Innovative and adaptive leader with over 26 years of diverse professional experience in Compliance, Internal Audit, Project Management, and Risk Management administration experience in a fast paced regulated banking industry. Adept at managing heavy workflow and balancing multiple priorities. Excellent written and verbal communication skills, with reputation of producing the highest quality of work. Self-motivated professional with proficient analytical research and organizational skills.
Summary of Qualifications
Knowledgeable in strategic operational functions of an organization including Treasury Management and Product Delivery Businesses; Commercial and Institutional Banking Operations; Equipment Finance; and Commercial Lending.
Effective in communicating and presenting complex internal control issues and findings along with recommended solutions to operational management and Executive Management.
Proven management and leadership experience resulting in goal-oriented high performing teams.
Developing and implementing an effective Internal Control Risk Management Program for Treasury Management and Treasury Management Product Delivery segments and operations to ensure adherence with the organizations risk management framework.
Administration, Coordination, and Management of efforts related to the completion of Internal Control Risk Control Self-Assessments (RCSA’s). Actively collaborated with operational risk management, 2nd line of defense, responding to challenge documents.
Performing collaborative approaches with risk partners including but not limited to Compliance, Information Security, Business Information Management, Operational Risk, Enterprise Risk, Technology Risk and Legal.
Assemble and manage competent project management teams to address operational, financial, compliance and reputational risk issues in an efficient and cost productive manner.
Successfully review and interpret regulatory guidelines and assist or create revisions to procedures resulting in an improved control environment and cost savings to the company.
Proficient in performing comprehensive and complex due diligence activities related to merger and acquisition and potential joint ventures with third party vendors including offshoring.
Highly effective in identifying material internal control risks and internal control gaps, recommending remediation solutions, and communicating issues to senior level management.
Vice President/Treasury Management COO – Risk Management 10/2017 to 3/2019
Primary responsibilities include:
Assisting Treasury Management and Product Delivery in analyzing organizational internal controls, identifying internal control gaps and the development of written self-identified issues and remediation activities that efficiently address the issue. Working with representatives from Legal and Compliance to address issues from every angle. Documenting issues accurately in Archer and monitoring progress on a regular frequency. Working with the second line of defense to respond to challenge questions around self-identified issues.
Representing Treasury Management in weekly “Matters under Consideration” and Issue Tracking meetings and providing operational updates related to issue status.
Updating PNC’s annual Living Will document to accurately represent the state of Treasury Management at year end.
Analyzing and revising Treasury Management’s Key Risk Indicators and Key Performance Indicators to ensure they are capturing the necessary detail to identify risks and market trends.
Responsible for preparing Power Point presentation for the Quarterly Risk Working group and significantly contributing to internal control risk updates discussed in the meeting.
Reviewing and updating the inherent internal control risk and quality of risk management associated with Treasury Management’s eight risk domains in preparation for the Quarterly Prime Process Refresh meeting.
Collaborating with representatives from Corporate & Institutional Banking Fraud team to discuss status of fraud investigations with clients falling victim to business E-mail compromise (BEC) fraud. This requires staying abreast of the latest trends in BEC fraud and working with Legal counsel prior to speaking with the client.
Vice President/Manager of Risk, Compliance & Quality Control Team
PNC Bank 1st Line of Defense Risk – Corporate & Institutional Banking
Vice President /Corporate & Institutional Bank Risk Office 2012 to 10/2017
This position reports to the Executive VP, Corporate & Institutional Bank Risk Office. Overall responsibilities include effectively assessing and managing risks associated with day to day business activities within the Treasury Management Business Segment and Product Delivery. Additional duties include the following:
Effectively managed, coached, and mentored a professional staff of six employees.
Developed and implemented an effective Risk Management Program for the Treasury Management Product Delivery segments ensuring adherence to PNC’s internal control risk framework.
Coordinated and lead efforts related to the completion of Internal Control Risk Control Self-Assessments.
Worked with business units to monitor and track the status of all open audit findings, recommendations, and corrective actions until closure.
Assisted management with effective initiation and management of new initiatives requiring Internal Control Risk Control Impact Analysis’ (RCIA’s) and readiness review presentations used by project leads at committee approval meetings.
Coordinated identification of self-identified issues; documenting self-identified issues root causes and descriptions; and monitoring remediation plans.
Performing collaborative approaches with internal control risk partners including but not limited to Treasury Management Front Office; Compliance; Information Security; Business Information Management; Operational Risk; Enterprise Risk; Technology Risk.
Developed and provided oversight of staff developing written policies and procedures while ensuring adherence to PNC policy requirements.
Vice President Treasury Management (TM) Operating Risk Management Group 9/2008 to 2012
This position reports to the Senior VP, Operational Risk Management (ORM) – Treasury Management. Overall responsibilities include effectively assessing and managing risks associated with day to day business activities related to Treasury Management Front and Back Office.
National City Bank
Senior Vice President/Corporate Bank Risk Liaison 8/2007 to 2008
Established an internal control risk function within the Corporate Bank where overall responsibilities included effectively assessing and managing all internal control risks associated with day-to-day business activities within the Corporate Bank. Primary responsibilities included:
Hiring a team of highly competent internal control risk managers.
Leading an enterprise-wide internal control risk assessment where top residual risks were identified and mitigated.
Developed and monitored business internal control risk metrics related to top corporate control risks to identify and react to fluctuations in the market.
Interacted with executive level management to identify emerging threats and risks along with the development of mitigation strategies to best position the company.
Collaborated with the lines of business as they went through internal and external audits to ensure appropriate remediation of audit issues identified and sustainability.
Collaborated with support areas such as Internal Audit, Corporate Compliance, Accounting and Control, Information Security and Corporate Continuity to ensure all corporate initiatives were being completed successfully in the Corporate Bank.
