Senior advisory and managed services practice leader providing guidance and managed services support to banks, credit unions, broker - dealers, insurance companies, and fintechs regarding complex enhancement and remediation initiatives and program execution, across the three lines of defense, involving enterprise, operational, and compliance risk management, anti money laundering and sanctions, GRC technology platforms, process re - engineering and digital transformation, process, risk, and control inventories, risk and control self assessments (RCSA), investigations, issue management, third - party risk management, risk monitoring and metrics, and board reporting. Responsibilities include managing the fintech and managed services practice areas and overseeing assessment reviews of AML and sanctions compliance, fraud risk management, and other risk areas for U.S. and foreign financial institutions and fintechs.

Senior engagement lead advising U.S. and foreign financial institutions regarding gap assessments, remediation planning, remediation progress assessments and validations, and program, policy, and process development, augmentation, and sustainability in connection with risk management and anti - money laundering and sanctions enforcement actions. Projects included acting as regulator - appointed compliance consultant for the U.S. operations of a foreign financial institution pursuant to a consent order issued to the institution's New York Branch and Head Office.

Executive officer responsible for managing compliance risk and serving as regulatory advisor for financial and non - financial enterprise risk for Rabobank's North America Wholesale (NAW) businesses, including Rabobank New York Branch and U.S. and Mexico Representative Offices, Rabo Securities USA, Inc., and Rabobank Canada. Member of the Executive Committee (governing body for Rabobank NAW), Enterprise Risk Management Committee, AML Compliance Management Committee, CUSO (Combined U.S. Operations) Compliance Committee, Project Portfolio Management Committee, and Rabo Securities USA, Inc. board of directors, Chair of various IT project boards, and principal regulatory and compliance interface with Rabobank Head Office executive leadership and board of directors and U.S. and European regulatory agencies. • Developed and implemented Rabobank NAW's governance framework for CUSO risk management, consolidated regulatory supervision, enhanced prudential standards, and board effectiveness, including responsibilities of the three lines of defense, senior management, and board of directors, risk appetite, risk monitoring and reporting, capital and liquidity planning, recovery planning, and holding company governance. • Restructured and managed the Rabobank NAW Compliance Department around four key functions designed to enhance compliance governance and facilitate implementation of strategic initiatives: ◦ Core Compliance – products and services (deposits, lending, payments, and treasury), conduct (anti - bribery and corruption, ethics, fraud, fairness, and privacy), and execution (policies and procedures, training, monitoring and testing, risk and control self assessment, regulatory change management, and regulatory relations). ◦ Markets Compliance – broker - dealer, Volcker, swaps and derivatives, and control room. ◦ Anti - Money Laundering and Sanctions Compliance – KYC, monitoring, screening, risk assessment, and systems. ◦ Program Management – MIS reporting, data analytics, model validation, and project management.

Compliance executive supporting the U.S. and international consumer and commercial banking businesses of Citibank, N.A. and its affiliates. • Created and maintained customized compliance risk management programs for Citibank's banking businesses, coordinated annual program reviews and risk and control self assessments, and managed the development, implementation, and annual review of domestic and global compliance policies and procedures. • Advised on OCC, FRB, CFPB, and FDIC regulatory governance issues, and served as project lead for various working groups responsible for the development and implementation of risk mitigation initiatives such as Citi's Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Program.

Practice leader and senior advisor servicing the financial services sector, with a focus on financial crisis - related legislation and regulatory supervision. • Designed and restructured the risk management function for U.S. and foreign bank holding companies, banks, and affiliated entities. • Advised financial institutions on regulatory requirements, oversaw execution of gap analyses and regulatory readiness assessments, developed risk assessments, automated compliance monitoring, and established compliance testing protocols.

Founding member of the Eurohypo management team that launched Eurohypo's U.S. businesses, member of the Eurohypo U.S. Executive Committee, and board member, officer, and trustee of various special purpose entities. • Served as legal and compliance lead on the project team that established Eurohypo's U.S. banking platform, including securing regulatory approvals and creation of a bank risk management program and governance framework, and as project lead on the team that established Eurohypo's U.S. securities broker - dealer, including preparation of the application for NASD approval and creation of a broker - dealer risk management program and governance framework. • Established and managed Eurohypo's U.S. Legal and Compliance Departments, and oversaw the U.S. compliance, operational, and enterprise risk management programs, including identifying and addressing legal and regulatory issues impacting Eurohypo's products, services, and processes, developing and maintaining policies and procedures, implementing and maintaining controls, managing compliance monitoring, testing, and training, coordinating regional regulatory activities with Eurohypo AG Head Office, and interfacing with U.S. and foreign regulators. • Implemented various business initiatives, including the establishment of two U.S. funding vehicles, a borrowing account with the Federal Reserve under its Discount Window Program, and a Yankee CD Program, and the integration of Eurohypo's U.S. securities broker - dealer into its parent company's broker - dealer.

New York State Bar