Operational Risk Management

Curtis Delbert Mccullough

Charlotte, NC - willing to go onsite 3 days a week

QUALIFICATION SUMMARY:

Curtis is a Risk Consultant with over 15 years of experience in operational risk management, specializing in RCSA and risk mitigation at top financial institutions like Wells Fargo and Truist Financial.

At Wells Fargo, he supported Corporate & Investment Banking (CIB) teams, ensuring compliance with regulations like FCRA, Regulation V, and MRAs while managing operational risks.

As a Lead Operational Risk Officer, he oversaw risk programs, assessed operational risks, and ensured compliance with CFPB and OCC regulations.

He has led cross-functional teams in project management, focusing on mergers, acquisitions, and process design to align projects with strategic goals.

He has extensive experience in governance and compliance with major regulatory frameworks, including ERISA, BASEL, Dodd-Frank, and SEC.

Curtis has demonstrated leadership by collaborating with diverse teams, advising senior leaders, and contributing to corporate diversity councils.

Professional Summary:

Experienced Risk Consultant with first and second line of defense risk-based experience with banking clients. Managed cross-functional teams to project standards and created in-depth quality results. Participated on corporate diversity, equity and inclusion leadership, and diversity councils. Memberships on university business school board, and advised multiple 501C3 non-profit organizations. Experienced with Risk Control Self-Assessment (RCSA), governance and risk regulatory framework. Served as a Lead Business Execution Consultant, Risk Assessor, and Operational Risk Officer.

KEY COMPETENCIES:

Operational Management - Project Management - Mergers & Acquisitions - Policy Development

Budget Development & Tracking - Project Tracking - Project Scheduling Logistics

Staff Management - SOX Compliance - Risk Assessment - Risk Management

Change Management - Process Design & Improvement - Project Timelines & Workflow

Financial Statement & Ad Hoc Reporting - Executive Level Presentation

Advanced experience with Microsoft Office products (Word, Excel - VLOOKUP, Pivot tables, Access, Visio Power Point, SharePoint,), Jira, Tableau, and SQL.

Conduct regular assessments of organizational regulatory requirements: ERISA, BASEL, Dodd-Frank (DFAST), DOL, OCC, CCAR, KPI, KRI, SSAE-16, and SEC.

Ensure that the CFPB rules protect consumers from unfair, deceptive, or abusive practices when using financial products.

Led assessments and managed non-technical risk processes and control activities, focusing on compliance, AML, fraud, and operational risk across banks.

Professional Experience

Wells Fargo, Charlotte, NC Jul 2024 – Oct 2024

Lead Operational Risk Officer

Manage the development and publication of key control procedures, ensuring alignment with required policies, procedures, and guidance

Evaluate the adequacy and effectiveness of procedures, processes, and internal controls

Implement and monitor risk-based programs to identify, assess, and mitigate any operational risk that arises from inadequate or failed internal processes, people, systems, or external events

Provide operational risk expertise and consulting complex business units for initiatives with high risk, generally spanning multiple business lines

Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals

Ensure that the OCC and CFPB rules protect consumers from unfair, deceptive, or abusive practices when using financial products.

Truist Financial, Charlotte, NC Sep 2022 – Mar 2023

RCSA Assessor/PM

Administered and facilitated the Truist Risk Management (ORM) RCSA program for key business processes. Engaged with fellow risk colleagues to maintain the RCSA Program, and address MRAs levied against the bank by external bank regulators.

Led Risk Control Self-Assessment (RCSA) Workshops using the Archer tools to capture risk assessments, and ensuing that controls were sustainable and measurable.

Documented actionable information and sufficiently helped to maintain and/or improve the control environment.

Monitored key controls through either key indicator or control testing that informed the control rating and overall residual risk rating. Provided assessment results to business units and stakeholders to enhance visibility of the control environment.

Ensure that the CFPB and OCC rules protect consumers from unfair, deceptive, or abusive practices when using financial products.

Wells Fargo, Charlotte, NC Apr 2021 – May 2022

Risk Control Strategy & Planning Consultant

Led and supported Risk Control Self-Assessment (RCSA) Workshops for Corporate & Investment, and Commercial Bank.

Used the Archer tool referred to as (SHRP) Shared Risk Platform for the business support function to capture and manage risk in addressing MRAs levied against the bank by external bank regulators.

Managed cross-functional projects, worked directly with business leadership teams.

Identified and validated internal controls used by commercial banking.

