TIAA-CREF – Senior Consultant – Contract TransformationCharlotte, NC. (06.01.22 to 12.05.23)Project Manager & BA - Contract Transformation – Cash Management, Money Movement & Beneficiary Designation – Minimizing Risk converting / transforming retirement contracts.Truist Bank – Senior Consultant – Digital BankingCharlotte, NC.(12.31.21 to 06.01.22)Project Manager & BA for Digital Banking TransformationTruist Insurance – Senior Consultant – M & ACharlotte, NC. (06,01.21 to 12.31.21)Project Manager & BA for OFAC reporting – Acquisition of insurance holding company.Truist Investments – Senior Consultant – Wealth Brokerage Merger / Conversion – BB&T / SunTrust to Truist, Charlotte, NC. (10.21.19 to 06.06.21)Project Manager / BA and Industry SME responsible for the merging two BD Wealth Sales Organizations in accordance with Truist Corporate Governance guidelines, creating Truist Investments -- CMA submission with FINRA – Merged a Self-Clearing BD and an Introducing BD (National Financial / Fidelity Investments) Fully optimizing the use of IT, transforming the business operations, policies and internal controls to provide increased effectiveness, transparency and efficiency.

Fidelity Investments / Veritude - Risk Analyst.Regulatory mail review -- Management report presented. Wells Fargo through CLA -- Consent Order - PM - Consulting assignment, Operational Risk Oversight to prepare for Bank / Regulator meeting.Fidelity Investments / Veritude, Merrimack, NH - Business Consultant - Legal Shareholder Services . Prospectus Review.State Street Bank, Boston, MA - Project Manager, Consultant.LCARS, Legal and Compliance -- Bankruptcy PlaybookFidelity Investments / Veritude, Smithfield, Rhode Island – Business Consultant - Personal Investing Legend Securities, New York, New York.To bid on proposal to liquidate US Government & State assetsTATA Consultancy Services (TCS), Boston, Massachusetts & New York, New York. Business Consultant – Global Consultancy Practice Practice – Corporate Governance, Brokerage, Capital Markets, Asset Management, Trading, Operations, Compliance & Risk Management and Off-shoring Subject Matter Expert, SME -- Project Manager for Retail Cash Management Prototype - Supported US BD Mutual Fund Trading Off-Shoring assessment & transitionBank of America/Merrill Lynch & CFS Consulting Services, London & Geneva – 2011Management Consultant - Operational Risk review of International Trade Processing Operations -- London & Geneva -Contracted to audit & review Operational Risk associated Corporate Governance, HNW International Trade Execution and Cash Management Processing for London & GenevaRoyal Bank of Canada, Dominion Securities, Toronto, Canada.Management Consultant - Risk OversightMorgan Stanley Smith Barney, New York, New York.Management Consultant - Joint VentureDrexel Hamilton, New York, New York.Managing Director / Independent ContractorTraining recently disabled veterans for a career in Financial Services – Asset Management, Prime Brokerage & TradingMillennium Partners, New York, New York & London, United Kingdom.Management Consultant -- UK Fixed Income Operations

Recruited by Fidelity Chief Compliance Office for Operational Risk Management Reporting & Compliance Dashboard review in accordance with Corporate Governance and Mutual Fund Board, SEC 38a-1 and 206 (4) 7, reporting requirements. Supervised Fidelity Broker Dealer delegated SP, License & Registration reporting team and Supervisor Principal delegated oversight in accordance with established FINRA mandated remediation

Managed Trading & Risk Oversight controls for HSBC Brokerage (USA), HSBC Private Banking (USA), and HSI Canada Retail Trading in accordance with Corporate Governance – 38 US Reports, 12 Canadian Reports – P&L $5MM• Led Self-Clearing initiative for conversion of HSBC introducing Broker Dealer Trading Operation and Platform to direct relationship with US Exchanges, Floor Brokers, Market Makers, Fixed Income Counterparties and ECNs.• Directed trading technology requirements, workflows and procedures to support all aspects of fully-disclosed trading for self-directed and Investment Advisor-directed client brokerage accounts (US & Canada). Vendors – ADP, Bloomberg, S1/Davidge, SciVantage, TAG & Bysis.• Oversaw Risk Oversight & “Best Execution” of all Retail Equity, Options and Fixed Income trade execution for both the US and Canada, ensuring adherence to established regulatory guidelines (e.g., SEC Rule 11ac1-5, NASD Conduct Rule 2320 and Canadian Uniform Market Integrity Rule –UMIR).Key Accomplishments: • Created US Private Banking & Retail Trading, Broker Dealer Hub to support internalization of US orderflow for HSBC international affiliates -- Established exchange memberships with BOX, BSE, CHX, PCX and PHLX to reduce execution costs by 50%. • Minimized risk exposure and trading errors by 93% and error rate at 28% below industry standards.

WitCapital Europe/WitSoundView Europe, Director Brokerage Operations, 1/00 to 12/00Enba -- First-e, Manager International Settlements & Operations, 6/99 to 12/99Developed and Managed European Broker-Dealer for Boutique Investment Bank -- Initially engaged by Enba/Firste prior to joint venture between Enba/First-e Bank and WitCapital/WitSoundView Europe. -- Developed and implemented a European operations, settlements/clearing network (i.e., clearing agents, execution-only brokers, banks and custodians) and corporate actions infrastructure for the UK and Germany -- initiated France. -- Developed the brokerage books and records operating system in an Agile environment with developers in both Dublin, Ireland and Frankfurt, Germany.

Transferred to London from Fidelity US to mitigate operational risk and oversee SFA mandated dematerialization with CREST.Key Accomplishments:• Reconciled the Fidelity UK Broker Dealer Books & Records and Statement Reporting discrepancies under the review of the UK regulators • Start-up -- Developed and managed US brokerage in-house custody operation infrastructure within brokerage regulatory environment to support in-house Fidelity relationships

Managed the daily client servicing of 30 Japanese Fortune 100 relationships.

Global Securities Services; Defined Contribution Service; and, Defined Benefit ServicesGlobe*Star Development Team

Security NCO for Chairman of The Joint Chiefs of Staff