted discussions with the bank's management; jointly worked with other bank regulators (e.g. OCC and FDIC); and, stayed abreast of industry trends and impacts to the bank's retail credit portfolios, as well as risk management topics impacting the financial industry.

Washington, Dc, Us

Considered a critical lesson from the global financial crisis, Counterparty Credit Risk led to significant changes in bank supervision. In response, this small Federal Reserve team was launched to measure and analyze the interconnectedness of the largest 20 global financial institutions’ credit relationships, and worked on behalf of international regulators (Senior Supervisors Group).My responsibilities were to monitor and analyze top daily counterparty credit exposures from the largest international banks, and work directly with selected global banks to assess their counterparty credit risk MIS reporting, credit valuation adjustment (CVA) practices, and concentration analyses of credit exposures to major financial institutions, corporates and other counterparties.

Washington, Dc, Us

Similar to a sell-side equity research analyst: analyzed and assessed financial condition of the largest global financial institutions, including banks and insurers, based on publicly available information. Monitored trends in the financial sector. Collaboratively worked alongside a policy team to make recommendations to executive leadership.

New York, New York, Us

Member of the Financial Institutions industry group (FIG). Focused on capital raising and merger and acquisition (M&A) advisory services for financial services sector, including financial technology (FinTech), insurance (life, P&C and brokerage), asset/wealth management, broker dealers, and specialty/mortgage finance. Clients included: AIG, ING, R.J. O'Brien, National Financial Partners (NFP), Symetra Financial, USI, among others.In 2008, worked with outside counsel to structure a $10 billion distressed corporate debt fund while assigned to the firm’s Principal Investment Area (Private Equity & Mezzanine) in the Merchant Banking Division. Raised funds from institutional investors during the financial crisis to launch the fund in November 2008. Responded to private equity investors' inquiries during the financial crisis and reported on PIA's private equity and mezzanine funds' performance during an unprecedented period of financial distress and uncertainty.Other responsibilities & achievements:-Prepared and presented numerous finance strategies and merger ideas to executive level clients (i.e. CEO, CFO). -Prepared detailed quantitative/valuation analysis and presentations for financial services clients.-Managed buy-side, including leveraged buy-outs (LBOs) and management buy-outs (MBOs), and sell-side M&A transactions. -Built models and assumed ownership of detailed valuation results, which clients relied upon to evaluate potential transactions and make strategic decisions. -Launched the "Women of IBD Leadership Breakfast" series with Hillary Fowler. Together, we planned and executed monthly off-site breakfasts with 8-12 female investment bankers and one senior executive from the firm. We facilitated discussions with these executives to address mentoring and leadership needs that were particular to women working in investment banking.-Member of Goldman Sachs Women's Committee.

Washington, Dc, Us

Developed and articulated IFC's investment strategy for specific investments that related to the Equator Principles, which comprise a risk management framework that was formally launched in June 2003 and subsequently adopted by nearly 100 international financial institutions to provide a minimum standard for due diligence to support responsible risk decision-making in international project finance in emerging markets. After reviewing the project finance deals that I was assigned, I determined and assessed environmental and social risk that was probable if IFC funded the deal. I worked alongside the investment team to review the deal proposals for ROI/ROAA and other traditional financial performance metrics, while I additionally evaluated the deal for sustainability impacts, including developing on an ex-ante basis, the key performance indicators (KPIs) that the investment would need to achieve to be considered a 'triple bottom line' success.

Washington, District Of Columbia, Us

Advised senior management team on implementation of $13+ million financial services project funded by USAID and World Bank targeted to micro, small and medium-sized enterprises (MSMEs) and homeowners (i.e., individual consumers who were materially collateralized). Conducted product strategy research across Romania, surveying 2,000+ community members, facilitating focus groups in Romanian and designing loan product improvements.Global Communities (aka CHF) worked in Romania since 1994 to enhance the competitiveness of the business community. Global Communities implemented a program that promoted the competitiveness of the Romanian economy by improving the legal and regulatory environment for Romanian MSMEs. My strategic advisory role included working alongside local nationals with our program's key stakeholders (e.g., Booz Allen Hamilton, the U.S. Ambassador, the World Bank and OPIC (Overseas Private Investment Corporation), among others), to strengthen the Romanian regulatory environment and support innovative financial services offerings to middle-income consumers and entrepreneurs of SMEs. Together, we created the framework to establish five registered, Romanian (non-bank) financial institutions across several counties in Romania to provide fair and accessible financing to individuals and MSMEs that were often seen as “too risky” by the foreign banks who were operating in Romania at the time. Traditionally, financial institutions operating in Romania were either foreign-owned and focused on the high-net-worth (HNW)/ affluent sector, or were local financial institutions that only provided basic services to the mass public (i.e. the post office was operating as a depository institution). Others were marginalized into the gray, or even black, market. Our program focused its efforts on supporting MSMEs because small, local businesses have been shown to generate the most significant employment for growing economies.

Served on a 12 person, volunteer, non-profit board focused on Northern California's Hostelling International properties and programs. While on the board, we reviewed proposals for a new hostel in downtown San Francisco and ultimately purchased a multi-million dollar property near the Tenderloin (HI San Francisco City Center Hostel on Ellis Street opened a few weeks before September 11, 2001). The NorCal HI Board provided direction to the NorCal Executive Director by defining expected outcomes that demonstrated achievement of the organization’s vision and mission, by establishing operational parameters, and by explaining how the board would delegate authority to the Executive Director. The NorCal Board of Directors was one district within the national system to define the overall organization's impact and scope, and ensure HI USA meets commitments to those it serves. HI is focused on being a source of experiential learning for all ages, a champion for intercultural understanding, an advocate for youth travel, among other goals.Service on this board aligned with my passion for hosteling and its mission of fostering cross-cultural acceptance, understanding and cooperation. Working with experienced board members required strong leadership skills, creative & strategic thinking, and the ability to influence intelligent peers to pursue a different path. This service helped lead me to decide to volunteer in Peace Corps.

Employee #38 at an early stage FinTech startup in Silicon Valley. Hired for services delivery and transitioned to cross-functional team that clarified product/market fit and launched B2B trading platform facilitating online trading using dynamic pricing technology. Researched, analyzed and identified target industries that led to enterprise sales to Fortune 500 customers. Intercontinental Exchange was a client that became a strategic acquirer for exit.

Marketing & Sales Practice (1999-2000): developed profit-enhancing strategies to coordinate relationship building efforts and sales targets among partners and managers in the Western Region (i.e. California, Oregon, Washington, Arizona, Nevada). Assurance Practice (1997-1999): focused on energy, utilities, financial services, technology and telecom companies. Managed all aspects of the financial statement audit process, including new business proposals. Assisted with SEC filings: debt and equity offerings, acquisitions, and annual and quarterly reporting. Performed research and concluded on technical accounting issues related to emerging accounting policies to align practices with GAAP. Participated in and supervised due diligence and contract audit services engagements.

Mba, Finance And Management

Master Of International Affairs, International Finance & Economic Policy

Harriman Institute Certificate, Russian, Central European, East European And Eurasian Studies

Bachelor Of Science, Accounting