Peng Najera (Sharon)

*** ****** *****

Lexington, N.C. 27292

336-***-**** (Res.)

845-***-**** (Cell.)

ac0d0s@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

A senior banking professional with over twenty years of experience in risk management, (credit, operational, regulatory and market), asset backed lending {syndications and collateralized lines of credit, GWIM & FOREX with excellent knowledge of compliance (AML/BSA, Fraud & Information Security utilizing PEGA) and customer relationship management skillset.

An intelligent Audit team leader utilizing Audit methodologies (scope, audit program & audit test procedures) with reporting, effective communication to senior management, audit issues remediation and audit personnel management.

An effective project manager with excellent track record of managing project deliverables with decisive & effective collaboration from global team members (Bangalore, Dublin & London) for research content and systems integration. Ability to work effectively in cross-functional set-up (virtual), in challenging time zones and changing environments.

An brilliant Scrum master & team leader utilizing IT management methodologies (Agile, Waterfall & JIRA, SDLC, SQL) empowering high performance teams bringing conformity & uncanny ability escalating project risk & challenging difference for project resolutions.

Demonstrated & knowledgeable audit professional in BASEL requirements (CCAR, Regulation W, Solvency Ratio, 14Q/FRC9C), living will, stress testing, capital requirements for regulatory compliance.

EXPERIENCE

Due to my spouse’s retirement from the UN in 2015, participated in mandatory counseling & entitlements from UN Pension Fund tailored for retirees globally. From 2014 to 2015, provided credit counseling to NGOs (Mali, Haiti & China) attending conferences at the General Assembly. Indeed with relocation & re-launching my banking career back to Corporate Banking & Financial Services for Charlotte, 2nd City in Banking. 2014-2016

GOLDMAN SACHS, New York, NY- Project Manager, Global Risk & Control (“GS 2013 Returnship Program”, Operations risk management (RCSA & change management, Audit, GWIM, JIRA, PEGA, Agile & Waterfall) 2013 - 2013

“Goldman Sachs 2013 Returnship Program” – A highly competitive banking training program tailored for experienced financial professionals transiting back to corporate banking and financial services.

Led as Audit Team Leader, audited GWIM lending activities coordinating with regulatory agencies & external consultants collaborating with Senior Audit Committee.

Directed as Project Manager, participating in a global Operational risk project utilizing “CERT” (Capacity and efficiency reporting tool designed gathering requirements on non-technology initiatives in LOBs (GS bank, Global risk & control & regulatory reporting) for best practices & Change Management for Operational Risk Initiatives to Operational Risk Committee for final review. (Project I)

Performed conformity testing (SharePoint), verifying percentages (Q4’12 & Q1’13) presenting findings to senior management. (Project II)

Designed a global control user guide (FAQs), web page in “Opsipedia”, in operational risk topics collaborating with global business partners in Bangalore & London enabling effective self-navigation for accounting, regulatory & governance rules. (Sec 15c3-3). (Project III).

Participated in Operational Risk practices (RCSA, Stress Scenarios) plus change management & budgets (SAP 400) as SME (Project IV).

Engaged with embedded risk managers in (GS bank, GS Capital Markets, GS Audit, GS collateral operations, GS Technology) reviewing operation processes, (T+1, AML/BSA), Compliance (AML) & risk quotients (of 4,5 and 6), KPIs with in different LOBs.

Participated with Corporate Finance in Basel Qualification Group on Wholesale credit on BASEL III, CCAR & 14Q/FRY9C initiatives.

STANDARD CHARTERED, Newark, NJ – Project Manager, Credit risk control group (Credit, Syndications, credit risk management, Compliance-Fraud, Project Management Collateral Data System to Collateral Data Management System, Audit Team Leader) 2010 – 2010

Designated as Audit Team Leader for GWIM (Private Banking) assisting LOBs in audit business strategies for risk management & controls.

Acted as Project Manager in a global IT credit collateral management project extracting credit data from credit agreements, corporate resolution, global master mandate, commitment letter, conditions precedent & term sheets from agent bank) reconciling in Collateral Management System (CMS) into CDMS (Collateral Document Management System) facilitating electronic filing for global uniformity.

Reviewed metadata on collateral (equity (swaps, floor, caps), fixed income (T Bills, FOREX, Cash Management, sectors (IFI, Aeronautical, Automobile & Commercial Re) and Private Banking (GWIM) for ABL lending in APD, LATAM & EMEA emerging markets.

