Data Management
Resume:
Pamela Colbert
************@*****.***
252-***-**** Mobile
Data Governance, Economic Capital Reporting, CCAR, Credit Risk (FFIEC) / Portfolio Management
Scorecard and Dashboard Reporting
Former McKinsey and Company Research Associate
Holder of 2 Patents with Wells Fargo Bank NA; US 200******** and US 7900038 for a method and apparatus
for a broker entity managing end to end transactions. Credit trained at Wells Fargo and Deutsche Bank
(Bankers Trust). Strong experience in Metadata and Master Data Management.
Expertise in building cradle to grave solutions using various BI products/platforms.
Professional Experience
SAS Institute (October 2013- present)
Instructor Certification Track
Visual Analytics 6.4; Analysis & Reporting/SAS Visual Data Builder
Visa Inc.
Solution Architect (Consultant), Global Business and Platform Solutions. (April 2013 – October 2013)
Providing architecture and technology management consulting within a distributed team of application architects,
and data integration architects. Efforts centered on refining data, architecture and technology strategies,
updating and standardizing blueprints and reference architecture to help drive solutions toward consolidated
efforts to meet enterprise technology goals. Recommended solutions for requirements management and
release management; developed program to improve data platform alignment to development and QA efforts.
Expertise in Tableau, Cognos Reporting Applications.
Bank of America/Merrill Lynch, San Francisco CA (4 Month Contract) (10/2012 – March 2013)
Senior Analyst/Consultant, Economic Capital Reporting /Counterparty Credit Risk/Market Risk – Basel II
Compliance.
Managed team of developers for production level defects to Counterparty Credit Risk Calculators (SABER) and
analyzed alignment to Basel II Regulations. Responsible for defining and documenting business requirements
and working with development teams to design and implement solutions that advance the strategic goals of
business partners. CEM and IMM Basel II, 2.5 and III used. SQL, SAS
PNC Financial Services Group, Pittsburgh, PA and San Francisco, CA ( 1/2011 – 8/2012)
Senior Consultant, Basel II PMO Office, Enterprise Data Integrity Projects
Developed data governance framework for Basel II Capital Reporting (FFIEC). Extended to the enterprise and
all appropriate asset classes. Provided structure and calculus for aggregated DHE asset class reporting through
OBIEE. Framework also supports Data Integrity testing for Basel II Compliance/Advanced Systems
Management. Data Integrity policy written for aligned Basel II asset classes. SAS
Provided requirements for automated version of Data Integrity Reporting for Credit Risk (through
Oracle’s OBIEE and Cognos Suite) for reportable policy exceptions, risk rating accuracy, sampling
methodology management and link to credit risk scorecards.
Provided framework for Basel II reconciliation requirements (customer and GL data from source to EIP –
Enterprise Information Platform); reconciliation to support capital disclosure and reconciliation to support
capital calculation.
Senior Member, Enterprise Data Governance Council; WBDW – Basel II Data Warehouse Oversight
Committee, and Senior Executive RWA Committee (Risk Weighted Assets)
SAS Institute, San Francisco
Instructor: Bart Baesens (Class and One-on-One Training - 6 months) (10/2009 - 6/2010)
Course Instruction and Personal One -on One session with Prof. Baesens to practice model build - develop
probability of default (PD), loss given default (LGD), and exposure at default (EAD) models;
Validation, back testing and benchmark credit risk models; stress test credit risk models; develop credit risk
models for low default portfolios and use new and advanced technologies for improved credit risk modeling.
Union Bank, VP Enterprise Data Governance /Data Integrity Mgr. for Basel I
(2008 – 2009)
Program Manager
As the Bank’s Lead Data Governance resource for Basel II – established enterprise level standards for
data governance and data quality metrics. Managed and directed Data Integrity Work streams for Basel
(Governance, Data Quality, Metadata Management).
Defined technology capabilities to address: risk and performance information management (data, data
modeling, data quality and data processes), risk exposure and performance management
measurement. Worked on various customer hierarchy issues in RCIF to improve KYC results.
