Board of Directors

Had responsibility for supporting the first line businesses within the Commercial Bank, and building/managing a dedicated team, aligned to various key product and business lines within the Commercial Bank (Commercial Lending, Specialty Commercial, Liquidity Management, Digital/Channel Solutions, Foreign Exchange, Trade Finance and Global Operations and, Payment Solutions (e.g. Wires, ACH, Pay Fac, FBO, Cards, Merchant Services, Account Analysis, Remote Deposit, Bill Pay, etc.).

Supported the following as a Senior Compliance Advisor and Leader:Global Treasury Payments Compliance - (Commercial Credit cards, Merchant Services, Trade Finance and Foreign Exchange payments)Private Bank Compliance - (interim role 2018-2019 - Mortgages, HELOCs, lines of credit)Commercial and Consumer Deposits and related payment services - (e.g. Wires, ACH, Debit Cards, lockbox, bill pay and RDC)Digital Banking systems, Cash management products, liquidity productsMarketing, Advertising and Social Media compliance advisory for the firmOngoing Regulatory assessment coinciding with applicable regulations linked to areas of coverage, including specific Compliance policy updates/development.

Served to support the overall control, compliance and operational risk infrastructure for the Home Equity Loan (DHE) business. Responsibilities included leading the DHE BRIC team with effective management and oversight of Issues/Actions, Risks/Controls, Operational Risk Events, Audits/Exams, Policies and Procedures, Training and New Products/Initiatives.

Was aligned as the Senior Compliance lead in supporting all front office and general compliance/regulatory activities for the Specialty/Fuels/Dealer Consumer Card Partnerships (private label and co-brand) and private label Commercial credit card programs, comprised within the Retail Services credit card organization. Served as the Compliance lead for all new Mergers and Acquisitions, new business and partner program conversion activities within Retail Services. As the Compliance Front Office AML Liasion, provided SME guidance and advisory for BSA, AML and Sanctions matters within the Front Office.Was responsible for Partner and store/dealer level Compliance Training.Was responsible for building out a US Cards business alternative control framework and program to assess and oversee the risks tied to the credit card partnerships. This alternative framework was developed in consideration of both the OCC 2013-29 guidance and the Enterprise Third Party policy.

Responsibilities included promoting, supporting and ensuring that the US Risk and Compliance organizations residing in these second line of defense functions, properly owned and managed all key risks within their daily business support activities, while ensuring that applicable risks were appropriately and proactively identified, and further monitored and mitigated within a control environment that was commensurate with the risk appetite for the corresponding organizational activities and responsibilities.Partnered with key business teams in the Risk and Compliance organizations to facilitate the proactive management, oversight and escalation of issues identified..Provided coordination towards the building out of the Governance structures and Program Plans for the Risk Control and Assessment management function (operational risks), Internal Control Monitoring Plans, Regulatory Control and Risk Plans (regulatory/compliance risks), and establishing an overall Governance structure for the Risk and Compliance BRCM oversight function.

Responsibilities were centered on reestablishing a strong Compliance management structure and culture within the Retail Services Cards’ organization. Specific organizational focus from a Compliance management perspective was centered with the Macy’s portfolio.Worked to establish a strong collaborative relationship with both internal and external colleagues; while ensuring that the proper integration of Compliance management and practices were effectively imbedded into all key business processes and projects.Conducted an end to end review of all supporting business functions that support the Macy’s portfolio; with a keen focus towards ensuring that a strong and effective Board and Governance structure is in place.Engaged in a deep dive review of the issues management and project resolution process, which affects the timely and effective management of projects that are specifically tied to varying regulatory related requirements and exam findings.

Served as the Working Group Leader for the Retail Consumer businesses (Mortgage Lending, Small Business Lending, Retail/Consumer Banking).Supported the Data Quality and Governance End to End Testing Team in support of data driven examinations of the Basel Functional Businesses, with a current focus on the review of the data flows and corresponding business processes leading into the FFIEC 101 Reporting Schedules. Also provided Lead Project support for examinations.Conducted review of Critical Data Elements and corresponding Business Rules (modeling related - PD, LGD, etc); facilitating in-depth reviews and meetings with applicable business partners.

Basel II Project lead and manager for the US Basel II Implementation Committee. Performed ongoing review/analysis, periodic gap analysis work and a Capstone review to ensure proper alignment with the key Risk and Finance business frameworks encompassed under the section 22 final rule.Basel II Liaison, and Exam Manager - was responsible for management and coordination of regulatory relationships with the OCC/FRB on all Basel Related update meetings, Examinations, and Supervisory Letter responses.Managed the North America Policy Office, serving as the North American Policy Coordinator. Worked with key Business and Policy owners in the development of/ongoing update of all North America level policies. Facilitated the direct review and approval of all new and revised policies with the Senior Policy Committee (CEO and directs), and facilitated the completion of the annual review to the Board.Served as the Project Leader for the US Change Control Management Working Groups and the Change Control Steering Committee (with an emphasis on building out improved change management controls encompassed within the FFIEC 101 Reporting Schedules and Businesses -remediation work completed as a result of a North America level issued MRA).Served as the lead coordinator for the North America Risk Management Framework and the North America Risk Committee's Governance, in direct support of the North America Chief Risk Officer, and his directs (Risk Business Executives).

10/2008 - 10/2010 - Was responsible for overseeing the AML/BSA function for the North America Cards organization, which included managing both domestic staff and off-shore staff/resources. Responsibilities included, but were not limited to: Transaction monitoring, CTR and SAR filing's, PEP's, MSB's, 314a and 314b requests, reputational risk advisories, country reputational risk assessments, AML Training, OFAC/Sanctions advisory, interface with regulators (OCC) and law enforcement. I also supported the Fraud team during this timeframe from a Compliance advisory lens.10/2000 - 9/2008 - I had varying progressive roles within Compliance which included supporting the Reg W program, and, supporting all Advertising and Marketing reviews and advisement from a Regulatory Compliance perspective. Served as a Compliance Lead for private label e-commerce related projects, private label merchant/dealer website audits, back-end auditing of all private label program marketing collateral, along with supporting the establishment of the Gramm-Leach-Bliley (GLB) required Privacy program.