I partner with small to mid-size financial institutions to design and mature risk programs — integrating AI strategy, risk frameworks, and compliance oversight for stronger governance and competitive advantage. I deliver fractional leadership and advisory services in enterprise risk management, AI strategy, governance, and implementation; risk identification, risk assessment, gap analysis, risk appetite, regulatory compliance etc. I design maturity roadmaps, implement risk transformation strategies, and integrate three lines of defense frameworks tailored to organizational needs. I guide executives and leaders on aligning compliance frameworks with business goals and building sustainable risk cultures.

Transformed enterprise risk management function post-merger, modernizing compliance frameworks and aligning strategy with regulatory expectations. Directed ERM portfolio spanning Governance, ORM, TPRM, Business Resilience, Model Risk, Corporate Insurance, and Corporate Records. Developed 3-year maturity roadmaps across seven risk domains, remediating regulatory concerns and strengthening resilience. Recalibrated a $1M+ GRC initiative, redirecting resources to compliance priorities and optimizing ROI. Enhanced transparency by enhancing and presenting risk dashboards, KRIs, and appetite monitoring to the Executive Risk Committee and Board. Fostered proactive risk culture through cross-functional partnerships across all three lines of defense.

Designed and launched Schwab’s first enterprise-wide process mapping program, enabling leaders to identify control gaps, reduce redundancies, and improve efficiency. Rolled out adoption across 13 business units, equipping stakeholders with tools to mitigate risk and enhance operational resilience. Partnered with executive leaders to align process mapping with corporate strategy, client needs, and regulatory requirements. Strengthened risk culture by delivering training, governance standards, and continuous improvement initiatives. Designed and launched Schwab’s first enterprise-wide process mapping program, enabling leaders to identify control gaps, reduce redundancies, and improve efficiency. Rolled out adoption across 13 business units, equipping stakeholders with tools to mitigate risk and enhance operational resilience. Partnered with executive leaders to align process mapping with corporate strategy, client needs, and regulatory requirements. Strengthened risk culture by delivering training, governance standards, and continuous improvement initiatives. Skills: Agile Project Management · Critical Thinking · Project Management · Continuous Improvement · Strategic Planning · Program Development · Risk Operations · Program Management · Optimization · Business Process Improvement

Directed risk integration strategy during Schwab’s $26B acquisition of TD Ameritrade, coordinating across Corporate Risk, Audit, and Legal. Identified and mitigated transitional risks spanning systems, vendors, governance, and culture. Partnered with legal and compliance to ensure regulatory alignment while consolidating frameworks and policies. Provided regular reporting and integration updates to the Board and executive leadership, ensuring transparent oversight. Directed risk integration strategy during Schwab’s $26B acquisition of TD Ameritrade, coordinating across Corporate Risk, Audit, and Legal. Identified and mitigated transitional risks spanning systems, vendors, governance, and culture. Partnered with legal and compliance to ensure regulatory alignment while consolidating frameworks and policies. Provided regular reporting and integration updates to the Board and executive leadership, ensuring transparent oversight. Skills: Agile Project Management · Business Transformation · Operational Risk Management · Critical Thinking · Project Management · Risk Assessment · Enterprise Risk Management · Strategic Planning · Integration · Risk Operations · Regulatory Compliance · Risk Management · Acquisition Integration

Served as business lead in Schwab’s enterprise-wide GRC modernization, streamlining RCSA, reporting, and risk assessments. Partnered across three lines of defense to strengthen risk posture, increase transparency, and enhance compliance. Migrated risk/control functions into IBM OpenPages, eliminating redundancies and improving oversight. Led the RCSA, targeted risk assessment, risk reporting, and scenario analysis workstreams, serving as a key contributor and strategic thought partner for issues management and risk foundational elements workstreams, providing effective challenge where needed. Served as business lead in Schwab’s enterprise-wide GRC modernization, streamlining RCSA, reporting, and risk assessments. Partnered across three lines of defense to strengthen risk posture, increase transparency, and enhance compliance. Migrated risk/control functions into IBM OpenPages, eliminating redundancies and improving oversight. Led the RCSA, targeted risk assessment, risk reporting, and scenario analysis workstreams, serving as a key contributor and strategic thought partner for issues management and risk foundational elements workstreams, providing effective challenge where needed. Skills: Team Building · Agile Project Management · Critical Thinking · Project Management · Leadership · Risk Operations · Strategy · Program Management

Designed the operating model and led one of Schwab's first centralized risk management teams in the first line of defense for the Client Solutions organization supporting diverse business units and investment product segments. Centralized key risk requirements (vendor, technology, operational, and regulatory), advancing transparency and operational agility. Strengthened business unit partnerships, providing risk advisory and reporting to leadership. Advanced risk posture by maturing risk strategies, streamlining core risk practices, eliminating redundancies across our organization. Designed the operating model and led one of Schwab's first centralized risk management teams in the first line of defense for the Client Solutions organization supporting diverse business units and investment product segments. Centralized key risk requirements (vendor, technology, operational, and regulatory), advancing transparency and operational agility. Strengthened business unit partnerships, providing risk advisory and reporting to leadership. Advanced risk posture by maturing risk strategies, streamlining core risk practices, eliminating redundancies across our organization. Skills: Team Building · Operational Risk Management · Investment Products · Risk Assessment · Enterprise Risk Management · Leadership · Risk Operations · Audit

Chief AI Risk Officer

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