Timothy Carmon, Cpa Email and Phone Number
Seasoned audit and risk leader with experience at public and Fortune 100 companies within the insurance, financial services, and data solutions sectors. Proven thought leadership with strong interpersonal and communication skills. Track record of relationship building with both front-line management, executive management, regulators, and boards of directors. Consistently achieve high-quality results in fast-paced, high-pressure, complex environments. Known for strong customer relationships, continuous improvement, ability to achieve results and effectively build, lead, and develop teams. Skills:• Risk and Audit Strategy – Builds and enhances risk and audit programs to align with strategic goals, integrating risk into decision-making. Proven track record in developing risk and control programs, including model governance, liquidity stress testing, and risk appetite/KRI frameworks. Proven success in advancing programs to meet industry-leading risk and accounting standards, including SOX, third party risk management, and business continuity.• Regulatory Compliance – Collaborates cross-functionally and with regulators to build compliant programs and influence regulatory processes. Led multiple state exams and regulatory submissions for risk and financial disclosures• Board Management – 15+ years of experience presenting to, advising, and participating in board meetings at public and Fortune 100 companies. • Global Leadership Effectiveness – Skilled in leading and building global, multidisciplinary teams. Empower staff with accountability while providing oversight, coaching, and support for development and success. Proven ability to leverage global locations to expand team responsibilities cost-effectively.• Financial and Risk Analytics – Extensive experience developing and managing financial and risk analytics programs that inform strategic decisions and highlight accounting and financial risks for executive management. Built a risk assessment and KRI program to provide insights into business risks and guide risk-based audit plans.• Industry Thought Leadership – Recognized thought leader in risk and audit, covering model governance, liquidity stress testing, ORSA reporting, internal controls, and third-party risk management. Praised by regulators as a "pioneer in the life insurance industry" for liquidity stress testing.
Carmon Funeral Home
View- Website:
- carmonfuneralhome.com
- Employees:
- 27
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Cfo And TreasurerCarmon Funeral HomeSouth Windsor, Ct, Us
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Managing Director - Risk ManagementMoody'S Corporation Sep 2021 - Aug 2024New York, New York, United StatesHeaded corporate risk management, overseeing risks within the corporate functions and responsible for organization wide view of risks for senior leaders and the Board. Regularly updated executive leadership team and Board of Directors on top risks to organization, also updating front-line risk owners to address specific risks proactively. Led corporate insurance program and enterprise controls team responsible for companywide SOX compliance and testing of cyber and information security controls using the NIST framework.• Worked with risk leaders across the organization to develop an MCO risk framework and taxonomy to drive a common language of risk at the MCO level. Worked cross-functionally with business units to ensure individual approaches could be consolidated into an aggregate view.• Developed key risk indicator program to provide risk and performance monitoring of key risk metrics allowing for early insight into risk themes and trends. • Worked cross-functionally to implement a governance, risk, and compliance (GRC) tool to house risk assessments, findings, and issues, developing a central function to support business needs for GRC tools and reporting used to inform internal audit annual audit plan.• Evolved business continuity program to focus more on business resiliency, implementing Fusion Risk Management tool to facilitate the resiliency and crisis management programs proactively. • Designed and oversaw implementation of a third-party risk program to monitor critical third parties using internal and external data, leveraging data analytics and proactive engagement to address risks and ensure operational resiliency.• Managed a team of 50+ people in 5 different countries and 7 different states within the US. Demonstrated staff acquisition in new countries by successfully building out a team in Costa Rica to support 3 different functions within the risk management space. -
Vp – Enterprise Risk Management – Head Of Enterprise Risk And Control AssessmentsMassmutual Nov 2013 - Aug 2021Springfield, Massachusetts Metropolitan AreaPromoted to serve as core member of the enterprise risk management leadership team, reporting to the Chief Risk Officer. Led efforts related to internal control assessments risk appetite (financial and non-financial), top risk and emerging risk programs, concentration risk, liquidity risk, regulatory reporting on risk related matters (including ORSA), risk management communications, and education on overall enterprise risk framework. Managed teams of up to 22 people to work cross-functionally with senior leaders to understand, quantify, and report on near-term and long-term enterprise risks, evaluating and monitoring results to ensure ownership of risks and adequate risk mitigation. - Responsible for the Operational Risk Program across the Enterprise working cross functionally to identify and assess operational risks.