Collaborated with leaders in the organization to lead the Annual Attestation process.

Wells Fargo, Charlotte, NC Sep 2020 – Dec 2020

Sustainability Control Consultant

Insured compliance of (First Line of Defense) and SLoD (Second Line of Defense) with compliance to regulatory requirements as part of the GRC (Group Risk and Control) initiative.

Collaborate with LOB to ensure compliance with regulatory Matter Requiring Attention (MRA), and to ensure FCRA and Regulation V requirements for CIB (Corporate and Investment Bank) are in compliance. Work closely with legal, compliance, and subject matter experts to ensure policies are accurate and up to date.

Participated in the development of the annual SOX testing plan, and monitored, assessed, and advised of activities that validate sustainability of Corrective Actions.

Wells Fargo, Charlotte, NC Jan 2020 – Jul 2020

Risk Integration Team (RIT)

Partnered with WFVC FLoD (First Line of Defense) and SLoD (Second Line of Defense) in compliance with regulatory requirements. Performed risk mitigation oversight efforts for LOB as a member of the Risk Integration Team (RIT).

Used the RCM, SHRP and RCSA tools to report risk, control, and self-assurance activities for the RIT team.

Wells Fargo, Charlotte, NC May 2019 – Jan 2020

IT Business Analyst/Technical Consultant

Used the RSA Archer/SHRP, and RCSA platforms to assess risk, control, and self-assurance activities and capture results into risk databases. Partnered with the (First Line of Defense) Technology Risk team regarding compliance and regulatory requirements.

Performed testing and validation of high-risk processes and controls.

Wells Fargo, Charlotte, NC Sep 2014 – Jun 2018

AVP, Risk Consultant, FTE

Participated on the Corporate Risk Management/WIM BPRM Program Management team that ensured governance and compliance with various regulations such as ERISA, BASEL, Dodd-Frank, DOL, OCC, CCAR, SSAE-16, and SEC requirements.

Utilized tools such as: BIKE, BPRM, CAP, CRAS+, LDR, ORX, RCSA, SHRP (Archer) enterprise risk management systems along with coaching others on risk assessment best practices.

Partnered with the line-of-business to ensure compliance with regulatory requirements.

Collaborate with LOB in compliance regarding regulatory Matter Requiring Attention (MRA), and FCRA and Regulation V requirements.

FTE - AVP, Trust Officer, Project Manager/IT Business Process Analyst/Consultant Nov 2010 – Jun 2014

Managed large-scale change implementation projects, created process flows, developed comprehensive databases, and updated members of management of project status.

Managed the new account setup process for retirement services plans. Served as Subject Matter Expert for business process solutions. Led diverse cross functional project teams using the Agile model, and JIRA tools into requirements documents.

Managed team to successfully change implementation projects. Developed management reports that analyzed data used in managing the business.

FTE - AVP, Trust Officer, Project Manager, Institutional Retirement & Trust 2000 – Nov 2010

Facilitated business and technical projects, overseeing trust setup, and coaching others regarding trust/brokerage account conversions, experienced using Morningstar, and Bloomberg.

Trained new team members on the self-managed brokerage products, managed data mapping account coordination, and created detailed project plans.

Led the transition of over 50,000 trust accounts to the SEI Trust 3000 trust accounting system platform.

Successfully mapped over 10,000 accounts to the Wells Fargo Securities Beta brokerage system and tested and validated to ensure a successful and timely Trust & Custody integration.

ACHIEVEMENTS, MEMBERSHIPS, VOLUNTARY:

Represented business unit on division diversity council.

Managed the communications team of the business unit diversity council.

Participated on a team that developed a diverse interview process.

Prepared senior leaders talking points and coordinated teammate newsletters.

Participated in diversity luncheon learning meetings, and employee resource networks (ERN).

Served on two corporate diversity and inclusion councils.

Advisor, Bless into Unique Care, Inc. 501C3 Non-Profit Organization

Nu Gamma Alpha Fraternity Inc., Treasurer

Big Brothers & Big Sisters Program, Jazz Charlotte,

WSSU, Business & Economics Alumni Advisory Council. Winston-Salem State University 2003 Alumni Achiever Award Winner for the School of Business & Economics

EDUCATIONAL QUALIFICATIONS:

Doctor of Business Administration (DBA) Finance – Walden University

Master of Business Administration (MBA) – Capella University

Bachelor of Arts (BBA), Business Administration & Economics – Winston-Salem State University

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