Senior Director, Enterprise Risk Management
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Innovative, resourceful, and self-directed leader, with demonstrated success in enterprise risk management frameworks. Extensive background in banking, financial services, payment processing, change management, cost management, credit analysis, M&A activities, due diligence, FinTech fraud prevention, underwriting, regulatory compliance, program/project management, business strategy, and best practices. Critical thinker, solutions-focused, and results-driven, with excellent communication skills, cross-functional team leadership and collaboration, integrity, accountability, and a strong work ethic. Brings a wealth of experience to continually develop credit policy, remediate risk, improve processes, and drive business success.
Banking | Financial Services | Corporate Finance | Credit Risk Management | Credit Transactions | Risk Mitigation | Metrics|Merchant Services | Change Management | Budgets | Cost Management | M&A | Due Diligence | Stakeholder Alliances | FinTech Fraud Prevention | Underwriting | Lending | Regulatory/Sponsor Bank Compliance | Fundraising | Philanthropy | Business Strategy | Investments | Program/Project Management | Continuous Process Improvement | Best Practices | Accounting | Cryptocurrency/NFTs/Defi | Sanctions Screening | Team Leadership | Strategic Planning | Mentoring
Snowflake | Salesforce | Sigma | LexisNexis | Experian/TransUnion/Equifax | Quality Management Software | Slack | Jira | MS Office | Google Workspace
★ Senior leader heading up Underwriting, with direct reports consisting of directors, senior managers, managers, portfolio managers, team leads, financial analysts, and credit analysts in payment processing/merchant services
★ Lead front/back-end underwriting risk support and those individuals responsible for monitoring loss and fraud trends
★ Key point of contact and change agent for all emerging risks within the organization, designing and implementing risk mitigation strategies as the senior point of escalation for all disputes/exceptions within the designated credit authority
★ Drive strategic direction and vision for the underwriting management team, develop strategic partnerships with senior leaders, review merchants that present significant exposure, and establish processes/procedures to ensure success
★ Develop budgets and ensure that expenditures are within budget
★ Represent the company at underwriting-related association meetings and seminars
★ Ensure that all employee, merchant, and sales agent activities are in compliance with applicable guidelines/regulations
★ Manage and adapt staff schedules based on workflow and peak periods, ensuring service level consistency, and mentor team members, identifying promotion & growth opportunities, as well as the need for any disciplinary action
★ Identify underwriting efficiency gaps and apply appropriate technology and/or process improvements for peak operation
★ Write system requirements and manage new technology implementation for underwriting
★ Member of the M&A integration team, synergizing and integrating three newly acquired companies in 2022 and conducting portfolio audits of those companies
★ Identified a sophisticated money laundering ring, prevented over $2.5M in credit losses as well as potential regulatory scrutiny, and created six underwriting policies/procedures to successfully implement new fraud mitigation strategies
★ Mentored and promoted eight team members into new leadership roles★ Senior leader heading up Underwriting, with direct reports consisting of directors, senior managers, managers, portfolio managers, team leads, financial analysts, and credit analysts in payment processing/merchant services ★ Lead front/back-end underwriting risk support and those individuals responsible for monitoring loss and fraud trends ★ Key point of contact and change agent for all emerging risks within the organization, designing and implementing risk mitigation strategies as the senior point of escalation for all disputes/exceptions within the designated credit authority ★ Drive strategic direction and vision for the underwriting management team, develop strategic partnerships with senior leaders, review merchants that present significant exposure, and establish processes/procedures to ensure success ★ Develop budgets and ensure that expenditures are within budget ★ Represent the company at underwriting-related association meetings and seminars ★ Ensure that all employee, merchant, and sales agent activities are in compliance with applicable guidelines/regulations ★ Manage and adapt staff schedules based on workflow and peak periods, ensuring service level consistency, and mentor team members, identifying promotion & growth opportunities, as well as the need for any disciplinary action ★ Identify underwriting efficiency gaps and apply appropriate technology and/or process improvements for peak operation ★ Write system requirements and manage new technology implementation for underwriting ★ Member of the M&A integration team, synergizing and integrating three newly acquired companies in 2022 and conducting portfolio audits of those companies ★ Identified a sophisticated money laundering ring, prevented over $2.5M in credit losses as well as potential regulatory scrutiny, and created six underwriting policies/procedures to successfully implement new fraud mitigation strategies ★ Mentored and promoted eight team members into new leadership roles
Skills: Credit Risk Management · Financial Services · Team Leadership · Economic Sanctions · Non-Fungible Tokens (NFTs) · Cryptocurrency · Continuous Process Improvement · Cash Flow Lending · Consumer Lending · Commercial Lending · Underwriting · Bank Fraud Prevention · Card-Not-Present Fraud Prevention · Credit Card Fraud Prevention · Fraud Prevention · FinTech · Stakeholder Management · Stakeholder Relations · Due Diligence · Mergers & Acquisitions (M&A) · Cost Management · Budgeting · Metrics · Merchant Services · Credit Card Transaction Processing · Banking