Analyzed Basel III (CCAR, Tier I, II, Liquidity & Solvency ratio) participating in stress testing, change management and Living will.

Liaised with EDM (Enterprise Data Management), utilized JIRA tracking project developments in Phase I & Phase II & SDLC of the CMS into CDMS project applying Agile and Waterfall methodologies, implementing recommending budget for project’s scope and impact.

GOLDMAN SACHS, Jersey City, NJ, Sr. Project Manager, Senior Bank Debt group (Credit, Syndications & Participations, credit risk management, & project management - Sec DB project – SDLC, Phase I II & III, Collateral Management and Audit ) 2007 –2008

Audited in (GWIM), adopting audit methodologies, initiatives assisting GWIM in global risk & control within audit.

Led as Scrum Master & Sr. Project Manager for IT systems conversion project extracting credit data from credit agreement (US & UK) from Agent bank for syndication & participation and populating into Sec DB systems for Phase I of the Sec DB project.

Analyzed loan structures (term & revolver), GS commitments in CLOs, fee structure (commitment & facility) loans in (Euro, Yen, & US Dollars) with Global MNCs (APD, EMEA, LATAM) within sectors (Energy, Aerospace, FI) in Phase I of the Sec DB project.

Reviewed positive and negative covenants especially collateral management namely cash (CD), equity (pledged stock), fixed income (bonds), securities (ABS, CDS), Treasury (Aging-value) limiting bank’s credit exposure in Phase II of the Sec DB project.

Provided recommendations & IT enhancements on the SDLC (Phase I & Phase II) of the Sec DB project, including SQL, JIRA, Agile and Waterfall methodology proving final review & escalation to senior management.

Liaised with Basel Qualification Group in Corporate Finance collaborating together with BASEL III requirements (CCAR, Credit Strategy, Solvency Ratio and Leverage Ratio for Tier I & Tier II, 14Q/FRY9C) for compliance requirements.

DEUTSCHE BANK AG, Jersey City, N.J. Project Manager, Global Loans-ABL Group (Credit, Syndications & Participations, Audit (Private Bank-GWIM) & project management-Loan IQ, SQL, QA, JIR, UAT, PEGA, Agile & Waterfall) 2005 – 2006

Delegated as Scum Master & PM, recorded final loan documentation of (Credit Agreement, commitment letter, term sheet, conditions precedent from agent bank) from [(FI, Energy, aeronautical, automotive] in ABL, Investment Grade Loans from APD, EMEA & LATAM.

Reviewed credit documentation (Master Agreement, Conduits, Trust Agreements) ensuring that all collateral management and secured pledged assets (equities-stocks, fixed income-MBS, CDS) in positive and negative covenants with Principal’s (Obligor) backing.

Led an audit project liaising with external auditors (KPMG), providing guidance on 3 separate audits testing selected loan samples from different lines of business (LOBs) in par and distressed loans, in commercial re & private bank (wealth management) in Loan IQ. The final audit analysis (SDLC) resulted in no issues and successfully completed the audit with distinction.

Obtained missing credit constitutionals from DB Global Relationship Managers & global customers in Paris, Belgium & Mexico communicating in French, Spanish, & Mandarin for documentation and loan payment issues.

Participated in SDLC, QA, UAT & live testing in Loan IQ for IT implementation teams prior to the global launch in APD & LATAM.

Analyzed Basel III requirements (CCAR, Tier I, II, Liquidity Ratio) & 14Q/FRY9C, for stress testing and credit risk reporting.

NORTH FORK BANK now CAPITAL ONE, New York, N.Y. - Sales specialist, Corporate Bank (Corporate Finance/Credit/Sales) 2003 – 2003

Introduced unsecured credit facilities [Lines of credit (term, revolver and standby L/C-trade finance)] in lower to middle market in sectors (Food & beverage, health care, manufacturing, retail and consumer goods) within assigned geographical region in New York. .

Performed “KYC” site visits for due diligence for customers in “AML” watch list with increased deposits and fraud banking transactions.

JPMORGAN CHASE, New York, N.Y., Relationship Manager/AVP (Corporate Finance/Sales – Credit & Compliance) 2001 – 2002

Sold unsecured credit products (Lines of credit and trade finance) to companies within assigned geographical zone in Lower Manhattan.

