• Assigned to OCC resident team to oversee capital markets activities at Bank of America, which included oversight of capital, liquidity, ALM, trading, and all 1st, 2nd (Compliance, Operational Risk, and Model Risk) and 3rd lines of defense (Internal Audit).• Responsible for monthly reporting of all Volcker Trading Desks metrics to report to the team and OCC headquarters unusual spikes in PnL, SVARVaR or other risk appetite metrics. Developed a spreadsheet to pull data and engineer it to determine outliers for all of the trading desks. Also, devloped a spreadsheet across peer SIFI/Mega banks to compare.• Created a process for the entire resident team to oversee Compliance, Operations, Market Risk, Model Risk, and Internal Audit to ensure proper coverage from the team in their assigned areas.Managed 5-25 examiners on scope of review, assignments, set timelines, met with Senior Bank management, internal OCC Senior management and other regulators on three Enforcement Actions. Specifically, Compliance Program, Operational Risk Program, and Market Misconduct as it relates to trading activities. Responsibilities included managing examiners, reviewing conclusions, deciding escalation, reporting to Senior OCC Senior management on recommendations for lift of order, and final supervisory decision to the bank's Board of Directors and Senior Management.• Co-lead highly complex examinations including Uncleared Margin Rule, Volcker Rule, Heightened Standards, and DFAST/CCAR from an Enterprise Level.Reviewed and challenged CRM for Risk Identification, Risk Appetite, RCSAs, Targeted Assessments, and policies/procedures governing the Enterprise Risk Management at the bank for the three lines of defense.• Met with Senior bank management on a bi-weekly to monthly basis to ensure proper communication and collaboration on current and emerging risks and updates on issue remediation.• Provided quarterly conclusions to Senior OCC management on 7 key risk areas and 3 LODs.

• Assigned as Capital Markets Team Lead to Citizens Bank within Large Bank Supervision.• Responsible for oversight of capital markets related risks, which includes capital management, financial performance, liquidity management, asset/liability management and trading and market risk management through ongoing supervision and targeted examinations.• Designated Examiner-in-Charge of the annual Dodd-Frank Act Stress Testing (DFAST) examination, which includes managing 15+ senior examiners, collaboration with other regulatory agencies, consolidating findings and issuing the supervisory letter to the bank. The OCC's DFAST exam is performed in conjunction with the Federal Reserves CCAR review.• Prepare capital markets fiscal supervisory strategy to determine scope of supervision and human resource requirements.• Provide quarterly risk assessment and annual report of 7 key risk areas to Deputy Comptroller.• Maintain knowledge of regulatory developments to ensure proper compliance, including the Volcker Rule, Basel III capital, Basel III liquidity rules, Market Risk Rule, Uncleared Margin Rule, OCC Heightened Standards, et. al.

• Participate in mid-year and annual analysis for the Enterprise Wide stress testing process, which is used in formulating Comerica's capital plan (CCAR) submission to the Federal Reserve. Analysis includes: balance sheet and net income forecasting, liquidity stress testing and credit loss impact of severe and severely adverse macroeconomic scenarios.• Responsible for aggregation of stress testing results into FR-Y14A format, which includes coordination of several different areas in the bank, such as Credit, Finance, Treasury and Operations.• Member of Stress Testing Management Committee (STMCo), which oversees the CCAR stress testing process.• Member of Model Risk Oversight Committee (MROC), which governs the controls and processes of models utilized in CCAR stress testing and business as usual.• Act as a Treasury liaison for stress testing with internal auditors, third-party consultants and regulators from the Federal Reserve Bank of Dallas and the Texas Department of Banking.• Provide the Asset Liability Policy Committee (ALCO) with monthly updates on the bank's asset/liability position.• Coordinate Economic Capital Committee (ECap) meetings and results for the three risk pillars: Credit, Market and Operations Risk. The Committee reports to the Enterprise Risk Committee of the board of directors.• Responsible for the compilation of the monthly ALCO package by incorporating the results of all areas (Global Capital Markets, Balance Sheet Analytics and Market Risk Analytics). Provide a written summary of the monthly changes and explanations to be distributed to member of the Committee.• Interact regularly and present to Vice Chair/CFO, Treasurer, Chief Economist, Chief Accounting Officer and other senior management.• Responsible for monitoring the Auction Rate Securities (ARS) portfolio and analyzing whether tender offers are accretive to earnings. Provide reporting to ALCO, ARS Steering Committee and external auditors.

• Monitor and report on capital adequacy, dividends, share repurchase program and capital-related issuances at the Parent, bank and other subsidiaries utilizing the capital projection model.• Responsible for monthly ALCO reporting package for liquidity and capital planning.• Analyze strategies for optimal deployment of capital with focus on board of director's targeted payout ratio and restrictions set forth in the capital plan submission to the Federal Reserve.• Developed liquidity planning model to project liquidity position using the corporate forecast and asset/liability modeling assumptions.• Performed preliminary testing of Basel III liquidity ratios for Comerica utilizing the Basel Committees Quantitative Impact Study (QIS) template. Worked with The Clearinghouse to pull these results.• Enhanced the Contingency Funding Plan by developing a "Rapid Asset Growth" stress test scenario.• Developed 2 additional stress scenarios for use in the crisis liquidity model, including a "2008 Financial Crisis" scenario based on results from reverse stress testing.• Assisted the team in a $300 million senior note issuance in 2009, which was the first senior debt issuance since 2005.• Appointed to a team by the CFO with the priority of redeeming preferred shares issued to the US Department of Treasury as a part of the Troubled Asset Relief Program (TARP). This project resulted in a successful redemption and a common equity raise of $850 million.• Direct investment allocation for Comerica's employees Defined Benefit pension plan, which requires diversification of investment vehicles and rebalancing of assets to ensure the pension liability is not underfunded. Compile the annual report for the Investment Committee of the board.

• Financial modeling to compile internal risk score report, peer group/industry trends and stress testing of the portfolio credit unions.• Prepare credit reviews for special mention and watch list credit unions based on internal risk ratings to present findings and recommendations to Member Credit Committee.• Prepare collateral valuations by marking-to-market credit unions pledged loan and security portfolios, in order to size their credit lines and determine collateral deficiencies.

• Manage the bank's corporate credit portfolio of financial institutions, government sponsored entities and broker-dealers with greater than $25 billion in total assets.• Review all credit transactions between the portfolio and the bank, including syndicated financing and committed credit facilities based on the client risk profile and determine the transaction risk to capital remains within limits.• Managed portfolio through quarterly financial review of client credit profiles, which required review of reported financial results and consultation with the key stakeholders of the institution.• Assist relationship bankers and traders with deal pitches and structures based on the client credit risk profile.

• Responsible for regulating National Banks in the Southern District.• Led meetings with Board of Directors, Senior Management, and other examiners to present findings.• Regulatory reviews including: Credit Administration, Risk Management, Financial Performance, Interest Rate Risk, Compliance and Capital Markets/Investment Analysis.