CARMENZA MINOTTA

*** **** **** ****** ***. #*C - New York, New York 10021

212-***-****

jgp08z@r.postjobfree.com

SUMMARY

Risk Manager with expertise in domestic and international operational risk and credit risk. Diverse experience as a manager, supervisor and consultant working with companies in the financial services, consumer packaging, pharmaceutical, cosmetic, mortgage securities, energy, and transportation industries. A bilingual, high energy project manager with exceptional analytical, communication and interpersonal skills. Proficient in multiple professional disciplines:

• KYC, AML, Basel II, KRI, RCSA, COSO, COBIT

• Compliance and Regulatory Risk, P&L reviews

• Asset and Fund Risk Management

• Sarbanes Oxley Analysis of Internal Controls

• Credit Derivatives/ Valuation Operations

• Consumer and Investment Banking Operations

• Broker Dealer Operations

• Process Reengineering, Loss Events Analysis

PROFESSIONAL EXPERIENCE

Societe Generale, New York, NY 2008- 2010

Senior Internal Audit Services, Fixed Income and Risk,

• Performed specialized reviews in the areas of risk management, foreign exchange, liquidity, funding, trading desk, compliance, accounting, and prime brokerage. Supported the documentation and analysis of operational risk events.

• Reviewed and analyzed the P&Ls for various desks on a daily, monthly and quarterly basis. Created vision, identified opportunities and drove changes to optimize and improve the P&L systems and processes.

• Conducted reviews and facilitated remediation process for the regulatory requirements of KYC, Call Report, and AML.

• Worked with regulators and management to analyze and implement rule changes pertaining to SEC, FEDs, and Basel II compliance. Participated in regulatory and internal investigations.

• Enhanced the banks Key Risk Indicator program, including policy, procedure and operating manual development.

• Designed and planed reviews, assessed internal controls, recommended improvements to management to mitigate risk, reported on findings, and monitored implementation of remediation plans.

• Conducted risk assessments for several business units, including prime brokerage, credit risk and market risk and evaluated those risks based on Basel II compliance requirements.

• Ensured that all businesses including their supporting departments were in full compliance with the bank's policies and procedures and government laws and regulations. Assessed the risk associated with new products/services.

• Performed business reviews and liaised with senior management in key business areas impacted by strategy changes.

KPMG LLP, New York, NY 2004 – 2008

Senior Operational Risk, Risk Advisory Services

Advised major financial service firms (Morgan Stanley, Jefferies Investment Bank, General Motors, ADP, Freddie Mac, Warner Music, and many others) on risk compliance, control transformation, project management, and operational issues in the areas of Credit Derivatives, Asset and Fund Management, Valuation, and Sarbanes Oxley compliance. Specific Areas of concentration include Investment Banking, Broker-Dealer Operations and Corporate Governance. Projects managed include:

• Conducted Sarbanes-Oxley Act (SOX with COSO and COBIT framework) compliance requirements for several clients which included updating key control inventory, process maps, identifying key controls, discovering deficiencies and recommending remediation plans. Led Sarbanes-Oxley compliance in Spanish for Major Latin American companies in the areas of financial reporting, systems, tax, revenue, and treasury.

• Executed operational risk analysis including information gathering, P&L reviews, risk analysis, risk assessment, final report, and follow-up of action plans. Analyzed operational risk internal and external loss events.

• Managed the risk assessment of the OTC Credit Derivatives department of a major Investment Bank. Provided recommendations in the areas of derivatives settlement/clearing, mortgage-back securities, transaction processing, account reconciliations, trade processing, collateral and margin, system authorization and system reconciliation.

• Analyzed the Asset Management, Stock Lending and Financial Products functions for a major investment bank including valuation policy, asset allocation and pricing decisions. Evaluated Valuation Group existing processes, controls, risks, policies and procedures relevant to pricing of derivatives and proposed recommendations for improvement.

• Evaluated systems, processes, and reports to increase efficiency, data quality and report presentation, including identification and resolution of data issues.

• Performed lost events, expenditure, gap and fraud analyses to assist clients assess management decision-making.

