Oversee comprehensive regulatory relations for UBS Bank USA ensuring adherence to industry standards and fostering strong relationships with regulatory bodies. Implement and maintain a robust committee framework throughout the Bank to streamline decision making and enhance operational efficiency* Author and continuously update the bank’s risk governance framework, encompassing the enterprise risk policy, risk appetite statement, and overarching policy framework to guide risk management practices and ensure regulatory compliance* Spearhead initiatives to align with OCC heightened standards and successfully navigate the transition to a national charter, ensuring full regulatory compliance and strategic positioning* Oversee the annual execution of approximately ten regulatory examinations for UBS Bank USA consistently maintaining open issues at fewer than five* Direct the corporate secretary team and oversee all Board of Directors’ engagements, including organizing board meetings, risk and audit committee sessions, managing board memberships, and coordinating board-related events* Engaged participant in key bank committees, including Management, Enterprise Risk, Loan, Pricing, New Business, and Asset & Liability, contributing to strategic decision making and risk management* Lead and advocate for a seamless integration of UBS and Credit Suisse operations affecting UBS Bank USA, ensuring strategic alignment and operational excellence* Tasked with the implementation of the Bank’s Environmental, Social, and Governance (ESG) framework,fostering sustainable practices and corporate responsibility

Oversee the primary risk management defenses for UBS Bank USA, ensuring robust protection against financial and operational risks* Collaborate across all business units and functional areas to navigate regulatory exams, audits, and self-assessments, driving the identification and resolution of issues to ensure compliance and operational excellence* Established and directed a quality control team responsible for executing comprehensive QA/QC processes across all bank operations* Established and managed a Financial Crimes Prevention team, spearheading all front-line BSA/AML initiatives to safeguard the bank against illicit activities* Headed the Vendor and Affiliate Management team, overseeing comprehensive third-party risk management for the bank* Oversaw a suite of risk assessment processes across various categories, including Risk Control Self-Assessment, Compliance Risk Assessment, and Internal Controls Assessments* Deliver both qualitative and qualitative risk appetite reports across all risk categories quarterly, facilitating informed decision making and strategic risk oversight* Serve as the chairperson for the Bank’s Compliance & Operational Risk Committee and New Business Committee, leading critical oversight and strategic initiatives* Engaged participant in key bank committees, including Enterprise Risk, Third Party Risk Management,Financial Crimes Prevention, Technology, and Community Reinvestment Act committees* Author and continuously update the bank’s operational risk governance framework to guide risk management practices and ensure regulatory compliance

Steer the comprehensive strategy, product development, pricing, and all related initiatives for the mortgage program, ensuring market competitiveness and innovation* Successfully expanded the mortgage portfolio from $100 million to over $20 billion, demonstrating significant growth and strategic portfolio management* Strategically directed the bank’s mortgage portfolio, optimizing performance, enhancing risk management, and driving substantial growth, while ensuring alignment with regulatory standards and market demands* Spearheaded the initiative to internalize mortgage operations, transitioning away from third party vendors, which markedly enhanced profit margins and operational efficiency

Orchestrate the bank’s operational strategies and execution, ensuring peak efficiency, financial performance, and regulatory compliance* Led transformative initiatives across technology, process improvement, and strategic planning, significantly contributing to the bank’s growth and competitive position in the market* Directed the HR function including recruitment, training, performance evaluation, and development programs to build a high-performing work-force* Managed budget preparation, monitoring expenses, and implementing cost control measures to ensure the bank operates within its financial meansLead the development of the bank’s annual strategic plan, outlining long term goals, and identifying opportunities for growth and expansion.* Oversaw the implementation of strategic projects and initiatives, ensuring they align with the bank’s goals* Directed the decision support team, enhancing bank-wide strategic decisions through advanced analytics and comprehensive reporting

* Directly assisted growth of ING DIRECT USA from $0 assets to > $50 Billion in assets * Led creation of annual strategic plans for all product lines* Managed team responsible for project management of ALL significant projects* Created and supported business intelligence across the firm* Managed marketing team supporting > 60 million direct to client communications annually* Implemented a database marketing solution that ran multiple predictive models in real time based on a current and historic client profile generating offers online and to call center representatives

* Managed international retail deposit business for all international locations* Led team supporting marketing communications across 24 countries & 5 different languages* Implemented & managed database marketing solution for all international product teams* Developed & lead implementation of mortgage strategy for National Trust (purchased by Scotia 1997)

* 1 of 7 original team members to start-up European headquarters in Brussels, Belgium* Multiple product management positions supporting Pet Foods, Cereal, & Gatorade * Managed accounting team including business intelligence reporting for all European locations