Head of Commercial Banking Regulatory Compliance team coverage of multiple complex Commercial Banking businesses (Loan/Account Portfolio of >$95B and Equity Investment Portfolio of >$1.4B). Oversee the compliance programs for establishing, implementing, and maintaining risk standards and programs to drive compliance with federal, state, agency, legal, and regulatory and Corporate Policy requirements. Work with businesses to structure activities to comport with regulatory and policy requirements while providing for maximum flexibility to operate within regulatory limitations. Serve on numerous Business Risk Councils with Business Executives.

Appointed Chief Administrative Officer covering horizontal Commercial Banking Regulatory Compliance (CBRC). Oversaw cross-business line U.S. bank regulatory compliance projects including Wholesale Loan Transformation program (focus on implementation of technology solutions for manual processes), New Business Initiatives oversight, CBRC quarterly metrics production and development and administration of surveillance and monitoring processes. Coordinated activities within CBRC between the Business Line Compliance teams and the Bank Regulatory Advisory team.Responsible for the CBRC Oversight of the Compliance Engagement in Technology Change Element among the various Business Aligned Compliance teams across Commercial Banking Compliance. The implementation proved successful and Internal Audit recognized the process as a model and best in class example of successful implementation.

Principal architect of building and maintaining the CBRC Consumer Compliance program including execution of risk management processes through the maintenance of the program for policies, procedures, and metrics. Oversaw and managed Compliance framework for a suite of U.S. Bank Regulations with an emphasis on Consumer Regulations for the Commercial Banking Division.Served in oversight and advisory compliance capacity for over 70 primary lines of business and operations with a Global presence in APAC, LATAM, EMEA, and Canada. Lead the Commercial Banking Consumer Regulatory and Fair Lending Community of Practice.Authored Compliance Training, Programs, and Standards for several Laws & Regulations, inclusive of but not limited to, the Servicemembers Civil Relief Act, Regulation B/Equal Credit Opportunity Act, UDAAP, and the Regulation V/Fair Credit Reporting Act.

Corporate Risk Management Role providing enterprise-wide oversight and governance of Wells Fargo Residential Valuation Risk (RVS) safety and soundness related activities across the enterprise, including all joint ventures, third party providers and the RVS group. (FIRREA Regulation Y Subject Matter Expert)Established and maintained the Wells Fargo Corporate Policy for Residential Real Estate Appraisal and Evaluations. Created Quarterly Valuation Compliance Risk Metrics for the Chief Risk Officer. Regulatory Relations Point of Contact - Coordinated materials and interfaced with Primary Regulator pertaining to the Program.Designed and executed Third Party Risk Oversight of Appraisal Management Companies and authorized to oversee selection and maintenance of the Wells Fargo Approved Panel of AMC Third Party providers as a result of the very robust due diligence applied as a result of the Program I designed. Lead multiple Third-Party onsite compliance assessments with a cross-functional representation from within the bank up to 20 stakeholders for which I directed and lead the associated strategy, planning, and execution of the onsite compliance assessments.

Oversaw Consumer and BSA/AML risk of HomEq Servicing a Barclay’s Capital subsidiary:• Mortgage-Backed Securities of $65B consumer residential portfolio• Served as Executive Committee member, dual reporting to Chief Executive Officer of the subsidiary and Compliance Director for the Americas of Barclays Capital. • Developed a robust Consumer Regulatory Compliance Risk testing and validation program. Evolved program strategy from a mere seven reviews to over 113 annually.• Created comprehensive business self-assessment scorecards capturing business continuity, inherent operational and data risks, adequate control mechanisms, monitoring of SOX, BASEL II, and Reg AB controls, human resource risk, and policy gaps, directly impacted management ICP and kept executive leaders abreast of material issues.• Chaired Quarterly Executive Risk Committee.Participated in Regulatory Relations Exams of the Subsidiary

Oversaw Consumer and BSA/AML risk of HomEq Servicing a Wachovia subsidiary:• Mortgage-Backed Securities of $65B consumer residential portfolio• Served as Executive Committee member, dual reporting to Chief Executive Officer of the subsidiary and Corporate Risk Management Executive in Wachovia. • Developed a robust Consumer Regulatory Compliance Risk testing and validation program. Evolved program strategy from a mere seven reviews to over 113 annually.• Created comprehensive business self-assessment scorecards capturing business continuity, inherent operational and data risks, adequate control mechanisms, monitoring of SOX, BASEL II, and Reg AB controls, human resource risk, and policy gaps, directly impacted management ICP and kept executive leaders abreast of material issues.Created robust BSA/AML program which included transition of manual processes to an in-house automated tool which afforded reporting for top of house and pipeline/aging of referrals for management.• Chaired Quarterly Executive Risk Committee.