INDEPENDENT CONSULTING PRACTICE 2000 – 2004

Bear Stearns, New York, NY - Consultant, Internal Audit & Compliance (2004)

Assisted in the implementation, documentation and testing of the requirements and regulations of Sarbanes-Oxley. Identified, designed, and tested internal controls and made recommendations for risk control improvement.

HighQuest Partners, New York, NY - Consultant, Risk Strategy (2004)

Assisted clients to establish and manage various risk control initiatives across their Latin American operations. Worked with Latin American companies to create consistent processes and manage operational and country risk controls globally.

Delta Bank, New York, NY - Consultant, Investment System Conversion (2001 – 2003)

Assisted in the installation of the EagleStar and EaglePace Investment systems to ensure it was consistent with bank’s reporting system. Managed system integration, software project quality, testing, QA, configuration, and compliance.

Modellaunch.com, New York, NY - Consultant, Strategic Planning (2000)

Worked with management to plan and evaluate market trends evaluating the potential for company growth.

AMERICAN EXPRESS, New York, NY 1998 – 2000

Manager, Data/Risk Management

• Identified and analyzed risk and strategic issues for all levels of Management across functional/business units. Managed compliance with credit related risk data. Developed master project plans by working with business units and vendors.

• Selected and implemented a $20 million Oracle relational database (UNIX system) improving data quality, cycle time and costs. Managed projects' full life-cycle. Won Excellence award for these efforts.

• Participated in several company-wide re-engineering efforts that resulted in company savings in terms of human and cost resources. Achieved an Award for these efforts.

• Managed $30 million marketing budget. Defined project goals, selected outstanding user requests, determined justification for the project and prepared and managed budget and contracts.

• Identified process improvement opportunities and worked with Management to redesign and improve internal controls.

CITIBANK, New York, NY 1996 – 1998

Credit Risk Manager, Bankcards/Credit Risk

Established risk parameters and control measures for underwriting credit while ensuring compliance with corporate, bankcard and regulatory standards. Assessed portfolios' risk and ran analysis to shape portfolio strategy by product, channel and segment. Developed risk strategies for the USA and Latin American markets.

• Underwrote line of credit, credit requests and amendments for existing customer base including preparation of credit memorandums in conformity with policies. Wrote credit policy for existing and new products. Conducted stress testing and competitive studies. Reviewed policies and procedures ensuring that proper internal controls were in place.

• Worked with senior management in the Citi-Smith Barney merger to strategically plan and integrate risk criteria.

• Developed historical and projected financial modeling and analysis. Wrote SAS programs and analyzed results.

• Created a MIS management reporting system accelerating decisions on pricing, promotion and segmentation of products.

• Successfully implemented numerous processes reengineering projects and managed vendors' relations.

A. C. NIELSEN, New York, NY 1994 – 1996

Senior Business Analyst,

Provided market research, feasibility studies, competitive research and strategy planning solutions for marketing, pricing and promotion decisions for clients. Created gap, sales and competitive analysis for clients using regression analysis and SAS.

EDUCATION AND LANGUAGE SKILLS

M.B.A. Finance - Pace University, New York, NY

B.A. Political Science/Computer Science - Hunter College, New York, NY - J.C. Goodman Foundation Fellowship.

Fluent in Spanish; Knowledge of Italian

PROFESSIONAL DEVELOPMENT

ISDA Fundamentals of Equity Derivatives - International Swaps and Derivatives Association

Sarbanes-Oxley Training – KPMG

Oracle Database, UNIX, SAS, SQL, PL/SQL, XML, Data Warehousing/OLAP technologies - New Age Training School

Omega Credit Risk Lending Training – Citibank Fair Isaac Credit Scoring – Citibank

Professional Affiliations - Member of the Professional Risk International Management Association, the Association of Latin Professionals in Finance and Accounting, the International Association of Financial Engineers, the Global Association of Risk Professionals, and the International Association of Hedge Funds Professionals.

TECHNICAL EXPERTISE

EagleStar/EaglePace Investment System, Bloomberg, UNIX, Oracle Database, SAS, SPSS, C, Word, Excel, Crystal Reports, SharePoint, Outlook, Access, SQL, Project Management, Power Point, Lotus Notes, Groove, Visio, IDEA.

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