Enterprise Risk, Governance, and Compliance Executive Building Stronger, More Resilient Organizations

Enterprise risk leadership helps decision-makers see how regulatory, operational, consumer, third-party, technology, and reputational risks connect before they become isolated problems.

• Led annual compliance risk assessments and translated results into testing, monitoring, reporting, and remediation priorities.
• Built an Excel workbook to catalog aged MRAs, track evidence, and connect remediation to monitoring used to confirm closure.
• Analyzed large data sets during consumer-harm lookbacks to identify potentially affected populations.

Value: Clearer visibility, better prioritization, and more defensible decisions.

Governance turns expectations into decision rights, accountable ownership, reliable escalation, and reporting that allows management and boards to act. My experience includes assessing conflicts of interest and outside business activities, reviewing gifts and hospitality, and documenting decisions when personal relationships or financial interests could affect business judgment.

• Built and strengthened CMS components across testing, policies, training, complaints, examinations, licensing, and reporting.
• Directed SAFE Act/NMLS Mortgage Loan Originator governance and licensing across regulated legal entities.
• Created executive reporting through Power BI, RSA Archer, Excel, and technology-enabled workflows.

Conflict of interest and ethics oversight

• Reviewed annual employee conflict-of-interest disclosures and outside business activities; researched relationships, sought clarification, and assessed potential conflicts involving staff, Sales, executives, and third parties.
• Worked with Risk, Legal, and HR to recommend denials, recusals, restrictions, and ongoing monitoring; documented facts, decisions, and rationale, including formal risk exception requests when appropriate.
• Assessed gifts and hospitality for business purpose, beneficiaries, and potential improper influence; challenged requests and escalated sensitive concerns through established governance and confidential reporting channels.

Value: Clear accountability, documented decisions, and oversight of relationships that could compromise independent judgment.

Regulatory strategy connects interpretation with business impact, implementation, evidence, and long-term control sustainability.

• Created and directed consumer and small-business lending regulatory-change governance at MUFG Union Bank.
• Rescued a stalled high-risk implementation through business briefings, an Excel action plan, ownership, and progress tracking.
• Led or supported examinations involving the CFPB, OCC, Federal Reserve, FDIC, FinCEN, and state regulators.

Value: Requirements move from interpretation to accountable execution.

A strong compliance program combines sound governance with testing, monitoring, evidence, issue management, complaints, policies, training, and effective challenge.

• Personally developed detailed testing workpapers across JPMorgan Chase, MUFG Union Bank, and Experian.
• Rebuilt an Experian testing program spanning approximately 463 obligations and approximately 100 annual reviews.
• Performed second-level review and designed worksheets that documented results, support, conclusions, and follow-up.

Value: Compliance conclusions supported by evidence rather than assertion.

Consumer protection requires understanding the product lifecycle, operational realities, and responsibilities shared across banks, fintechs, and service providers.

• Led compliance across mortgage, home equity, cards, unsecured, and small-business lending, and directed testing, audits, and complaint management for a bank-partner debit card program.
• Served as primary compliance contact to Community Federal Savings Bank for Experian Smart Money, with responsibility for testing, issues, and remediation.
• Directed consumer-harm lookbacks and remediation involving interest, apology communications, and third-party execution.

Value: Customer outcomes remain visible across product and partner boundaries.

Hands-on experience investigating and resolving fraud, misconduct, and financial-crime risk across mortgage, credit card, unsecured lending, branch banking, and consumer-data environments. Reviewed investigative evidence and system activity, identified patterns and root causes, conducted employee interviews, assessed regulatory and control implications, supported SAR-related matters, escalated significant findings, and developed and strengthened preventive and detective controls.

• Investigated internal and employee misconduct, consumer-lending fraud, and potential misuse of consumer data, working matters from initial analysis through escalation and remediation.
• Applied compliance and operational expertise to distinguish isolated events from broader control failures, including retrospective reviews, pattern analysis, root-cause assessment, and control enhancement.
• Worked alongside Fraud, Investigations, BSA/AML, Legal, Privacy, Technology, Operations, and business leadership when matters required specialized expertise or an enterprise response.

Some fraud and misconduct matters also raised conflict-of-interest or ethics concerns. I evaluated the overlapping risks and worked with the appropriate governance functions to document decisions, recommend restrictions or recusals, and support monitoring and control improvements.

Value: Brings both executive oversight and hands-on investigative judgment to complex fraud, misconduct, and financial-crime risk.

Operational excellence makes complex work understandable, repeatable, measurable, and resilient under pressure.

• Created workbooks, trackers, review worksheets, process documentation, executive briefings, and remediation structures.
• Managed large portfolios of obligations, testing plans, issues, policies, training, examinations, and concurrent priorities.
• Supported approximately 15,000 PPP loans totaling approximately $2.5 billion during the pandemic response.

Value: Greater consistency, transparency, execution speed, and review readiness.

Technology creates value when governance, human accountability, data integrity, monitoring, and escalation are designed alongside it.

• Redesigned testing worksheets and workflows to support a transition toward AI-enabled execution.
• Partnered with Technology to convert a regulatory-change workbook into a tool and dashboard.
• Modernized reporting through Power BI and RSA Archer and published a three-part AI governance series.

Value: Technology strengthens judgment without obscuring ownership.

Transformation requires a clear future state, credible governance, coordinated execution, and the ability to bring people through change.

• Designed and led a multi-workstream compliance testing transformation, rebuilding testing discipline, workflow execution, and executive reporting.
• Resolved the audit findings that drove the Experian role by rebuilding core compliance operations.
• Contributed to MUFG Union Bank's transformation toward a Top 10 bank operating model.

Value: Change becomes embedded capability rather than a temporary initiative.

Credible challenge is most effective when Compliance understands the business, explains the risk clearly, and helps identify a workable path.

• Partnered across Product, Sales, Marketing, Technology, Capital Markets, Credit Risk, Operations, Legal, and third parties.
• Translated requirements into business briefings, implementation responsibilities, controls, and decision points.
• Provided independent analysis grounded in actual regulatory citations rather than position alone.

Value: Compliance becomes a source of sound decisions and responsible growth.

Leadership means setting direction and standards while creating the conditions for people with different backgrounds and working styles to contribute fully.

• Led teams of up to 35 employees and technology resources; at Experian, led 18 professionals, including seven direct reports.
• Created expectations, review structures, and development opportunities through significant change.
• Used respectful candor, cultural curiosity, consistent accountability, and room for dissent to address conflict.

Value: People understand what success requires and know their perspective can improve the work.

Executive advisory turns complexity into a clear assessment of what matters, what is missing, what should happen next, and who must own it.

• Assess CMS, governance frameworks, regulatory risk programs, controls, policies, and procedures.
• Conduct gap analyses and develop testing, monitoring, remediation, training, complaints, and reporting solutions.
• Deliver executive-ready recommendations designed for implementation rather than presentation alone.

Value: Leaders receive a defensible path from assessment to action.