I manage preparation activities for Internal Audit and regulatory exams. Coordinate resources with direct and indirect reporting relationships to execute on various projects and efficiency initiatives related to credit risk remediation. Interpret complex regulatory issues and coordinate response activities by advising stakeholders in responding to regulatory issues. Assist subject matter experts in conducting root cause analyses for regulatory issues in support of the design and implementation of corrective actions and remediation plans.

Helped establish enterprise risk management framework which included policy, business and data flow, control identification and Enterprise Risk quarterly reporting. Advised subject matter experts on enterprise risk mitigations, key performance indicators as well as key risk indicators.

I am responsible for partnering with relevant business groups to identify, assess, manage and mitigate current and emerging risk exposures associated with their activities and operations. I monitor, measure, evaluate and report on impact of decisions and controls to the relevant business groups on development, implementation and monitoring of complex business-specific programs.I am responsible for the reporting, metrics and analytics for all activities in the Consumer Lending Policy Governance Office.

I formulate and define risk management scope and objectives based on user needs and thorough understanding of business problems with varying levels of complexity keeping compliance requirements as part of design for Small Business Lending.I develop controls, process documentation, procedures, and change management frameworks for Small Business Lending. I am responsible for identifying process risks/gaps and developing strategies for resolution. I continuously evaluate the adequacy, effectiveness and operation of change management and control processes and organize and execute enhancements where needed.I ensure the Risk Management Framework is deployed across the small business unit by coordinating between risk partners, outside agencies and internal support groups while also executing and producing reporting and analytics.I provide strategic management of critical audit and regulatory needs through deep engagement within our business unit and second and third line subject matter experts.I consistently partner with technology product owners, and risk and business partners to understand and implement effective risk management processes and practices.I work closely with partners across the bank including Marketing and Analytics, Product Management, Finance, Risk Management and others to drive improvement in analytical quality, credit results and profitability.I do backtesting on quantitative and qualitative models used in CCAR or Allowance.In the recent past I have managed a high-performing team of risk analysts in loss forecasting, covering a $63B portfolio of consumer home equity loans and lines. I have forecasted loss for four legal entities, including Wachovia Mortgage Corporation-Equity, Golden West-Equity, HomEq, and Corporate Investment Bank-Equity portfolios.

Senior Analyst, Capital Markets: Quantitative Analytics, 2006 to 2007Headed a skilled team of quantitative analysts in secondary marketing.Built development plans for employees, ensuring continuing education, growth, and community involvement. Rewarded process efficiencies and delivered high-touch service to all customers.Key Contributions: Envisioned and employed a robust forecast model, slashing error rate by average 1.69%.  Developed an Access model to interface with Excel, measuring fallout volume and repurchase volume experienced in specific rate sheet cells. Recognized by peers for my work with comprehensive capital analysis and reviews.

Loss Reserve calculation and Statutory Reporting, IT Scorecard, built Compensation Model for Claims Control group, expense forecasting and staff forecasting models.