Strong knowledge of AFS (Commercial Loan Origination system used to track, control entire commercial
lending process by automating information-gathering, decisioning, underwriting and loan booking tasks)
utilized from WF to assist UB in managing data across bank units. Managed enterprise level efforts to
program incremental data elements needed for Basel II in the decisioning process and ensured
availability to credit analysts, underwriters, and all tangential review authorities.
Developed specific white papers on regulatory guidance for PD, LGD, LEQ and treatments of equity
exposures et al. Successfully managed the development of Corporate Credit Policy for Data Integrity
for all Wholesale Commercial businesses.
Sub area of specialization: Oracle SQL +, SQL 2005 SSIS, Database development SQL Query -
Reporting SSRS - Cubes & Datamarts ETL Data Integrator XIR2 - Cognos Powerplay & Impromptu -
Some ETL and Datawarehousing architecture
Wells Fargo Bank - VP, Enterprise Risk Management Manager for Basel II
(2005 – 2008)
Credit Modeling and Analytics Team
(Note full-time tenure at Wells Fargo, 9/2000 – 3/2008)
Managed full data integrity effort for 24 Commercial business lines across 22 states with a team of over
300 direct and indirect reports; data integrity team reviewed information security controls to help provide
effective, efficient and secure access to information within applications for cross-bank analysis;
reviewed and evaluated status within loan center operations, support, and maintenance of the technical
environment including master data setup, conversions, transformations and interfaces.
Developed an integrated risk / performance framework and workflow around consistent application of
policy for all Wholesale/Retail Business lines (credit review processes included). Prepared new
enhanced guidelines for credit risk policies. Monitored policy guidelines to ensure procedures continued
to mitigate risk.
For Credit Policy – Developed enterprise-level guidelines and assisted Senior Commercial Officers in
how to manage mitigating risks to the credit portfolios. Developed stress-testing for key risk drivers of
portfolio risk (credit, correlation, migration and concentration – built supportive language into corporate
credit policy which included risk appetite statement by CCO.
Managed and established high-level project management standards for effective project scope building,
scheduling, planning, time management, resource management, and communication and effective cost
management.
2
Prepared data integrity reporting schedules for LOBs to the OCC and Federal Reserve Board (on a
monthly and quarterly basis).
Developed Basel Compliance database now the Basel II Data Wholesale Data Warehouse.
Regularly reviewed data from General Ledger Unit Reports, analyzed reconciliation process.
Developed proprietary application for Basel II regulatory certification CERT, wrote User Guide, training
for 24 Wholesale business lines for Data Integrity Certification Tool. Now managed by Kamal Panda.
Software – SAS, SQL; Clarity, Planview – Saas or Project and Portfolio Management
Wells Fargo Bank – Internet Channel Management (ICM) (9/2000 – 2005)
Vice President, Wells Fargo Services, Internet Services/Strategy/Channel Development
Led development of various applications to help maintenance of WF channels on the Internet. Fifth
largest bank in the country with an online user base of 11 million and site traffic in excess of 4 million
visits per day. Managed Enterprise-wide Internet status Availability Meetings for all Channels
(Mortgage, Home Equity, Deposits, Home Equity, Treasury etc.etc.)
E-Leads Project (assigned to California Business Banking, Los Angeles Metro) to develop an
application managing leads online for investment management community, 5,000 broker population.
Managed comparative cost models analysis for new enterprise level projects. Saved $3.9 million in
associated Internet development project and awarded stock options as part of merit payment for
successful cost savings.
OTHER
McKinsey and Company
Research Associate, Washington DC. 2 year special assignment to work directly with John C. Sawhill,
McKinsey Senior Partner (now deceased, 1936 - 2002) Washington, D.C. office 1985- 1987); Partner specific
financial modeling with large strategic clients under John Sawhill ’s direction. (John Sawhill was the 12th President of
New York University, former CEO of the Nature Conservancy; Senior Partner and Director, McKinsey from 1981 – 1990 and;
former faculty member of the Harvard Business School.)
