Kyle Carrier Email and Phone Number

• Support the build-out of new risk program offices by designing oversight models, engagement models and implementation roadmaps in collaboration with first line of defense partners. • Support the development of governance and oversight frameworks, policies, procedures, and standards for Reputational and Strategic risk programs within Enterprise Risk Management.• Facilitate the Risk Assessment and Effective Challenge of the Bank’s strategic planning process, including alignment of planned initiatives to the organization’s risk appetite.• Led efforts within a cross-functional team to develop Risk Culture metrics to continuously assess and track the overall health of the company’s risk culture and present findings to the Board.• Developed the Risk Appetite Statement (RAS) and accompanying monitoring metrics to measure and monitor the bank’s Reputational and Strategic Risk exposure.

*Acquired by First Citizens Bank March 2023*Reputational Risk and Enterprise Risk Management SME responsible for managing Reputational risk across SVBFG’s platform, providing oversight for the development and implementation of policies, programs, and governance to ensure a holistic enterprise risk management in line with the Company’s risk appetite.• Led efforts within a cross-functional team to develop Risk Culture metrics to assess and track the overall health of the company’s risk culture and present findings to the Board• Assisted in development of the Risk Appetite Statement (RAS) and accompanying metrics such as Net Promoter Score and Social Media Sentiment to monitor Reputational risk exposure across the organization• Provided second line of defense oversight of the Environmental, Social, Governance (ESG) program, collaborating on policy development for various ESG activities.• Provided second line of defense challenge of business activities across enterprise risk management programs, including Risk Identification, Risk Appetite, Issue Management, New and Modified Products and Services.

Enterprise Risk Management consultant and trusted advisor responsible for designing and implementing risk management programs across large organizations in the Federal Health, Civilian, and Higher Education sectors. Engaged with C-Suite level management to define risk management program requirements and develop road maps for implementation and continued maturation of capabilities. Un-siloed risk data from across large organizations and synthesized risk reporting to inform senior leadership decision-making. • Worked with clients at the C-Suite level implementing Enterprise Risk Management programs, processes, and procedures to drive value through aligning their unique risk profile with budget and strategy decisions• Conducted current state assessments, benchmarking, and gap analysis for clients, and leveraged findings to develop long-term implementation strategies for maturing risk management programs• Implemented the use of GRC and other data collection tools for the capture, analysis, and presentation of risk data to stakeholders.• Led risk transformation, education, and implementation efforts for organizations of 10,000+ employees • Developed white papers on GRC and ERM solutions to inform clients of industry best practices

Analyst for the risk management and insurance programs for a mid-sized construction company. Led efforts to stand up the organization’s risk management programs, policies, and procedures and monitor regulatory changes. Developed and implemented program for risk information management and reporting to senior leadership leading to significant reduction of losses and insurance premiums.• Installed risk management program that has led to a 40% decrease in our Experience Modification Rate and a 50% decrease in insurance claims cost over 4 years.• Used decision trees, text mining, regression, and other analytical methodologies to analyze loss, project, and HR data and develop key risk indicators for the organization• Led efforts in cost-effective risk transfer by joining the world’s largest heterogeneous captive and worked with broker to maintain good standing• Collaborated with executive team, project management, and safety team to promote holistic risk management across the company• Installed data collection tools and trained employees in data entry to build risk database and further inform risk-based decision-making