Chief Risk And Compliance Officer
Current
Jul 2021 - Present
AeroLeads people directory · profile
Steve Carmichael Email & Phone Number
Chief Risk and Compliance Officer reporting to Company CEO and Board of Directors
at
Encore Capital Group
2 work emails found
@discover.com
3 phones found area 847, 224, and 212
LinkedIn matched
✓ Verified Jun 2026
4 data sources
Profile completeness 100%
Current company
Role
Chief Risk and Compliance Officer reporting to Company CEO and Board of Directors
Location
Carlsbad, California, United States
Who is Steve Carmichael? Overview
A concise factual answer block for searchers comparing this professional profile.
Quick answer
Steve Carmichael is listed as Chief Risk and Compliance Officer reporting to Company CEO and Board of Directors at Encore Capital Group, based in Carlsbad, California, United States. AeroLeads shows a work email signal at discover.com, phone signal with area code 847, 224, 212, and a matched LinkedIn profile for Steve Carmichael.
Steve Carmichael previously worked as Chief Risk and Compliance Officer at Encore Capital Group and Head of Enterprise and Financial Risk Management, Vice President at Discover Financial Services. Steve Carmichael studied at University Of Michigan - Stephen M. Ross School Of Business.
Company email context
Email format at Encore Capital Group
This section adds company-level context without repeating Steve Carmichael's masked contact details.
{first}{last}@discover.com
89% confidence
AeroLeads found 2 current-domain work email signals for Steve Carmichael. Compare company email patterns before reaching out.
Profile bio
About Steve Carmichael
Chief Risk Officer in financial services, owning business functions for Fortune 500 companies. Expertise in diverse large Financial Services institutions: consumer banking, lending, and payments. Solves complex problems, helping organizations connect with customers and identify and manage their most significant risks (not just check the box) by combining strategic thinking, partnerships, and as servant leader, with relentless drive to deliver programs designed to unlock business value.Builds new processes from scratch by bringing together diverse teams, leading from strategy to execution, clarifying, aligning processes and unlocking corporate value. International background in Europe, United Kingdom, Hong Kong, and Singapore.
Listed skills include Strategy, Management, Business Development, Analytics, and 13 others.
Current workplace
Steve Carmichael's current company
Company context helps verify the profile and gives searchers a useful next step.
13 roles · 27 years
Steve Carmichael work experience
A career timeline built from the work history available for this profile.
Head Of Enterprise And Financial Risk Management, Vice President
Heads group of 60 full time professionals responsible for Companies’ risk framework. Holds oversight of Enterprise, Credit, Liquidity, Market and Counterparty Risk. Role includes frequent contact with Regulators and the Company's Board of Directors.
Jan 2019 - Jun 2021
Vice President, Head Of Risk Strategy
Responsible for Strategic Planning for Discover's 800 person Corporate Risk Management group. Also included responsibility for Board Reporting, management of risk integration efforts, company wide training, policies and procedures
Dec 2016 - Jan 2019
Vice President, Chief Compliance Officer
Assumed additional responsibility as Discovers Chief Compliance Officer, overseeing all aspects of Consumer Compliance for Discover Financial Services
Feb 2018 - Dec 2018
Vice President - Cards Risk Officer
Directed $56B Credit Card business. Built risk function to respond to heightened regulatory expectations, managed team of 170 full time employees. Direct report to executive vice president of US Cards.
Sep 2013 - Dec 2016
Senior Director
Head of Growth Strategy and Business Risk for Capital One's Branded Cards Partnership business
May 2012 - Sep 2013
Director, Marketing
Hsbc Card And Retail Services
Chief Marketing Officer of Private Label credit card business. Led 8 strategic merchants’ $20M marketing budget. Led regulatory and compliance project implementation and transition of Business to Capital One.
May 2009 - Sep 2012
Director, Pricing
Aug 2008 - May 2009
Director, Business Development
May 2007 - Aug 2008
Vice President, Strategic Planning Manager
Mar 2004 - May 2007
Director Of Strategy, Co-Founder
Xoomworks
Apr 2000 - Sep 2003
Senior Consultant
1999 - 2000
~1 yr
Senior Consultant
1999 - 1999
3 education records
Steve Carmichael education
Education record
University Of Michigan - Stephen M. Ross School Of Business
Rma Advanced Risk Management - Banking
The Wharton School
Ba, English
Vanderbilt University
FAQ
Frequently asked questions about Steve Carmichael
Quick answers generated from the profile data available on this page.
What company does Steve Carmichael work for?
Steve Carmichael works for Encore Capital Group.
What is Steve Carmichael's role at Encore Capital Group?
Steve Carmichael is listed as Chief Risk and Compliance Officer reporting to Company CEO and Board of Directors at Encore Capital Group.
What is Steve Carmichael's email address?
AeroLeads has found 2 work email signals at @discover.com for Steve Carmichael at Encore Capital Group.
What is Steve Carmichael's phone number?
AeroLeads has found 3 phone signal(s) with area code 847, 224, 212 for Steve Carmichael at Encore Capital Group.
Where is Steve Carmichael based?
Steve Carmichael is based in Carlsbad, California, United States while working with Encore Capital Group.
What companies has Steve Carmichael worked for?
Steve Carmichael has worked for Encore Capital Group, Discover Financial Services, Capital One, Hsbc Card And Retail Services, and Hsbc.
How can I contact Steve Carmichael?
You can use AeroLeads to view verified contact signals for Steve Carmichael at Encore Capital Group, including work email, phone, and LinkedIn data when available.
What schools did Steve Carmichael attend?
Steve Carmichael studied at University Of Michigan - Stephen M. Ross School Of Business.
What skills is Steve Carmichael known for?
Steve Carmichael is listed with skills including Strategy, Management, Business Development, Analytics, Marketing, Strategic Planning, Financial Services, and Business Strategy.
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