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Work Background
M Squared Risk Management ConsultancyRisk Management Consultant
Jan. 2026Current project: Independent contractor for Mercor Intelligence, providing expertise in risk management to improve models for a top AI lab.
PenFed Credit UnionVice President - Enterprise Risk Management & Internal Controls
Jun. 2022 - Oct. 2025Remote
AssetMarkDirector - Enterprise Risk Officer
Jan. 2021 - May. 2022Concord, California, United StatesOversee and manage enterprise risks - ensure full compliance with applicable regulations and risk related matters
Create an integrated risk framework and risk assessment methodology for the entire organization - quantify risk limits, develop mitigation planning and tracking, and communicate to Board and executive management regarding the risk profile of the business
Advise on directing capital to projects based on risk
Main point of contact with the regulatory bodies
PayPalDirector - Enterprise Risk Assessment and Global Legal Inventory
Apr. 2019 - Jan. 2021San Francisco Bay AreaLead PYPLs Risk Management Processes specific to risk identification and assessment across PayPal. Responsible for enhancing the overall regulatory change and risk assessment methodology, framework and processes. Manage three distinct related to regulatory change management, the global risk taxonomy and obligations and the global risk assessment process aligned for all risk disciplines.
Exchange BankSVP Risk Management Officer
Sep. 2016 - Apr. 2019Develop the Bank's risk management strategy and appetite. Build and maintain the Bank's enterprise risk management framework. Manage the Bank's Compliance, Information Security, BSA/AML, Fraud Investigation, and Internal Audit functions. Risk Committee Chair
Bank of the WestOperational Risk Management - AVP
Sep. 2014 - Sep. 2016San Ramon, CAManage Operational Risk for the Retail Banking Group which includes all the Bank's branches and other retail function as well as the small to medium enterprises segment. Manage New Activities program for the Retail Banking Group assessing the inherent and residual risk of new or exceptional activities and products.
DiscoverOperational Risk Manager
May. 2013 - May. 2014Irvine, CaliforniaDiscover Home Loans is the mortgage banking subsidiary of Discover Financial Services. DHL was aquired by DFS in 2011. The Operational Risk team is responsible for the development and implementation of procedures to identify, assess, measure, report and monitor DHL's operational risks. • Establish and implement compliance and control infrastructure to ensure DHL can both fully test operational controls and action plan control deficiencies
• Defined risks and controls and wrote test plans, policies, and procedures for the loan production process, title and settlement functions and secondary marketing functions
• Key facilitator of internal and external audits for DHL and ensure execution of required action items to address audit findings
• Develop comprehensive operational procedure and process documentation as well as effective course material for deployment to field personnel
• Efforts resulted in no Tier I audit findings or regulatory findings for initial exams and internal audits
Discover Financial ServicesCounterparty Risk Manager
Aug. 2011 - May. 2013Riverwoods, Illinois• Developed and implemented an enterprise-wide credit risk management framework: Built models using risk metrics to design formal, objective internal ratings; Designed analytical criteria relating to the measurement, monitoring and control of counterparty risk; Collaborated with Treasury and other business units to improve the robustness of counterparty risk management practices, due diligence, and compliance processes.
• Perform extensive credit analysis and maintain analytic responsibility for a portfolio of complex US and foreign financial services organizations including preparation of counterparty credit reviews, assignment of internal ratings, recommending credit limits and monitoring exposure. • Efforts resulted in a standardized internal rating process that was more quantifiable and less subjective and deemed useful enough to use across multiple DFS business units.
Federal Home Loan Bank of San FranciscoSenior Analyst - Credit Risk Management
Nov. 2008 - Aug. 2011• Instrumental in an overhaul of the risk rating model which had to be adjusted due to significant market and economic changes. • Underwrote terms and managed member and counterparty credit risk for a portfolio of over 70 member banks ranging from community banks to global financial institutions through macroeconomic analysis as well as ongoing discussions with member bank CFOs.
• Efforts resulted in a risk rating model that better identified troubled financial institutions and allowed the FHLB to reduce its outstanding credit to minimize losses upon bank failure.
U.S. Department of the TreasuryExaminer II
Apr. 2006 - Oct. 2008• Completed all courses required to receive accreditation as a Federal Thrift Regulator covering bank safety and soundness, regulatory compliance, loan analysis, real estate appraisal, asset/liability risk management, and IT risks and controls.
• Analyzed the effectiveness of thrifts’ interest rate risk models and made recommendations to management regarding improvements resulting in more robust risk management practices.
• Acted as Relationship Manager and Examiner in Charge for multiple institutions, acted as key liaison between the institution and the OTS, presented exam findings to senior management.
• Worked on a team formed to establish formal classroom training for new examiners that provided more hands-on experience rather than the theory taught in the core courses. • Efforts resulted in new examiners that were better prepared and more effective in their roles.
First Albany CapitalEquity Research Associate
Jan. 2005 - Dec. 2006• Building and maintenance of company financial models in analyst’s coverage universe
• Daily reporting of news and announcements relevant to the industry
• Participating in earnings and mid-quarter update conference calls
• Writing and publishing earnings reports, industry/company reports and coverage initiations
• Preparation of sales presentations and maintenance of all accompanying models, charts and graphs (includes building regression models)
• Regular contact with company representatives regarding updates
• Regular contact with company’s customers regarding relationship and experience
Federal Reserve Bank of New YorkExaminer
Aug. 2004 - Mar. 2005• Passed Level 1 Proficiency Exam to receive Bank Examiner commission based on training in the regulation of financial institutions including learning about the regulatory structure and environment, internal controls, bank accounting, operations and risk management
• Applied federal regulatory guidance to bank examinations in the assessment of credit, liquidity, market, operational, legal and reputational risk at large complex financial institutions
• Promoted to analyst for two large foreign banking organizations which included capital/earnings analysis, country risk assessment, meetings with management, keeping abreast of news and market analysts’ reports
• Presented findings of examinations and made recommendations regarding relative strength of a financial institution with regard to the above mentioned risks to senior management at both the Federal Reserve as well as the financial institution. All findings and recommendations were accepted and corrective action was initiated.
• Assessed the adequacy of policy and procedural documents at financial institutions regarding above risks as well as their adherence to regulatory guidance (included Sarbanes-Oxley compliance)
Wells FargoMBA Summer Intern- International personal banking
Jan. 2003 - Dec. 2003• Created a business plan for the group that identified its competitive advantages and cost/benefit opportunities while remaining cognizant of banking compliance rules and regulations as they relate to global corporations and transactions
• Streamlined processes by standardizing forms and creating operating and reference manuals that complied with global banking regulations
• Relaunched the website making it more global citizen-friendly and better able to identify and tailor itself to client needs
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