Laurie Gray Email and Phone Number

• As part of the Corporate Risk Management organization, work with Risk colleagues on regulatory exam management tasks for multiple Lines of Business (LOB), which include but are not limited to:• Compile appropriate and accurate documentation for use as formal artifacts to close Risk gaps within the different LOBs that were disclosed to regulators• Ensure all applicable Corrective Action Plans (CAP) contain all required information and documentation required to gain approval from the senior Risk Officers, Internal Audit and regulators• Work with the Business Risk Internal Control (BRIC) Teams to update Policies, Procedures, and formal Job Aids when gaps are identified within the documents• Review recently created CAPs to ensure they align with the desired final outcome and are realistic in their collaboration with the Risk organization and the LOBs

- Primary liaison between the Business and Citi partners in various divisions of Compliance Assurance Testing, Internal Audit, Independent Compliance Risk Management (ICRM), Compliance AML Risk Management (ACRM) and Business Risk Compliance and Control (BRCC).- Work closely with ICRM on inquiries and requests from various regulatory organizations such as FINRA, the SEC and the OCC. - Responsible for leading remediation efforts which may be issued by regulatory organizations.- Build an environment of collaboration between the Business and its partners in Compliance and Internal Audit to promote a collegial work ethic, positive corporate interaction and ultimately achieve efficient and timely results for all reviews, audits and exams.- Responsible for the creation, review, update, and maintenance of the Americas Plan of Supervision (POS) within CPB for use by Supervisory Principals within the North America (NAM), Wealth at Work (WaW) and Latin America (LATAM) divisions to enhance controls and mitigate risks.- Responsible for creating Corrective Action Plans (CAP) identified by management observations or as a requirement to correct deficiencies discovered during Compliance Testing, Internal Audit or Regulatory exams.- Work with appropriate stakeholders within CPB/WaW to ensure CAPs are moving along in their lifecycle to a timely completion on or prior to CAP deadline date . - Business Unit Head for Fiduciary Oversight Group (FOG) and all Offices of Supervisory Jurisdiction (OSJ) Continuity of Business (CoB) Plans and Record Retention Management.- Responsible for creating and revising the curriculum as well as identifying and assigning appropriate learner population for all business-owned training for the CPB/WaW Investments organization in the Americas.

Regional Supervisory Principal with direct oversight of more than 50 Registered Representatives. Oversee Private Bankers and Investment Counselors on investment suitability for clients within region, comprised of $15 billion in AUMs and annual revenue of over $125 million. Accountable for compliance oversight and risk management. Improved compliance controls which resulted in a decreased risk rating of the region in Citi's Business Risk & Control internal measurement system. Serve as liaison between Compliance, Senior Management and Bankers for all suitability aspects of clients' relationship (i.e. annual investment reviews, credit sponsorships with margin and managed account lending and investment profile guidelines). Sought after for technical expertise and insight into business initiatives, solutions and projects. Chosen as the primary person to train new team of Supervisory Principals in Tampa as a Center of Excellence for Citigroup. Consistently asked to lead or participate in task forces for new operational systems, compliance procedures and/or compilation and distribution of critical MIS reports within the U.S. Private Bank.*Only employee in the Citi Private Bank US who held the roles of both Regional Supervisory Principal and Business Manager.

Accountable for business oversight and overall risk management for the Northeast Region of the Private Bank. On a daily basis, act as delegate for the Global Market Manager with respect to decision making authority on new client onboarding, AML investigations, exceptions to policy and continuity of business. Directly manage sales support and administrative staff in 3 regional offices. Produce financial and administrative MIS reports for senior management, ensuring proper data integrity at every level. Performed this job in addition to the Regional Supervisory Principal until Management changed reporting lines in 2018.*Only employee in the Citi Private Bank US who held the roles of both Regional Supervisory Principal and Business Manager.

Supported 5 Private Bankers and their books of business totaling over $50MM in AUMs to meet sales objectivesEnsured Know Your Client and Investment Objective suitability statements were in compliance and up-to-date for all clients within the Bankers' portfoliosLed weekly meetings with MIS project teams to review region's performance and communicate business requirementsMaintained in-depth knowledge of client base to anticipate client events and be proactive with additional sales of products and services based on client needsKey contact of the Private Bank for several clients within Bankers' portfolios

Managed $35MM portfolio consisting of more than 300 commercial clientsRanked as number one revenue producer for CT in 1998Grew commercial loan portfolio by over 30% in 1997 and 1998

Increased deposit base by more than 20% in 3 yearsCreated and managed branch's operating budgetBranch rewarded for "best overall customer service"Developed and led training program for over 150 bank personnel on new computer software systemPerformed as an internal auditor to evaluate risk management of peer branchesReviewed and revised bank's Policy and Procedures Manual

Developed and directed the administrative, compliance and operational functions performed by 16 branch personnelCommunity Banking OfficerAccountable for branch's internal audit requirementsPersonal & commercial loan underwriterCommunity Banking RepresentativeProcess applications for personal and commercial loansAchieved mandated sales goals