Ray R. Email & Phone Number

New York, New York, Us

Operationalized the global transformation program resulting in a final approval of comprehensive plan across all business and functions, delivering results on time. Connected global transformation priorities throughout Citi's business network, embedding technology and data plans, drove war room efforts to meet critical priorities and ensured alignment and collaboration among teams. Developed change management initiatives to drive employee engagement and adoption.

New York, New York, Us

Responsible for creating a robust, sustainable, and forward-looking governance & control framework and practice throughout Citi Latin America. With primary oversight of 23 countries throughout Latin America the CAO role is responsible for strengthening of the control environment, anticipating risk and control issues, and working with the business and function heads, as well as with regulatory authorities in addressing known and anticipated risks. Responsibilities also include managing cyber security response, geopolitical events, AML/Sanction risk, cyber security, regulatory remediation, and credit & market-related challenges for our regional footprint and promotion of a culture of ethical behavior, transparency and escalation throughout Latin America.

New York, New York, Us

Responsible for Credit Risk, Operations Risk, Model Risk, Financial Risk and policy-related functions for both the U.S. Consumer and Commercial Banking organization as well as the U.S. Mortgage Banking company. Implemented comprehensive risk management framework, integrating enterprise risk data, reporting, analytics, and modeling to enhance decision-making capabilities, executed strategic transformation and mitigate potential risks. Enhanced US Consumer Bank financial risk management and capital function by improving risk analysis and oversight and risk-based capital allocation aligned with policies and strategic efforts. Attracted, retained, and empowered risk management team while fostering a strong culture and risk discipline. Strengthened operational and control risk framework for servicing and originations resulting in early regulatory closure of industrywide consent orders.

New York, New York, Us

New York, New York, Us

Oakville, Ontario, Ca

Implemented credit risk modeling techniques to derive forecasts to evaluate future portfolio performance under expected and stress scenarios. Led a team that analyzes the mortgage insurance portfolio of insured mortgages and assesses the risk profile of new mortgage insurance business. Advised leadership of portfolio and economic trends and risk analysis and provided recommendations to advance credit policy strategies and set risk appetitive tolerances

Mclean, Va, Us

Resolved long-standing credit issues across all three company divisions, resulting in improved financial stability and risk management for Single Family, Multi-Family, and Capital Markets. Collaborated with industry partners and Treasury to develop loan programs and initiatives that aided at-risk borrowers after the financial crisis, leading to successful modification and refinance transactions. Led the team in the redesign of loss forecasting model, designed for expected and stress defaults and losses for new production as well as the legacy portfolio for determination of g-fees, single family capital requirements, credit structuring, as well as for financial statements. Designed and implemented a Board level credit policy establishing prudent risk limits using an economic capital framework for all credit and counter-party risk activities. Managed large loan approvals and led emerging risk functions within the $185 billion Multifamily portfolio encompassing whole loans, CMBS bonds, and credit guarantees.

New York, Ny, Us

Overall responsibilities include managing all functions and risk management activities as it relates to credit risk and compliance for WaMu’s Home Loans Group. Core areas include; Credit Policy, Credit Modeling and Analytics, Counter Party Risk, Treasury Compliance, Quality Control, Regulatory Compliance, Credit Operations, and Recourse Administration.

Area of responsibility includes maintaining the Mortgage Banking Risk infrastructure that supports and controls the business as it relates to Credit Risk Policy, Process, Compliance and Audit functions. Responsible for all Risk Management functions for seven operating units including Credit Risk Management, Quality Control & Compliance, National Underwriting, Automated Underwriting, Quality Assurance, Appraisal Services and Project Standards.Represented the Mortgage Company on various Bank activities including Credit, Risk management and the Treasury Risk Management Committees.