Reviewed new business initiatives to verify all risks have been identified prior to taking products and services to the market.
Coordinated substantial Loss Event research with Business Units to ensure accurate reporting of financial impact occurred.
Performed vendor management analysis to determine internal control and operational gaps in the vendor management process.
Developed Corporate Bank written policies and procedures to ensure adherence to regulatory requirements.
Worked on internal control risk related integration teams with PNC Bank.
Senior Vice President / Risk & Information Security Control (RISC) Officer, 2005 to 8/2007 Key National Bank
Reporting to the Chief Administrative Officer of Key National Bank (i.e. wholesale bank). Managing a team of ten employees through three direct reports. Direct a supporting risk management infrastructure, which ensures appropriate risk coverage, control sustainability and remediation oversight, in addition to policy guidance and education.
Accountable for increased risk and control awareness throughout the lines of business, improved compliance communication and training, and driving line of business and individual accountability through the continuous review of control performance.
Establishment of Organization
Created a Risk Management office to provide support for Key National Bank’s (KNB’s) lines of business.
Assembled a team of highly competent and technical managers who provided expertise that included managing compliance, financial, operational, and technology risks.
Led a coordinated effort that ensured compliance with the Gramm-Leach-Bliley Act, also known as the Financial Modernization Act of 1999, Bank Secrecy and USA Patriot Act, including Anti-Money Laundering (AML) and OFAC requirements, in response to a Consent Order with the Officer of the Comptroller of the Currency and a Memorandum of Understanding with the Federal Reserve Bank of Cleveland.
Responsible for initiatives including an enterprise-wide risk assessment, that resulted in the revision of 12 corporate policies and all related line of business procedures. This effort involved the modification of corporate and line of business training, creation of a risk based customer due diligence process, and the support of a redesigned AML monitoring infrastructure.
Coordinated and implemented an access control remediation effort in response to a significant application access control deficiency identified by Key’s external auditor at the end of 2004.
Remediated eight high-risk non-404 system applications, including foreign systems (UK), within the timeframe allotted.
Ensured eighty-nine critical disaster recovery plans were completed, simulated, and sustained as part of Key’s Corporate Continuity and Recovery plan. Several plans were executed successfully during a major snowstorm.
Oversaw Key National Bank’s third party domestic and foreign vendor relationships.
Member of the ABN Amro/KeyBank Management Team since 1999 when Key outsourced international processing to ABN Amro.
Performed a full scope due diligence of a third party processor located in Chennai, India resulting in the successful offshoring of transactional processing and a significant cost reduction.
Reviewed and approved all new product offerings guaranteeing every angle of risk has been analyzed prior to introducing to the market.
Confirmed Sarbanes Oxley (SOX) requirements were fulfilled by monitoring and tracking the accuracy and timeliness of self-testing performed by the lines of business on a quarterly basis.
Approve all SOX testing change requests, initiated by the lines of business, impacting conformity to Key’s SOX methodology and regulatory requirements.
Vice President/Senior Vice President and Manager, Commercial Internal Audit Group 2001 to 2005
Managed the Internal Audit function for Commercial Loan Services, Loan Accounting and
Control, Commercial Banking, Institutional Banking, Business Banking, Global Treasury Management, Commercial Real Estate, Key Equipment Finance (Leasing), Wire Transfer, ACH and Key Total Treasury Operations, Asset Recovery Group, Community Development Banking, and Public Sector Group. Responsibilities include:
Used a risk based approach to plan an internal audit schedule, affecting adequate coverage of the audit universe and meeting the expectations of regulatory agencies and external auditors.
Independently led a staff of twelve full time employees that performed complex, cross-team and/or corporate wide audit reviews of operational, compliance, and financial risks. Interacted with senior level internal clients to communicate and sell difficult issues/solutions resulting from audit findings.
Presented needs improvement audit reviews to the Audit Committee and KeyBank N.A. Board of Directors to ensure their awareness of issues in need of remediation.
Evaluated vendor software options for documenting Sarbanes Oxley test results. Assisted in creating corporate SOX methodology and provided both policy and procedure guidance. Rolled-out testing requirements nationwide to affected lines of business within a twelve week period which included training, guidance on methodology, and assistance with testing and uploading test results.
Participated on numerous Executive Advisory Boards.
Active in new loan system implementation including a complex loan syndication application, Loan IQ, making KeyBank a leader in the syndication market.
Impacted significant retention of KeyBank team members by empowerment, insightful coaching, and establishing a collaborative team environment.
Participated in numerous, highly confidential merger and acquisition due diligence activities.
Presented conclusions to executive management whereby several opportunities resulted in an acquisition which increased Key’s bottom line.
Assistant Vice President, Audit Supervisor, Commercial Internal Audit Group 1998 to 2001
Senior Auditor, Commercial Internal Audit Group 1995 to 1998
Society National Bank/KeyCorp
Staff Auditor, Commercial Internal Audit Group 1993 to 1995
BAA in Accounting, Cleveland State University – 1993
Certified Bank Auditor
Certified Risk Professional
Certified Financial Services Auditor
PROFESSSIONAL ORGANIZATIONS and AWARDS
PNC Spotlight Recognition’s
PNC’s Recognition for Perfect Management Gallup Score – three time recipient
PNC Grow up Great Volunteer
KeyBank Continuous Improvement National Recognition Finalist
Former United Way Captain – KeyBank
Participant in Key’s Neighbor’s Make the Difference Day
Former member of KEWN – Key Executive Women’s Network
Member of BAI (Bank Administration Institute), IFSA (International Financial Services
Association), FMA (Financial Management Association)
Guest Speaker at BAI Conference (Effectively Partnering with Internal Audit)
Member of the Cleveland State Business Advisory Board for 1 year