Experience

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  Citizen Financial

  • Executive Vice President - Director of CECL, Credit Loss Forecasting / Stress Testing

    • Jul 2021 - Present

  • Senior Vice President - Director of Loan Loss Reserves and Credit Stress testing

    • Sep 2007 - Present

    Director of Loan Loss Reserves and Credit Loss forecasting / CCAR stress testingResponsible for quarterly production of the Allowance for Loan Loss Losses (ALLL) process.Responsible for implementation the new CECL GAAP requirement for CFG (Jan 2020 go live)Responsible for Credit loss and reserve forecasting for base line forecasting for the budgeting and strategic planning process.Responsible for Credit Loss stress testing for CCAR and DFAST submissions 25+ years in Risk Management Experience.

• 

  RBS-Citizens Financial Group.

  • United States
  • Financial Services
  • 300 - 400 Employee

  • SVP- Director of Risk Appetite & Material Risk Assessment.

    • Sep 2011 - Dec 2013

    Current position includes Risk Appetite setting and embedding into Line of Business; Conducting the enterprise risk assessment and material risks determination that are central to the capital plan; Primary contribution to the CCAR stress testing and & economic capital analysis.

  • SVP - Director of ALLL & Porfolio Analytics

    • Apr 2007 - Dec 2011

    Responsible for credit & loan loss reserves, industry and sector analysis for risk appetite, asset quality and credit loss forecasting, credit stress testing, credit modeling for economic capital for pricing and profitability, credit quality reporting for management and regulatory reporting.Chair of the Citizens Financial Group stress testing working committee

• 

  InSource Consulting

  • Hartford, Connecticut Area

  • Senior Project Manager

    • Mar 2006 - Apr 2007
    • Hartford, Connecticut Area

    Lead project manager for Life Insurance Model and Platform upgrade for ING for Basel intiative.

• 

  Hagan Associates

  • Hartford, Connecticut Area

  • Principal

    • Jul 2004 - Mar 2006
    • Hartford, Connecticut Area

    Various consulting jobs in the banking industry.

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  Fleet Financial Group

  • Hartford, Connecticut Area

  • SVP

    • 1985 - 2004
    • Hartford, Connecticut Area

    Started as a management trainee and held several positions in ALCO, Controllers, Systems Development, Financial Planning, ALLLRisk, and Risk Management.