- Oversee Third Party Risk Team to ensure holistic framework to tier, assess and manage third party risk. Framework includes internal and external perspectives on suppliers to help drive conversations around the risk to the company’s environment and ensure adequate mitigations- Manage non-financial risk appetite analysis, top operation risk management process and overall coordination with risk stewards to ensure risks are assessed and appropriate mitigations are drafted. - Drive the methodology and approach to operational risk component of the Economic Capital calculation- Manage the operational risk elements of the enterprise taxonomy, driving definitions and creation/trending of key risk indicators- Tactical drove and strategically led the company’s Model Audit Rule (MAR) program, Insurance company equivalent to Sarbanes Oxley (SOX), and oversight of 5 SOC 1 reports and 2 SOC 2 reports over Information technology and information security controls. - Designed and oversee Model Governance and Validation efforts including implementation of model risk management policy, and approach to independent model validations. -
Avp – Enterprise Risk Management – Head Of Financial Reporting Risk And Liquidity RiskMassmutual Sep 2009 - Nov 2013Springfield, Massachusetts Metropolitan Area- Oversee team to track compliance, perform quality reviews, provide guidance and work with external stakeholders including state regulators and external auditors on SOX and MAR compliance. Implemented and oversaw SOX program since inception covering both accounting controls, and information technology controls working closely with external public accounting firm to maximize reliance.- Meet quarterly with the CEO and CFO to provide updates on the control environment at the company as well as top risks to financial reporting. Provide updates to the Audit Committee of the Board on internal control work- Implemented fraud risk indicator program to identify and investigate areas of high financial fraud risk using data and analytics.- Worked closely with external auditors to gain maximum reliance and efficiencies- Coordinate state exams relating to risk management and internal controls
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Director And Risk Manager Of Financial Reporting Risk And ControlsMassmutual Aug 2006 - Sep 2009Springfield, Massachusetts Metropolitan Area- Planned, designed, and implemented companywide approach to evaluating and monitoring internal control over financial reporting. Process reduced SOX compliance work by 50% in year 2 of compliance- Implemented reliance approach with external auditors reducing audit fees by over 1000 hours and internal time spent on audit activities by over 3000 hours- Designed and implemented approach to meet 2010 NAIC internal control requirements- Designed and implemented a risk assessment tool used across the organization on an annual basis. Over 200 processes are risk assessed annually using the tool. This tool is the foundation used to identify key controls at the process level- Developed and delivered training to 300+ employees on a risk and control manual outlining the requirements and guidance for internal SOX compliance. Additionally, developed and delivered training to 100+ employees on specific topic of interest including spreadsheet controls, control testing, segregation of duties and deficiency identification and remediation- Adept at using current tools and resources to implement solutions and analyze data to drive decisions
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Financial Analyst – Sox PmoMassmutual Mar 2006 - Aug 2006Springfield, Massachusetts Metropolitan AreaMember of the initial SOX implementation PMO. Worked with internal stakeholders and external consultants to stand up program to adhere to SOX compliance.
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Senior Associate – Assurance & Business Advisory Services (Financial Services)Deloitte Sep 2003 - Mar 2006Hartford County, Connecticut, United States- Part of a team that planned, designed, and implemented an audit for a fortune 100 Insurance Company- Coordinated, designed, and led the audit of internal controls associated with Sarbanes – Oxley for a multi-billion-dollar segment within a fortune 100 Insurance Company- Supervised and coordinated the review of 3 separate quarterly financial reports over 3 quarters of 2005 presenting comments to management and suggesting areas of improvement. Worked on reviews and audits of multiple 10-Q’s, 10-K’s and statutory financial reports
Timothy Carmon, Cpa Education Details
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Religion -
Business Administration, Accounting
Frequently Asked Questions about Timothy Carmon, Cpa
What company does Timothy Carmon, Cpa work for?
Timothy Carmon, Cpa works for Carmon Funeral Home
What is Timothy Carmon, Cpa's role at the current company?
Timothy Carmon, Cpa's current role is CFO and Treasurer.
What schools did Timothy Carmon, Cpa attend?
Timothy Carmon, Cpa attended University Of Richmond, University Of Richmond.
Who are Timothy Carmon, Cpa's colleagues?
Timothy Carmon, Cpa's colleagues are Heather White, Teri Moreno, Carmen Montero, Pamela O’keefe, Jburrow Burrow, Eliezer Alvares, Christina Carmon.
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