A highly accomplished and driven FINANCIAL SERVICES EXECUTIVE with domestic and international expertise in corporate governance, risk management, team leadership, operations, auditing, regulatory compliance, quality control, and continuous process improvement. Possesses specific expertise and experience in payment systems risk, regulatory risk, and business process risk in capital markets, cash management, credit cards, auto lending, home loan, and personal loan. Leads and motivates dynamic teams to reach new benchmarks in performance. Serves as a cost-conscious change agent who ushers in a future of profitability by continually seizing opportunities to improve processes and capture significant savings for an enterprise. Pragmatically balances risk & control with optimizing operations effectiveness and revenue opportunities.•Senior risk management consulting & advisory role with major bank(s) and financial service companies. •Built a National Lending Compliance program in the consumer product families of Capital One.•Senior leadership in the Capital One Compliance Department.•Accountable for the applicability and implementation of 3000+ requirements, and related controls.•Led due diligence for acquisition reviews of card and mortgage businesses.•Extensive interaction with regulators: Federal Reserve; OCC; CFPB, OTS, individual state regulating authorities.•Accountability for the legal & regulatory compliance of the US-based card businesses of Citigroup.•Built the Compliance function for an auto finance business.•Senior Credit Officer in the auto finance businesses - footings of $20B & earnings of $200M.•Senior Operating roles in private banking, capital markets, and cash management.•International banking & finance experience in 25+ countries.•Built & managed the work, expenses and teams for maximum effectiveness across multiple countries and business units.•Consistently recognized for quality and value-added performance.