Adhered strictly to FINRA compliance rules “KYC” due diligence and various securities regulations “The Patriot Act”, “Bank Secrecy Act”, “Securities Reinvestment Act” to detect anti-money laundering (AML), fraud, suspicious activity on targeted accounts.

CITIBANK, New York, N.Y., Citi Business Acquisition Manager CBNA (Corporate Finance/Sales - Credit & Compliance) 2000 – 2001

Marketed credit products (Lines of credit, trade finance, equipment financing), to sectors (IT, F&B, and media) for sales acquisition.

Participated in Citibank classes in credit documentation, credit logic, & sales techniques enhancing sales production & product knowledge.

Embarked on on-site visits evaluating “KYC” due diligence and “AML” and “BSA” to ensure legitimacy of client’s business.

INTERNATIONAL EXPERIENCE

TOKYU CORPORATION, - Singapore Representative Office, Office Manager (Corporate Affairs, Corporate Management, External Liaison, Hotel Construction (Reclaimed Land by Business District in Singapore), Real Estate-Hotel & Lodging) 1981 – 1982

Set up the Singapore Representative Office for a major Japanese conglomerate, Tokyu Corporation assisting Senior Japanese executives in dealings with American developer (Georgia based), for construction of a hotel (Pan Pacific) in reclaimed land in Singapore.

Liaised externally for treasury assisting the CFO with lenders for mortgage repayment dues, loan issues on the revolver line of credit.

Reviewed construction costs, billing, and wages due to sub-contractors, accounting discrepancies for resolution from principal lead contractor.

THE BANK OF CANTON, LTD AFFILIATED WITH SECURITY PACIFIC NATIONAL BANK NOW BANK OF AMERICA,

Singapore, Regional Credit Specialist (Sales, Corporate Finance/Credit & Lending, FOREX) 1977 - 1979

Assisted relationship managers in credit loan review (Lines of credit, trade finance, equipment financing), in sectors (IT, Retail, F&B) in middle market lending to the regional credit committee in Singapore, Hong Kong and Los Angeles for credit approval.

Screened all new loan prospects to the credit & sales team in regional credit for their credit evaluation and sales follow up.

Trained in Asian Currency Unit (ACU) IT global settlements team, in their daily forex transactions for end of day settlements.

TECHNICAL SKILLS: SharePoint, CERT, Loan IQ, Sec DB, SQL, QA, UAT, JIRA, CDS, CDMS, Clear Par Systems, Excel, Access, Power

Point, Visio, Word & PEGA

CREDIT DOCUMENTATION: Credit Agreements, Security Agreements, Guarantee Agreements, Master Trust Agreement (ISDA) & Conduits

LEGAL, COMPLIANCE & OPERATIONAL RISK: SOX, BSA, AML, Fraud, Rule 144 of Investment Act of 1933, UCC 8, UCC9, and Dodd

Frank Act, Basel III, SEC rule 15c3-1 15c3-5, RCSA, Scenario Analysis, Global Risk & Control, Operational & Embedded Risk Management

FOREIGN LANGUAGES: Mandarin, Dialects: Cantonese (mother tongue), dialects: Hokkien, Teochew, English, French & Spanish

PROFESSIONAL MEMBERSHIP: GARP, Forte Foundation, Latin American Chamber of Commerce – Charlotte, ALPFA (Assn. of Latino Professionals of America), NAAAP Charlotte (National Association of Asian American Professionals – Charlotte)

MEMBERSHIP: The Lexington Choral Society, The Singapore & Malaysian Association of NC, and Chinese American Association of Charlotte,

PROFESSIONAL ACTIVITIES AND TRAINING: 1) Goldman Sachs Operations Professional Network “Know your Client” – Hedge Funds

2) Citibank (University: “Citi Business Credit I and CBNA Products 3) Legal Conference: Pepper & Hamilton, FCPA, FATCA, BASEL III (CCAR, 14Q/FRY9C initiatives, Solvency Ratio, Leverage Ratio, Tier I & Tier II, Capital Requirements & Living will of a Financial Institution)

CREDIT EDUCATION: 1) CFA, Part I studies at New York Society of Security Analyst, 2) Financial Statement Analysis – AIB

EDUCATION: Bachelor’s of Business Administration, Finance & Investments, Baruch College, City University of New York

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