National Bank Examiner - Office of the Comptroller of the Currency - New York, NY
(2022-10 - 2024-05)
Hourly contract employee for the OCC. Served on the OCC's ERM/Governance Operational Risk Team, MUFG Americas (MUFG).
- Assisting in developing the ERM/Governance team's supervisory strategy, ongoing supervision of strategic, reputation, and operation risk.
- Ongoing supervision of MUFG's internal control environment and internal audit function.
- Supervised and performed OCC validation work related to MUFG management's remediation of Matters Requiring Attention.
National Bank Examiner - Office of the Comptroller of the Currency - New York, NY
(2015-09 - 2022-03)
Served on the OCC's ERM Governance Team, JPMorgan Chase Bank, N.A. Full-time 40-hour work week.
- Assisting in developing the ERM/Governance team's annual supervisory strategy and presenting the strategy to senior OCC leadership.
- Leveraging OCC Lead Expert advice in developing and executing the supervisory strategy. On a business as usually basis, work with team leads and Lead Experts to ensure risks that cross risk strips are identified, assessed, rated, controlled, and escalated.
- Assessing supervisory actions and activities and recommending and participating in decisions involving the identification and mitigation of risks as well as the remediation of issues/concerns, through to validation and closure.
- Working with OCC management in the ERM team's oversight of the Bank's Enterprise Risk Management Framework (includes Operational, Model, Reputational, Compliance, Strategic, Conduct Risk, and Risk Appetite), Internal Audit, and Board of Directors, executive management committees and other related corporate governance oversight functions.
- Participating in evaluating team members' performance and providing input into performance reviews and ratings. Coaching and assisting team members in identifying training opportunities and outside assignments that will broaden team members' knowledge base and experience.
- Ensure visiting examiners are matched with assignments that will broaden their experience and knowledge and increase LBS "bench strength".
- Providing oversight assurance for the accuracy of ratings assigned to coverage areas the ERM/Governance team is responsible for in preparing the quarterly RAS, CORE, and annual ROE.
- Serving as the point person responsible for facilitating the OCC's participation in semi-annual College of Supervisors' meetings and annual Crises Management Group Meetings. Also, a regular attendee representing the team at large. These meetings include domestic and foreign regulators with U.S. and foreign regulatory oversight of the Bank.
- Maintaining a teamwork environment where every discipline team is committed to an integrated approach to effectively and efficiently implementing the supervisory strategy. Motivating team members by sharing experiences and knowledge and inviting them to share as well in a mutually respective environment that fosters continuous learning and career development.
- Coaching and mentoring team members through close collaboration and support in their daily work activities and interactions with team members and Bank staff.
- Encouraging teamwork that values and promotes a safe, diverse, supportive and inclusive work environment.
- Conducted a focus review of controls, risk and compensation in 2021 (Compensation).
- Planned and led the first targeted examination of the Bank's Conduct Risk Management Framework in 2021 (Operational Risk).
- Planned and led the first targeted examination of the Bank's Conduct Risk Management Framework in 2020 (Conduct Risk).
- Responsible on an ongoing basis for covering legal risk, which includes cases involving employee misconduct, market misconduct as well as all major litigation (Legal Risk).
- Serve as EIC of the annual review of the Bank's Recovery Plan. The reviews included an assessment of capital and liquidity triggers that when breached would activate Recovery Actions and escalation protocols up through the executive management committee system to the Bank's Board of Directors and regulatory stakeholders. The reviews also considered whether Recovery Actions are reasonable, executable and would effectively return the Bank to a safe and sound financial condition in a timely manner
- Served as EIC of the OCC's 2016 and 2017 DFAST examination of the Bank. Coordinated examination activities with the Federal Reserve Bank of New York's (FRBNY) annual Comprehensive Capital Analysis Review (CCAR). This included a financial analysis of stress test results to determine their reasonableness and credibility and impact on the Bank capital. This role also included reconciling DFAST results with the FRBNY's CCAR findings, assigning DFAST ratings and presenting examination results and con
- Participate in the ERM team's oversight of the Bank's Enterprise Risk Management Framework (includes Operational, Model, Reputational, Compliance, Strategic, Conduct Risk and Risk Appetite), Internal Audit, and Board of Directors and senior management committees and other related corporate governance oversight functions (ERM & Corporate Governance).
National Bank Examiner - Office of the Comptroller of the Currency - San Francisco, CA
(2012-09 - 2015-09)
ERM/Governance Team, Wells Fargo Bank, N.A. (Wells Fargo).
- Participated in all aspects of the ERM/Governance team's oversight of Wells Fargo's Enterprise-wide Risk Management Framework (included Operational, Model, Reputational, Compliance, Strategic, Conduct Risk and Risk Appetite), Internal Audit, and Board of Directors and executive management committees and other related corporate governance forums.
- Served as the ERM/Governance team's Audit Lead for OCC and covered all activities relative to Wells Fargo's Internal Audit function from 2012 through 2015. Led the annual examination of Wells Fargo's Internal Audit function, focusing on Internal Audit's progress in achieving the OCC's Heightened Standards, assigning an annual Internal Audit rating and communicated the rating and findings to Wells Fargo's Chief Auditor and OCC leadership via presentations and Supervisory Letters.
- In November 2020, gave a 6.5 hour deposition on behalf of OCC legal in a case that will be brought by Wells Fargo's Chief Auditor contesting the OCC's Prohibition Order and fine.
- Participated in multiple examinations focused on Wells Fargo's Enterprise Risk Management Framework, Risk Appetite, and adherence to Heightened Standards.
- Co-led (in a joint review) with the Federal Reserve Bank of San Francisco the first Model Risk Management Examination performed by the OCC ERM/Governance team at Wells Fargo.
- Led the OCC's first evaluation of Wells Fargo's Resolution Plan in 2015 in conjunction with the FDIC's review, and followed closely Wells Fargo's efforts to simplify its legal entity structure and comply with FDIC's guidance subsequently issued to Wells Fargo relative to achieving a more effective Resolution planning process.
- Participated in the ERM/Governance team's initial Sales Practices examination in 1Q2015 that identified malfeasance. Wrote the first MRA addressing deficiencies in oversight and monitoring of employee conduct related to Wells Fargo's Sales Practices.
- Wrote the annual ROEs for Wells Fargo & Company's smaller subsidiary banks from 2013 through 2015.
Senior Licensing Analyst - Office of the Comptroller of the Currency - Washington D.C.
(2011-01 - 2012-09)
National Bank Examiner - Office of the Comptroller of the Currency
(2011-01 - 2022-03)
Full-time 40-hour work week.