PUBLICATIONS
Book
Contributing Editor/Writer, Book: “Computer Security”, published by Time Life Books as part of the
Understanding Computers series, 3rd volume in 14 book series. Researched early techniques in Network
Vulnerability, encryption and breaches of security in various government organizations. Published 1987.
EDUCATION
Wharton Fellow, Wharton Graduate School of Business 2004-2006
University of Pennsylvania
B.A. Mount Holyoke College, Political Economy 1991
(combined program of Economics, Government and Mathematics)
Honors Thesis on Economic Disparities in China/Jonathan Lipman
Graduate Certificate; Stanford GSB/School of Engineering 2002
Strategic Uses of Information Technology
Smith College Executive Management, Certificate received in Management, Finance/Mathematics, Computer
Science 1987; 2 year program.
Certifications, Member Organizations and Licenses
Regulatory Compliance
3
Wholesale Credit Risk Trained – Wells Fargo internal Executive Education (Covered, all Lending Requirements
from Truth in Lending, Reg Z to Reg U, etc.
ACAMS, Founding Member San Francisco Chapter. Member # 260884 from 2010 to Present, CE Credits;
Attendance ACAMS 15th Annual Anti-Money Laundering in Hollywood, Florida (self-funded). Participant, CAMS
Certification. BSA/AML Risk Assessment Expert
AICPA, Member, CPA Candidate; Active Member California CPAs: # 232744; FASB Amendment Trained.
PMP (expected March 2013) Project Management Institute, Served on the Executive Committee for PMI
Scholarships
Member Organizations/Extra Curricular
Pacific Masters Swimming Club. Best Times, Women’s 100 Free- 2:03.40; Women’s 200 Free – 4:21.08
Member: Member, USTA, Walnut Creek California Swim Teams
Have served on the Major Gifts Committee of Mount Holyoke College; former member, Board of Directors,
Glaucoma Research Foundation (2002 – 2007); Advisory Board, Women’s Eye Health Task Force, Harvard
University, Harvard’s Medical School’s Schepens Eye Research Institute (2006 to 2008).
4
Reference
From - Doug Twitchell, Vice President, Wholesale Data Integrity Solutions
Pam Colbert and I worked together from 2005 - 2007 within Corporate Credit Administration at Wells Fargo. The
results of this initial effort and our ongoing work has given Wells Fargo a "best of class" Basel II and data
integrity program. I continue to work on this program within Wholesale Loan Services.
Following are some of the significant accomplishments performed by both Pam and myself.
-Identified the significant duties and responsibilities of a data integrity officer (DIO).
-Worked with over 20 business lines to identify their DIOs.
-Personally visited many of the lines of business (LOB) to meet with the DIOs. Explained their roles, our
expectations and these visits provided us with personal knowledge of their business operations.
-Set up a database to collect all the key fields for the wholesale lines of business. Worked with the LOBs and
DIOs to provide data files on a monthly basis.
-Developed scorecards to focus on key data fields for accuracy.
This Basel database has now become essentially a data warehouse of wholesale data and provides key input
for credit reporting, bank capital models and management reporting. It is the go forward system for Wells /
Wachovia.
-Developed project plans to resolve data integrity issues within the LOBs.
-Initiated quarterly sampling of key data fields to verify the accuracy of data being provided into the Basel
database to the source documents.
-Corporate Credit developed a certification tool (CERT) to track errors that were outside of tolerance levels.
This tool contains detailed project plans with due dates for resolution. Pam's role with this tool was to
design and develop the overall requirements to build the tool, perform application UAT and set up and
train users for the initial product release and subsequent iterations. Subsequently after going through
several modifications, CERT is now the basis for reporting Basel II progress to the regulators and senior
management.
-Basel II plans, system processes, and documentation efforts have been reviewed in detail with the OCC,
FED and internal audit. The results of these reviews and examinations have been satisfactory.
Please feel free to contact me if you have any specific questions.
Douglas Twitchell (Retired – contact Kamal Panda)
Vice President
Wholesale Data Integrity Solutions
Wells Fargo Bank, San Francisco
MAC A0187-215
5
6
Contact this candidate