Nick Young is a SVP and Director of Risk Analytics at First United Bank who has more than fourteen years of experience as a risk manager, quantitative analyst, project manager, economist, people manager and leader. At First United, Nick overseas all analytics involving models in both validation and development. Previously he was a SVP and head of Enterprise Risk Management (ERM) at Crescent Bank where he ran the second line of defense and is responsible for model risk management (MRM), operations risk, quality assurance testing, third party risk management (TPRM) and change control as well as serving as the Bank's Chief Information Security Officer (CISO). Nick joined Crescent Bank from RiskSpan where he was a Managing Director and head of Model Risk Management consulting. At RiskSpan, he led the MRM team and performed model development, validation and governance on a wide variety of models including those used for Basel capital planning, reserve/impairment, ALM, CCAR/DFAST stress testing, credit origination, default, prepayment, market risk, fair lending, BSA/OFAC, AML and account management. Prior to joining RiskSpan, Nick worked at U.S. Bank where he was a senior model risk manager with governance, model validation and model development responsibilities for the Bank’s Basel II Pillar 1 A-IRB, Pillar II ICAAP (interest rate risk, credit risk weighted average, prepayment, deposit), credit origination and account management, market risk value-at-risk (VaR), reserve and impairment (ALLL, CECL, FAS 114 TDR) and CCAR stress testing models. Before joining U.S. Bank Nick was an Economist with the International Monetary Fund (IMF) where he worked on IMF conditionality, the Euro Area crisis countries and macroeconomic forecasting and outcomes. He joined the IMF after leaving the Office of the Comptroller of the Currency (OCC) where he worked in compliance risk focusing on fair lending, anti-money laundering (AML), and Basel Pillar 1 A-IRB retail mortgage regulatory validation. Nick has a PhD in economics from American University, MA in economics from American University and dual BAs in both economics and political science magna cum laude with history and music minors from the University of Oklahoma.