Lead teams responsible for end to end governance of the Bank's issue management, member remediation and operational loss processes.

Led a matrixed team of 18 risk management professionals and 74 external consulting resources, accountable for oversight and execution of the USAA Bank's restitution processes which is responsible for establishing minimum standards governing design, execution, documentation and oversight of member remediation and restitution activities. Manage multimillion-dollar vendor contracts in support of member remediation activities. Oversee and lead remediation reporting related to USAA and Bank Board of Directors (BoD), USAA and Bank management committees and regulatory bodies (OCC, CFPB and FED). Support assumptions with data-based analysis and lead complex negotiations with regulatory agencies. Developed and implemented the Bank Member Remediation Standards, Playbook, control processes and operational procedures to guide and govern restitution efforts. Directly coordinated with OCC examiners on program design and development, ultimately resulting in receipt of OCC non-objection to the Bank member remediation program. Lead direct interaction and negotiation with the OCC on remediation plans to resolve potential member harm as required under Article VI (3) of the OCC Consent Order dated January 7, 2019. Oversaw development and execution of the Redress Plan in accordance with the January 2, CFPB Consent Order. Directed efforts to implement critical technology infrastructure for restitution execution including design and implementation the Bank’s restitution database, as well as automation of check processing, account credit, and tax reporting processes. Efforts resulted in a 400% increase in daily execution capacity as well as a reduction in average time to execution by more than 150 days. Oversee the Banks’ Loss Data Program developed to detect, document, and report on operational losses within the bank in accordance with Basel III standards.

Led a matrixed team of 8 Risk Management professionals, accountable for control oversight and risk mitigation in the Shared Services organization, governance of the member restitution program, as well the Internal Control over the Financial Reporting (ICFR) program for USAA’s Banking operations. I directed control development and risk mitigation within Shared Services, including Bank Data & Analytics, Disciplined Execution, Agile Center of Excellence, Member Complaints, Adaptive Planning & Strategic Delivery, Change Management, and Bank Board Support. Devised controls to support the shared services organization, including all Data & Analytics, Agile, Project Implementation, and Process Mapping teams. Managed team responsible for oversight of internal controls of financial reporting process.  Led fulfillment support of detailed OCC and CFPB inquiries into restitution activities, featuring an issue management review project of 2.3K+ issues logged by the Bank and its affiliates during a 2-year period, to uncover potential violations of law, possible member impact, and ensure appropriate action was taken to make members whole.

Managed a team of 9 risk management professionals, charged with the development of the Risk & Control Self Assessments (RCSA) implementation strategy as well as oversight and governance of quality control functions. Managed risk and control identification and assessed effectiveness of controls. Led team that finalized 120+ Risk & Control Self Assessments (RCSA) in 12-month period, resulting in recognition of 300+ management identified issues. Propelled development of USAA’s first compliance library, assisting with regulatory citation level mapping to various Bank procedures, driving a robust compliance change management process for USAA’s banking operations. Spearheaded the development of a Quality Assurance Framework to outline standards for Quality Assurance (QA) programs within banking operations as well as the QA tool, assisting a consolidated view into process compliance performance and consolidated reporting with a tool presently used to arrange transaction level QA testing for 130+ bank processes and by 450+ bank employees daily.

Championed development and delivery of risk management and Risk & Control Self Assessments (RCSA) training as part of Execution Excellence (EE) effort across the bank. I provided a systematic approach to understanding, improving, and managing all business processes, as well as leading constant implementation and continuous improvement in support of comprehensive bank strategies. Supervised complete re-design of process hierarchy of the Governance Risk and Compliance (GRC) application, encouraging transparency and consistency in risk and control documentation across banking operations. Reigned over remapping of bank procedures for 2K operational processes. Effectively rolled out training plan that year and completed a complete redesign of the process hierarchy, promoting consistency across the Bank.  Guided transition to a new Governance Risk and Compliance (GRC) system.

Managed the bank’s Internal Control over the Financial Reporting (ICFR) oversight program, in compliance with NAIC Model Audit Rule (MAR) and the Federal Deposit Insurance Corporation Improvement Act (FDICIA). I was responsible for discovering, evaluating, and managing potential sources of misstatement risk to USAA’s financials. Managed identification and risk assessment of internal fraud scenarios for use in USAA’s real-time Internal Threat Monitoring (ITM) program. Assisted with the development of a proprietary financial statement account scoping tool, utilized to systematically analyze financial statement elements from the Balance Sheet and Income Statement, for each business unit to detect significant general ledger accounts. Led risk assessment of USAA Corporate Card processes resulting in a complete revision of USAA’s corporate card guidelines. Supervised the project to systematically update the Corporate Card Guidelines, synchronizing with legal and compliance approval and final distribution to all USAA corporate card holders. Devised and instituted the enterprise internal control program and created documentation standards to support financial reporting.

Served as Subject Matter Expert on projects to select and implement a vendor software package to automate regulatory reporting tasks, including management reporting, capital liquidity analysis, and regulatory required stress testing, as well as capability to meet future regulatory requirements. Key role in the implementation of a regulatory reporting solution utilized by USAA regulatory reporting to produce and file the FR Y-9C. Directed efforts to ready the organization for Federal Reserve supervision due to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

Enhanced existing controls by automating various processes including the development of a lease accounting tool which was implemented through USAA ICE, saving over twenty five hours of manual data entry per month while providing a scalable process to meet changing business needs.• Actively monitored regulatory reporting requirements and assisted in the development of new accounting policies to meet changing regulatory guidelines• Responsible for the testing of Internal Controls over Financial Reporting (ICFR) for P&C general accounting.

Responsible for quarterly and year-end financial statements for USAA Federal Savings Bank and USAA CAPCO. • Served as a direct contact between the association and external auditors, coordinating external audits and examinations. • Responsible for the completion and submission of regulatory reports to various state and federal agencies as part of yearly filing requests.