Meredith Wohlleber Email and Phone Number

Cover the Consumer & Small Business Banking portfolio for issues management from a controls perspective. In process of mapping out the structure of our program and how it intersects with Risk Control Self Assessment (RCSA) and Evidence Based Control Evaluation (EBCE). Approval of all documentation that gets supplied to our system of record. Transitioning to a new system of record for issue management, Veritas by 4th quarter. In User Acceptance Testing (UAT) for the new software rollout.

Development of the Conduct Risk program as it relates to Business Process Management (BPM). Responsible for opining on over 9,500 bank wide processes and determining if conduct risk exists in each of the processes. Documenting and setting up the process which will be established in a template style format for ongoing support.

Operational Risk Consultant for Risk Integration Team (RIT) for Business Process Management (BPM) within PVSI division. Work with various lines of business to identify risks and controls inherent to their process as part of an enterprise wide initiative.

Develop a cohesive team of top talent individuals to drive forward the issue’s portfolio to a stronger solution. Spearhead issues management and operations analysis to ensure efficiency and drive the issues to resolution. • Aligned teams to each of the leaders within ESS with the goal of developing subject matter experts across the teams that they supported a highly successful and respected risk team • Delivered a weekly Key Risk Review (KRR) that went to all the senior executives in the business as well as their business control executives. This report is considered best in class across Global Technology & Operations (GT&O). • Drove the Risk Control Forum, a weekly governance meeting for all the executives in each of the FLUs and their Business Control Executives that discussed Risk & Compliance matters, issues review of all new issues, the bi annual Risk Control Self Assessment (RCSA) process, SOX updates as well as Audit updates• Identified and provided guidance on operationalizing regulatory requirements for existing and new business areas. Drove operational risk as well as credit and market risk for the team.• Led the toxic access pilot work for ESS: established a review with all of the ESS AIT owners to understand how their applications worked, validated the privacy flags, and determined if toxic access existed within each application. • Established a process with Information Security Technology to determine rules for monitoring toxic access at the system level and reported information to AIT owners. Out of 184 applications we uncovered 56 applications with toxic access concerns.

Manage and direct a variety of teams (150 plus employees) focused on business continuity, business support, and site strategy activities reaching over 30,000 associates• Led Business Controls Unit responsible for management and remediation of all levels of issues, quality assurance program monitoring with key control alignment, corporate resolution planning, as well as business continuity and disaster control management • Drove regulatory response to leadership as well as government agencies, working toward tracking and remediation of Matters Requiring Attention, Audit Issues and self identification of issues. • Established management routines, developed executive level business reviews, and served as liaison between mortgage lines of business and senior leadership. • Delivered business processes, key performance and risk indicators and drove end to end business strategy.• Determined, coordinated and executed leadership engagement opportunities across multiple sites. Supported cross functional efforts to drive workforce environment assessment results.• Completed the LAS Consent Order. Drove the Operating Council (Op Co) routines and ensured the successful resolution of the LAS consent order.

Drive complex risk and compliance programs across all levels of Global Consumer Small Business Banking to ensure effective monitoring and business controls are in place • Established regular management routines including: scorecard development and maintenance; P&L management, (T&E, personnel and occupancy expenses), drove end to end initiative planning process, and ensured complicated issues are appropriately remediated on time. • Ensured successful integration across consumer organization for Business Controls, Monitoring and Readiness team. Drove executive management routine to ensure consumer risk strategies were communicated effectively.

Lead the acquisition, account activation and cross sell opportunities across multiple products; creating compelling offerings to both current customers and prospects utilizing analytical models to determine appropriate customer relationship offerings.• Managed vendor relationships including Statement of Work preparations as well as a team of Online Channel Managers who develop and execute online marketing programs that netted a 70% year over year increase in product sales.• Developed strategy for online sales initiatives for deposits, credit card and consumer real estate products.

Manage the expansion of the pre-approval credit card channel for franchise and alternative channels. Leverage existing partnerships to build a pre-approval engine designed to offer credit card products to non-customers through partner’s websites • Exuded strong project management capabilities and led cross-functional teams including technology, risk, compliance and legal support to ensure successful implementation of initiatives. • Managed various initiatives involving customer satisfaction for consumer card and checking products, co-brand and core upgrade programs as well as Small Business Credit Card portfolio management building balances in the $1-5mm range.

Manage multi-brand, agent bank credit card portfolio including Scope of Work completion to drive vendor negotiations, portfolio data analysis and criteria review, adaptive control functions, MICR specifications all within FDR processing guidelines• Prepared and managed quarterly budgets to aggressively increase revenue, strengthen cardholder retention and generate activity across diverse multi-client portfolio• Determined competitive purchase and promotional rate offers by developing multiple competitive concepts while maintaining brand loyalty and awareness. • Developed marketing programs including balance consolidation offers, seasonal checks, change in terms, monthly welcome checks, credit line increases and upgrades, seasonal rate sales, statement inserts and messaging programs