Serves as Principal Advisor to the Federal Housing Finance Agency (FHFA) Director on a range of strategic, operational, and financial matters.

Led a team of risk specialists (Analyst to VP) to provide oversight, guidance, and effective challenge within the Corporate and Investment Banking Line of Business for various risk programs/initiatives. Proactively identifies opportunities across the platform for risk reduction, process excellence, and the creation of control solutions.

Enterprise, Risk and Compliance leader, engaged and inspired a team of risk management professionals in the execution of Risk and Control Self-Assessment (RCSA), process, risk and control inventories, internal control testing, business continuity planning, and the resolution plan. Provides senior leadership with strategic and tactical subject matter advice for risk-related issues and regulatory inquiries from the Office of the Comptroller of the Currency (OCC), Federal Reserve Board (FRB), and Federal Deposit Insurance Corporation (FDIC). Drove execution and strategy for the RCSA (including process mapping, risk and control inventories, risk data aggregation and risk quantification) that feeds into Enterprise Risk Management (ERM) reporting Oversaw internal controls testing and quality assurance reviews. Scope of testing/reviews includes the following functional areas: Chief Credit Office, Risk Strategy and Portfolio Management, Credit Modeling, Operational Risk, and Risk Quality and Control Partnered with stakeholders across the Enterprise to drive strategy, harmonization, and execution of the USAA Federal Savings Bank resolution plan Developed and presented detailed findings and recommendations to key stakeholders and senior management including but not limited to transactional testing results, current and emerging risk exposures, themes, trends, and root cause analysis

Partnered with front line and risk stakeholders to identify, assess, aggregate, and document risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and third-party operations; coverage includes enterprise risk management, credit risk, market risk, and operational riskProvided strategic and tactical subject matter advice for risk-related issues and regulatory inquiries from the OCC, FRB, and FDICDeveloped a QA/QC program to test and validate consent order deliverables to ensure adherence to enterprise standards for submission to regulators

Provided subject matter expertise as a former OCC Bank Examiner and routinely led high performing teams on engagements focused on: Risk Assessment, Monitoring and Testing, Internal Control Design and Effectiveness, Compliance Issue Management, Enterprise Reporting. Executed performance reviews, coaching, and mentoring for staff consultants (50+) throughout the engagement lifecycle. Representative Engagements: Led a team of 10 consultants assist a large multinational financial services corporation’s enterprise independent testing function develop 50+ operational risk tests for newly established controls on the heels of regulatory criticismsManaged a team of 15 consultants to perform pre-closure testing efforts for a large multinational investment banking and financial services corporation to satisfy provisions of an OCC consent order regarding Bank Secrecy Act / Anti-Money Laundering (BSA/AML) deficiencies for the Trade Finance businessDirected a team of three consultants in the development of a consumer harm remediation testing program for a large regional bank in connection with a class action lawsuitProvided project management across the project lifecycle (initiation planning, executing/controlling, and closing) – included project plan development, stakeholder management, engagement and facilitation, validated project trajectory via status update reporting, managed financials (P&L)

Advised large and complex financial services firms on strategic, regulatory compliance, corporate governance, and risk management matters. Assessed, designed, enhanced, and helped implement risk management programs, including frameworks, policies, procedures, methodologies, and technologies related to the following: 1) risk identification, controls, and assessment; 2) risk monitoring, risk aggregation, and risk quantification; 3) risk appetite statements, measures, metrics; and 4) risk reporting. Representative Engagements: Provided guidance and recommendations to support the build out of a corporate-wide compliance risk management program to satisfy provisions of joint consent orders. Additional assistance included drafting policies and reviewing methodologies to execute the compliance program in the following areas: policies and procedures governance, annual compliance planAssisted a foreign banking organization enhance non-financial regulatory reporting by developing a comprehensive reporting framework to meet regulatory expectations and to provide a strong foundation for transition to a future intermediate holding company structure Performed policy, standard and procedure rationalization, and development for a multinational financial services firm’s legal entity risk management framework Enhanced credit risk management as part of an assessment of the organizational, structural, and risk management processes of several large national banks (total assets > $125B) for compliance with the OCC Guidelines for Establishing Heightened Standards.  The assessment provided recommendations regarding the bank’s operations, organizational structure, governance and risk management processes, and documentation of compliance with the OCC Heightened Standards.

Served as a Bank Examiner in the Northeastern District performing safety and soundness, consumer compliance target examinations, and problem bank remediation activities for national banks and federal thrifts. Drew conclusions on the quantity of risk, quality of risk management, aggregate risk, and direction of risk for each of the eight categories of risk (Credit, Interest Rate, Liquidity, Price, Operational, Compliance, Strategic, and Reputation).Planned, coordinated, and monitored supervisory activities, including identifying and communicating risks, developing supervisory strategies, and determining the scope of activitiesAnalyzed cash flows of complex credit transactions, across a range of industries to evaluate the basis for collateral and/or guarantor support, and to validate if risk ratings are consistent with regulatory guidelines Performed consumer compliance target examinations to include Truth in Lending Act, Real Estate Settlement Procedures Act, Community Reinvestment Act, and Flood Disaster Protection ActConducted examinations to determine compliance with the BSA. Examination procedures focused on regulatory requirements and related topics which included the customer Identification program (CIP), customer due diligence (CDD), suspicious activity reporting (SAR), funds transfers recordkeeping, foreign correspondent accounts, Office of Foreign Assets Control (OFAC) and other topics.Analyzed financial statements, loan underwriting and origination to assess and evaluate credit risk of commercial and retail creditProvided follow up for Formal and Informal Supervisory and Enforcement Actions for the rehabilitation of problem banks