Michael Leary, Cfa Email & Phone Number

Ambler, Pa, Us

Los Angeles, California, Us

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.

Minneapolis, Mn, Us

Executive Leadership: Risk Strategy Innovation/Execution teams at US Bank's Retail and Merchant Payment Services divisions. Responsibility: design/deploy predictive and operational credit/fraud underwriting & transactional systems for lending and merchant accounts, as well as owning the third-party relationships with all supporting vendors. 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.

Charlotte, Nc, Us

Executive Leader for Risk Strategy Execution at Bank of America Global Card Services. Responsible for several underwriting systems - consumer and small business credit and debit products.Directly responsible for 70 FTE - deploy mathematical models and risk strategies across the Card LOBs. Managed $50+ million technology budget.Built underwriting systems with real-time consideration of customers' profiles across all BAC businesses - Consumer Bank, Merrill Lynch, Countrywide, etc. Completed flawless compliance with Fed's Ability-to-Pay regulations. Incorporated SAS EBI into control monitoring system. Installed several 3rd-party data sources into real-time decision-delivery systems. Focused on trended, customer-level, triggered relationship data delivery to transactional systems.Logistical expert delivering decision strategies and related operational controls for lending through banking centers, relationship customers, direct mail programs, eCommerce, ATM, etc. Experience developing lead selection and underwriting strategies, account management strategies, and loss forecasts.

Us

Three primary duties while at Fleet:(1) Build operational and reporting controls for the credit card portfolio following acquisition from Advanta. Build control environment to satisfy OCC concerns (unsatisfactory S&S rating when purchased).(2) Lead various risk strategies teams - developing lead selection and underwriting strategies - across multiple channels.(3) Redevelop the corporate credit policy - in partnership with Fleet corporate governance. New "testing policy" developed to safely grow business into emerging markets - instituting controlled growth metric parameters and governance processes.

Philadelphia, Pa, Us

Two primary focuses:* Charter member of the FRB task force on derivative instruments. Authored FR policy paper on credit and liqudity risks related to derivative investments, FASB 115. Supervised unwinding of a $1 billion distressed mortgage-derivative portfolio.* Lead Examiner for two institutions:(1) MBNA Corporation - holding company for consumer finance/credit card company(2) Fulton Financial Corp - bank holding company for 12 (primarily) state-chartered banks.

Washington, Dc, Us

Notable accomplishments:* charter member FDIC Mortgage Derivative task force* led safety and soundness financial presentation on a $12 billion failed savings and loan* Led or participated in ~75 safety and soundness examinations, evaluating mortgages, consumer loans, and investment securities - for safety and soundness as well as regulatory compliance.