Direct enterprise risk management program including risk assessment, quantification, line of business integration of risk practices, remediation, development of risk tolerances, key risk indicators and ongoing identification and reporting of current and evolving risks impacting the organization. Development and ongoing management of bank policies and procedures including consultation with line of business policy owners to ensure compliance with applicable regulatory requirements. Administration of business continuity, disaster recovery and external loan review programs. Provide ongoing guidance and consultation on various risk management initiatives and functional areas including internal audit and compliance and governance.

Responsible for internal audit, compliance, information security, loan review, fraud, corporate governance and regulatory relations.

Responsible for Risk Management Division comprised of Internal Audit, Information Security, BSA/AML, Compliance, Operational Risk, Loan Review and CRA Departments. Serve as Chair of Risk Management and Compliance Committees. Member of Loan Quality, Technology and New Products and Strategic Planning Committees. Oversee all corporate governance activities.

Various management positions in Risk Management Division. Lead Loan Review Department, implementing innovative review strategies to provide value-added credit quality oversight. Responsible for administration of lending authority and lender certification reviews. Played key role in implementation of COSO risk management framework, development of risk assessment program and key risk indicators across mutiple business lines. Managed SOX testing process and implemenation of Basel II compliant risk management practices.

Charter employee of Consumer Lending Operations Center (CLOC) operating as American Express Centurion Bank. Developed Credit and Collection Policy, established Outside Agency / Legal Department. Directed transition of Equity Resource Line Product from Shearson subsidary. Responsible for all marketing, operations, underwriting, customer service and administration of the Equity Resource Line product. Member of Optima Card launch team.

Managed various offices in Southeastern PA region for national consumer finance organization offering personal, commerical, home equity and sales finance loans.