Ruth Joseph Email & Phone Number

Irving, Texas

• Program lead for the Risk & Control Self-Assessment Program (Managers Control Assessment-MCA) for the USPB ICRM organization.• Responsible for producing and managing quarterly State of Compliance Reports for PBWM, US Personal Bank (USPB) and Citi Global Wealth (CGW); engage with subject matter experts (SMEs) and regulatory SMEs in providing key reporting elements – emerging and significant risks, metrics, monitoring, testing and complaints. Vet report and messaging with Chief Compliance Officers and prepare talking points.• Perform monthly data analysis of Compliance Key Risk Indicators including trends, drivers, significant risks. • Engage with First Line on quarterly Compliance Risk Appetite Assessment; provide credible challenge to First Line’s key drivers for out of appetite status and path to green management remediation actions and target dates.• Risk Category Subject Matter Expert (SME) for Consumer/Client Protection Risk (CCPR) category by performing quarterly risk assessment at enterprise/Citigroup level; review policies and procedures. • Project Manager of Citi sponsored Certified Regulatory Compliance Manager (CRCM) Program - manage cohort of ICRM associates in American Bankers Association (ABA) online training; met with ABA and Citi leaders and stakeholders; provided coaching, monthly check in calls, and certification testing; demonstrated success with 78% pass rate, higher than the national ABA average of 60% for past 4 years.

Irving, Tx

• Developed and enhanced governance of CitiMortgage and Local Consumer Lending (LCL) business, regulatory, and Executive and Board Committee reporting by leading meetings with contributors and stakeholders, researching issues and events, editing, and delivering approved reports.• Led and managed the collaboration of U.S. Mortgage and Retail Bank joint reporting for monthly meetings of business risk, compliance and controls committee. • Executed monthly compliance dashboard reporting process for Global Consumer Bank (GCB) real estate and student loan risk issues in North America, including exams, internal audits, emerging risks, and regulatory changes culminating in monthly meetings with ICRM senior leaders and the GCB Global Head of Compliance. • Oversaw the Mortgage ICRM training curriculum to drive 100% completion and communicate with the team regarding increased training requirements beginning in 2018; facilitate access to third party course providers and escalate issues to the Citi Learning North America Compliance team to understand and resolve reporting issues. Key Achievements:• Designed SharePoint site for ICRM department, serving as centralized repository for key calendar events and deadlines, governance reporting, key initiatives, and training.• Proactively executed process improvements in the monthly dashboard reporting process resulting in increased efficiency and fewer hours spent each month in producing reports for CitiMortgage and LCL ICRM. • Volunteered to take on additional responsibilities with the departure of ICRM Training Coordinator by tracking regulatory required quarterly training and driving 100% completion each quarter.

Addison, Tx

• Performed strategic initiatives under direction of the Chief Compliance Officer (CCO), executive-level compliance reporting, and high-risk issue research and reporting for CEO deliverables; constructed presentation materials for bi-monthly Compliance Risk Management Committee and quarterly Board Compliance Committee meetings • Developed and continually enhanced governance function around: executive level reporting, charter revision, tracking/reporting requirements, reporting of key performance indicators and key risk indicators• Site designer and administrator for Compliance document repository and escalation SharePoint sites• Facilitated decrease in Compliance-owned high risk issues by monitoring and communicating with Compliance and Risk Department stakeholders and escalating as necessary• Contributed to the drafting and publication of the Compliance Risk Management Program Manual which outlines the framework, structure and processes for compliance risk management across the organization

Plano, Tx

▪ Oversaw quality assurance audits of law firms hired by the Bank with responsibility for conducting assessments of case files, pleadings, motions, discovery, hearings, trial documents, correspondence, and invoicesKey Achievements:▪ Reviewed and summarized findings, assigned scores based on adherence with bank policies, procedures, and practices, and compliance with state and federal laws▪ Made recommendations for disciplinary action based on findings to senior management in the ANFM, Legal, Risk, and Compliance departments▪ Recommended firm placement on Watch List or removal based on remediation efforts and reported results

Plano, Tx

▪ Managed 10 Litigation Specialists comprised of paralegals and attorneys with responsibility for oversight and mentoring on legal strategy, business solutions, and escalated issuesKey Achievements:▪ Key Contact for outside counsel and other business units; provided leadership for high exposure and high risk cases ensuring collaboration with senior management▪ Corporate Witness for testimony on behalf of the bank in court hearings and attendance at mediations to resolve litigated cases; successfully settled a $2M class action suit▪ Interviewed, hired, and trained new staff for MRT Plano and Jacksonville, Florida sites

Plano, Tx

▪ Managed a portfolio of 200 cases of defaulted and performing loans with responsibility from referral through resolution of the litigated matterKey Achievements:▪ Oversaw outside counsel responsible for case strategy to protect the assets of the bank; updated case database system with important documents, pleadings, discovery, and communications with counsel, investors, and internal bank contacts▪ Presented escalated case issues to senior management to provide settlement or legal strategy decisions

Dallas, Texas

▪ Case handling from intake to trial or settlement; filed motions, orders, and set hearings with civil courts to ensure timely completion of deadlines with all documents updated to legal database.Key Achievements:

Bachelor Of Science In Management, Accounting

Paralegal Certificate