Lead and manage the front-line Regulatory, Risk & Control team for the Asset Based Lending Unit ($70B). Serve as strategic leader for operational, regulatory, and compliance risks. Facilitate the design and execution of company’s risk framework.• Oversee implementation of all operational risk and regulatory control programs such as Risk and Control Self Assessment (RCSA), QA/AC of controls, partnering with all three lines of defense.• Conduct monthly governance and risk committee meetings with 1 LOD senior management on control efficacy, organizational changes, industry trends, new/modified markets, systems, products, and services.• Work cross-functionally with front office and second line of defense teams when regulators and auditors conduct exams. Engage with regulators on a quarterly basis. Also responsible for remediation of regulatory feedback.• Serve as the primary contact for the Issue Management Program; Provide effective challenge to issue owners, oversee implementation of corrective action plan and issue validation (including sampling, control testing and ensuring solutions are sustainable).• Lead, guide, and coach staff, and foster an environment which encourages partner participation, teamwork, and communication.• Oversee the development and maintenance of playbooks, policies, procedures, for key/non-key controls.• Influence the development of business process, new product offerings, and entering new markets ensuring that these changes fit within the Risk Framework.

Served as an independent risk management consultant within the first line for operational and compliance risks. Worked closely with senior leaders within Second Line Risk and Internal Audit organizations in the development and execution of company risk management strategies.• Oversaw the Issues Management program, including identification and reporting of risks and issues, ensuring issues were well written, corrective actions addressed the risks identified, issues were closed properly, and solutions were sustainable.o Built a control testing/validation process that minimized the challenge by second line, third line and regulatory validation teams.o Established issue management review and reporting routines that provided transparency to business leaders on issue status and progress.• Spearheaded the Operational Risk Incident Management programs; provided a creditable challenge to process and control owners on current state processes to improve credit and operational controls; partnered with centralized Risk Program teams to ensure consistency of execution and implementation.o Built a tracking tool to help identify systematic risks that ultimately led to issue identification and balanced workload between team members handling incidents.

Sr. leadership role in the Loan Review department (2LOD) covering Wholesale Credit Risk (CRE, Leveraged Lending, Cash Flow, Health Care, Dealer Finance, Equipment Finance, and Special Assets), including the scheduling and planning of credit risk exams. Led a team of 10 VP and AVP-level team members.• Improved department performance by reducing exam turnaround time by 61%.• Communicated with bank regulators during exams to get feedback and/or regulatory concerns and presented during the monthly regulatory review of TCF’s credit quality.• Tracked and validated issues identified by internal audit and regulators.• Redesigned Loan Review departmental policies, procedures, and documentation for all examinations.• Oversaw all aspects of exams, which opined on the sufficiency of credit policies, quality of loan risk ratings, appropriateness of credit decisions, business units credit processes, account management and portfolio governance practices, compliance with credit policy, and overall credit risk process across TCF Wholesale.

Assessed the quality of credit decisions, credit structures, and credit risk governance across GE Capital Business Units (GE Retail Card Finance, LATAM, and Equipment Finance) as second line of defense. Determined the effectiveness and accuracy of underwriting, account management, portfolio management, and problem account identification. Evaluated compliance with credit risk policies. Validated the integrity of corporate risk classification and adequacy of collateral and/or enterprise valuations.• Prepared and presented findings and recommendations to multiple levels of senior management, including the GE Capital Audit Committee.• Worked with businesses to implement resolutions to solve identified issues, with specific responsibility for Latin America because of Spanish language skills, Corporate HQ, and Retail Card Finance (Credit Strategy adequacy and sufficiency).• Developed subject matter expertise on regulatory expectation for credit risk management and governance and reviewed policies and procedures for effectiveness and completeness.

Management position in CNH Capital's European credit risk organization. Responsible for the direction of the audit function in all CNH Capital's EU markets. Managed the process of auditing the network of CNH dealers in the EU market and detecting evidence of loan default and other risk identifiers.• Directly managed budget of ~1.5 million €'s and a staff of ~30 third party auditor contractors across 12 EU countries. In addition responsible for coordinating relations with third party audit provider for Brazil and Australia.• Launched new software platform while redefining the purpose, role, and importance of the auditing department within the commercial lending function. Implemented new policies & procedures in compliance with each country's applicable laws, which standardized the audit practice while creating process efficiencies. Reduced cost per audit by 15% while increasing the ability to properly document data used to manage credit and default risk.• Implemented and managed a cross-functional team of underwriting, audit and portfolio management departments to improve the flow of risk information between the departments. The team developed improved reporting for better decision making on the part of portfolio management and underwriting.

• Key leadership position for the Span & Portugal market in CNH Capital's European market. Responsible for the direction of wholesale lending activities which include credit risk management, portfolio management, collections, and account management.• In country approval authority of up to € 3,000,000 for a total portfolio of € 100,000,000.• Implemented numerous controls and processes efficiencies which improved turnaround time on credit applications, and reduced past due balances by 25% over a 4 month period.• Additional key responsibilities include strategic business planning and implementation, P&L and balance sheet responsibility, building and fostering strong business relationships with dealers and customers, maintaining good relationship with sales & marketing partners, supporting 4 Brands of CNH Commercial sales (Case and New Holland-Ag & CE), monitoring/resolving bank regulator concerns, and seeking new financing and banking relationships.

•Key leadership position for the Mexico market. Responsible for the region’s P&L and balance sheet, lead all commercial and consumer lending activities including credit risk management, portfolio management, credit approval, risk classification and account management;•In country approval authority of up to 3 million MXP for a total portfolio of 200 B MXP;•Minimized losses to construction book of business; •Implemented improved operational controls, communication strategies and processes efficiencies which lead to improved score card metrics: reduced delinquent account balances by over 50%, improved documentation and quality credit requests/approvals and decreased turnaround times on loan approvals by 15%.

•Lead and developed staff member in U.S. and Canada (~30 heads);•Ensured proper execution of inventory audit process including compliance with scheduled frequencies as to best manage client relations, credit risk and policy compliance;•Lead the rotational development program (recent college graduate);•Lead ABL loan exam teams (aka borrowing base audits); verified client’s financial records and compliance to lending policies

•Served as the Sr. risk manager/underwriter to the Pacific Region and supervised the collateral audit staff;•Management responsibilities include training new staff in areas of inventory audit; asset based lending, underwriting and risk management with credit approval authority of $20 million

•Monitored a $1.7 billion commercial credit portfolio for change in risk factors, using advanced financial analytical techniques and sophisticated statistical tools. •Analyzed commercial credit request by examining financial statements based on GAAP standards, credit scoring client business, estimating loss given default, and probability of default. •Interface with clients when performing audits of client’s financial records. Audit results were then presented to the client’s management staff as well as presented to Volkswagen Credit’s executive decision committee.