Implement heightened risk standards for front line Retail Banking, Deposits and Retail Payments while operating within risk tolerances. Identify risk related issues in respective business organizations related to compliance and operational risks. Execute risk management tasks, projects, and activities which includes administering and creating strong action plans and timely mitigation of risk. Collaborates with Business Control Management and 2nd line of defense team members to support and ensure effective risk mitigation. ● Incorporates established risk standards and parameters into business unit operating policies and procedures● Guides the management and oversight support of the compliance and audit requests from the 2nd and 3rd line of defense, to include exam material collection and verification of requests.● Communicate issues, deficiencies, and corrective actions throughout the business unit● Provides a narrative summary to independent risk management, internal audit, executive management, board and management committees which address key and emerging risks, business performance against limits and key risk indicators, exceptions, self-identified deficiencies, testing results, consumer complaints, operational losses, training completion, and the remediation of deficiencies. ● Make recommendations to the Central Risk Organization regarding the enterprise risk control governance framework and the standards and parameters established to govern risk-taking activities. Develop and execute action plans to mitigate the risk of a trigger or appetite breach.● Lead escalation processes to resolve issues involving disagreements among the lines of defense and actively participate in discussions regarding matters where corrective actions have not been adequate or timely● Manage expectations and accountability for the team of supervision professionals in consultation with Business Controls Management and independent risk management.

Spearheaded all aspects of business line vendor / supplier / fulfillment management for the CRM Vendor Management team, overseeing multiple relationships with key stakeholders and providers of critical services for originating Mortgage, Equity and Third-Party appraisals- Managed daily oversight around vendor / supplier management practices and conduct monthly sessions with each Appraisal Management Company (AMC) to drive improvement in the appraisal process- Successfully integrated and on boarded nine additional vendors, seven through the Franklin America acquisition without contracts in place and two firms new to Citizens to improve performance in specific markets - Ensured cost control by collaborating with finance to accurately reflect fulfillment costs in forecasts / budgets.- Provided oversight to services delivered by AMCs and ensured alignment with Service Level Agreements - Led monthly vendor meetings to drive improvements, discuss Service and Quality issues throughout the month, drive process improvements within fulfillment, operations, and vendor handoffs- Facilitated contract renewal processes and monitored compliance with Vendor Management Policies.- Maintained policies / procedures related to Collateral Vendor Management processes and applicable controls- Pioneered a new scoring metric with data analytics team to score Appraisal Management Companies with one holistic metric, covering Turn Time, Error Rate, Quality, Service, and appraisal score in one measure- Coordinated with Senior Leadership, Regional Managers and Sales leads to implement reporting solutions and change allocations to Vendors with superior performance in specific markets

Advise on new processes / products, initiatives and strategies from a risk and control perspective; guide the business unit(s) through the various governance approvals related to new initiatives; liaison with other risk areas and operations to ensure processes are designed with proper controls; and advocate on the business lines behalf to ensure effective and timely incorporation of risk management into everyday operations. Acts as lead for exams for Servicing and Default product functions under review. Participates in all critical interactions with the regulators and internal audit.- Proactively participate as a Risk Partner in Mortgage Operation initiatives including change initiatives and process reviews aimed at improving existing processes and identifying gaps.- Partner with and support the Servicing (Payments) and Default (Foreclosure, Property Preservation and Bankruptcy) Lines of Business, mitigating risk by mapping processes to identify control breakdowns, documenting and designing new controls or updating current controls, performing sustainability testing of controls for issue remediation and audit validation/review - Initiate Foreclosure and Bankruptcy risk projects using Project Management Professional background and methodology, while influencing business partners whose priority lists are not risk focused to implement solutions on time- Trusted advisor in the remediation of open issues identified by Mortgage Ops Management, colleagues, and other assurance functions (Audit, Regulatory, Third Party Assurance, etc.)- Design Line of Business (LOB) controls, ensuring processes follow Regulatory/ Legal compliance along with any investor requirements - Provided day-to-day leadership and execution of risk projects related to Servicing, Foreclosure and Bankruptcy. - Collaborate with key leaders across the company to drive develop schedules, work break down structures, critical deliverables, budget, resource allocation, and critical path management.

Created, coordinated, and distributed Mortgage and Corporate Committee Reporting packages and other presentations to senior management which are also reviewed by the Fed- Bridged communications between risk management and operational units, ensuring understanding and timeline implementations of corporate reporting initiatives.- Correspondence with senior mortgage leadership to obtain current Key Risk Indicators and Key Risk Indicator Values, and maintenance of those in the Integrated Risk Management system- Coordination of parameters, input, training, rollout of Integrated Risk Management system and interim systems- Managed the Standard Operating Authority process for the Mortgage company, including annual review of signing authorities with each of the business segment leaders- Implemented solutions that align with Fed Consent order requirements- Partnered with Corporate Operational Risk to identify and implement solutions for Consumer Banking and Mortgage lines of Business- Internal Project Manager for Operational Risk Initiatives and execution of the annual schedule of Risk Controls- Maintenance of Self Testing System along with annual self-test coordination

Communications liaison between Credit and SunTrust Mortgage, as writer/editor and support development of internal communication materials while partner with Marketing Teammates to promote Credit Strategy • Lead Strategy, Planning and Communications activities for the Credit Administration division, to ensure delivery of key Credit Administration messages and information • Designed and implemented the Credit Communications Governance Guideline Document outlining the communication process in the Credit division• Designed website look and feel for each business unit in Credit Administration and partnered with SunTrust Marketing, Legal, Policy and Resource Departments to drive and implement site launch • Works with senior leadership staff to employ effective communications strategies within the Credit and Mortgage organizations • Simultaneously manages multiple communications projects with various internal and external customers.• Ensures consistent messaging of all corporate-wide Credit communications• Created a continuous improvement feedback loop to measure effectiveness of internal communications programs. Using results to strengthen the planning and execution of future programs.