Chief Risk Officer - SMBC MANUBANK(includes Jenius Bank digital brand)- Consumer and Commercial Lending- Financial, Quantitative, and Non-Financial risks- Digital and branch channels- Full Risk Taxonomy coverage with supporting management and board level governance- CECL, AI design/governance, stress testing / value at risk modeling1. Built comprehensive Enterprise Risk Management team (from scratch) consistent with global standards - digital-to-consumer consumer bank and branch-driven commercial bank.2. Built consumer credit function - de novo policy, loss forecasting, stress testing.3. Rebuilt commercial credit function - policy, procedures, underwriting process, stress testing - with unique standards for each industry type.Previous responsibilities:Risk Strategy Innovation/Execution teams at US Bank's Retail / Merchant Payment Services divisions. -Design/deploy predictive and operational credit/fraud underwriting & transactional systems - lending & merchant accounts - owned third-party relationships with vendor portfolio.Profile: Credit/Fraud banking system process/architecture expert delivering decision strategies and related operational controls across all digital and analog channels – utilizing traditional and machine-learning-based decision methodologies. Results: Deployed $40 million+ in "CapEx-level" investments over the past few years – $100+ million in value - championing the enterprise-level identity process, machine-learning model design/delivery, and digital channel risk strategy integrations.Recent innovations:(1) Enterprise-level ID Proofing: leveraging 3rd party data, advanced entity resolution algorithms, real-time APIs, and machine learning(2) Credit-driven digital engagement (with interstitials) – enabling fully-DIY, real-time risk interactions with customers(3) “DIY” process automation - enable merchant self-onboarding(4) Machine-learning platform for cash flow modelingIndustry Recognized Expert: Member of several industry advisory boards for risk management, decision science, and bureau information. Recognized leader in "identity proofing" - speaker at risk management and customer authentication conferences. Other banking product experiences: consumer and commercial lending, derivative investments, Treasury functions (liquidity, interest rate risk management).Chartered Financial Analyst designation in 1998.Three US patents (see below).General Experience: 30 years - Banking - Consumer/Commercial/Treasury 23 years - Risk Management 7 years - Regulatory (Bank Examiner with two agencies)