Co-Chair of Executive Risk Management Committee focused on building sustainable risk management culture bank wide with emphasis on 1st line of defense risk ownership and effective challenge to 2nd line of defense. Led compliance product planning, budgeting and delivery of Bank Secrecy Act remediation activities required under FDIC Consent Order, including redesign of internal controls, training programs, risk assessment methodology, customer due diligence program, risk rating methodology and account monitoring programs and the development and delivery of look back review. Led identification of and project delivery from external firms supporting BSA program remediation activities. Bank liaise for Commonwealth of Virginia and FDIC BSA related examinations.FDIC lifted enforcement action in February 2017.

Responsible for risk product management delivery and 1st line of defense risk management processes for 980 branch network and 8,000 branch associates. Ensured continuous coordination and successful execution of related business initiatives.Risk Management • Accountable for 1st line of defense risk management processes for internal policies, processes and those related to US regulatory and state law requirements across 980 branches located in 6 states• Retail distribution team lead for GRC, Enterprise Compliance and Internal Audit; direct lead with external regulators(OCC and CFPB) on retail distribution risk management processesOperational Readiness• Team responsible for planning, delivery and reporting of annual operational and regulatory control assessments for 980 retail distribution centersBusiness Resiliency• Retail lead responsible for the development and delivery of business resiliency plans, including continuity planning and emergency/incident response programs, focused on the safety of 8,000 branch teammates and sustaining delivery of financial services to 2+ million customers in 6 states

Member of retail banking team that delivered 85% growth in retail distribution centers and 65% increase in retail deposits. Responsible for business services and operations group with responsibility for retail distribution policies and procedures,1st line of defense operational risk management and operational support with primary focus on 300 branch network and 2,000 branch associates. Risk Management • Chaired monthly Executive Operational Risk Management and BSA/AML Committee• Retail team lead with Corporate Compliance, Legal and Internal Audit; direct regulatory lead (OTS) for retail bank risk management framework and processes• Teammate and critical thinking catalyst to ensure risk assessment and treatment options for GRC risk events, including fraud, regulatory, operational and BSA/AMLOperational Efficiency• Led analytical team responsible for design and implementation of operational risk oversight and monitoring system• Teammate responsible for implementing branch staffing model designed to deliver consistent customer service levels • Led development and implementation of model based overdraft protection and funds availability programs for 750,000 consumer and small business deposit customers

Responsible for credit card portfolio conversion of 2.7 million accounts/$5 billion in receivables. Delivered integration with below-targeted account and receivable attrition rates.

Team designed and delivered portfolio interest rate and fee re pricing strategies, delivering $75 million in annual revenue. Accountable for early cycle collection and over limit authorization processes for 2 million accounts, resulted in increased fee income and process efficiency. Implemented SAS supported and model based credit line increase and reduction strategy for $14 billion in credit card lines. Led SAS programming team responsible for implementing direct mail and outbound telemarketing card usage campaigns for 1.5 million qualified cardholders.

Led conversion project to new underwriting platform, enabling processing of over 100,000 credit card applications monthly. Directed department responsible for account retention program and customer-initiated credit line increase requests.