SUMMARY:

• I have over ten years of overall credit research experience including 4 years working at a rating agency, 4 years as a corporate bond analyst and 4 years working in CRE analysis. I also have experience in structured credit originations and derivatives and am formally credit trained with underwriting and lending experience.
• At Wells Fargo, I performed and tracked due diligence on securitization and ABL exposures (ABS, RMBS and CMBS), documenting operating controls for governance oversight, and preparing Basel related management reporting. My review included originator/servicer evaluation, loan pool analysis, and legal structure analysis.
• I have a good understanding of counterparty risk management and providing insight into the management of product offerings, regulatory constraints, and capital/liquidity positioning. I am experienced in reviewing financial and asset backed finance counterparties (banks, insurers) and individual commercial transactions.
• I am experienced in leading compliance engagements, preparing related procedures and supervising staff.
• Extensive experience in getting funds, advisors and banking units up to speed on new regulatory requirements.
• I have prepared, executed and advised on the preparation of annual CEO Compliance certifications and Rule 38 - 1 (mutual fund), 206(4)-7 (advisor) and SOX audit reports. I also have extensive AML experience.
• I have trained relevant staff on compliance requirements, performed regulatory research, and informed management of relevant developments in federal laws (including the Investment Advisors, Investment Company. and Dodd Frank Acts), FINRA,CFPB & Basel rules and FRB,OCC, CFTC, and SEC regulations.
• I with have represented firms with regulatory bodies and prepared responses to SEC deficiency letters and enforcement actions and Federal Reserve/OCC MRAs.
• Supported the implementation of various ERM programs, attestations, and regulatory reporting processes including securities Forms ADV, PF, CPO-PQR 13D, 13F, 15C and proxy reporting and banking FR Y- 14Q and FFIEC 031 regulatory reports, the annual FR Y-14A DFAST report and LCR FR2052a liquidity reports.
• I have developed governance programs, including adoption of written procedures for the provision of management accountability in supervising regulatory reporting, capital planning, and risk capital calculations.
• I have conveyed regulatory guidance to various capital management committees, revised committee charters, prepared internal board and committee reports and revised operating standards for governance functions
• Documented data and operational controls across workstreams and business units. This includes acting as a line of defense in identifying, documenting and closing gaps in control processes and system requirements.
• At Wells Fargo, I liaised with business lines and cross-functional groups to data management processes. This included documenting operating processes/controls and serving as a second line of defense on various management reporting issues. I helped prepare supervisory testing and reports on Basel regulatory controls.
• I also helped business lines complete transition periods for enhanced RWA capital requirements, CCAR /DFAST reporting and summary schedules and support documentation. This includes reviewing calculations for estimating risk parameters (PD, LGD, EAD, LCR) for the underlying collateral, and the exposure within the structure’s waterfall (i.e. credit enhancement).

QUALIFICATIONS:

• Attorney with extensive experience in capital markets business analysis, credit and collateral risk mgt. compliance and legal due diligence.
• Comprehensive background in preparing investment management contracts, ISDA and service agreements and regulatory filings.
• Advise on governance issues, regulatory meetings and securities & banking law.
• Strong knowledge of Investment Company, Advisers and Dodd Frank Acts, SEC/FRB regs. Prudential stds. & Basel rules.
• Credit & audit trained with CCAR experience.

Audit Leader

Philadelphia, PA

Confidential

Responsibilities:

• Provide audit services monitoring Basel related process controls for FFIEC regulatory filings: including process frameworks for data integrity; RWA validation practices, calculations and models.
• Advise on implementation of BCBS / Basel III requirements and 2nd lines of defense, and enhancements to Basel reporting change controls and governance documents for credit market, securitization and equity risk.

Financial Analyst 

Charlotte, NC

Confidential

Responsibilities:

• Advised business units and governance committees on: RWA capital interpretations and reporting, Dodd-Frank and Volcker Rule compliance and CCAR/DFAST processes. Performed credit and structural due diligence reviews of securitization/ABL portfolios and PD loan scoring of individual loans.
• Provided SME feedback to business units on credit quality and on control framework for counterparty and securitization credit risk against regulatory provisions for: CRD IV, Basel III, CCAR and CLAR.
• Contributed to changes in design of risk processes (market, credit and liquidity risk) and mapped credit processes and controls for CCAR/CLAR governance oversight and SR-17 model validation.
• Performed QA assessments and served as a liaison/2nd line of defense between LOB’s and Treasury in documenting RWA calculations used in regulatory reporting, capital change mgt. & audit planning.
• Drafted presentations for governance committees on Bank’s risk weight capital position and transition to SFA under the Advanced approach. Monitored new products for reg. capital and liquidity exposure.
• Coordinated with Controllers, Risk, Finance and Audit in managing collateral screening, data sourcing, validation, variances and submissions for FR Y- 9C, 14A and FFIEC 041, 101 DFA reports.
• Responded to FRB/OCC requests/ MRA’s. Managed a schedule of required agency communications

Risk Consulting

Philadelphia, PA

Confidential

Responsibilities:

• Provided regulatory consulting, reporting and registration services to 12 private funds (5 in real estate).
• Designed risk management and modeling assessments and procedures. Responded to SEC deficiency letters/audit findings. Conducted fund manager, credit, legal and ICAAP due diligence. Reviewed legal documents and performance reporting for consistency with public registrations, Forms ADV and PF.

Contract Consultant

New York, NY

Confidential

Responsibilities:

• Prepared and executed credit and due diligence reviews of investment adviser and mutual fund firms.
• Planned and executed projects related to Treasury management solutions including asset-liability, liquidity and capital management. Advised on bank and securities regulatory and proxy reporting.

Contract Compliance Consultant

New York, NY

Confidential

Responsibilities:

• Advised on regulatory compliance and legal issues; created marketing group oversight guidelines for reviewing over 140 companies who distributed mutual fund and SMA products through Citigroup.
• Due diligence of external sub-advisors to assess investment and credit risk management protocols.
• Provided legal support on registered (open & close-end) funds and sub-advisory relationships.
• Supervised contract review, distribution, product development, marketing, and sales practices. Negotiated fund sales, service, broker-dealer, distribution, revenue share and 22c-2 agreements.
• Reviewed fund disclosures including product risks, wrap and trail fees, sales charges and expense ratios vs. prospectuses & regulatory filings. Advised on fund corporate /fiduciary governance matters.

Credit and Legal Analyst

Short Hills, NJ

Confidential

Responsibilities:

• Issued internal credit ratings on corporate, ABS, ABCP CMBS and RMBS recommendations.
• Performed credit analysis and due diligence on counterparties (banks, insurers, BD’s & hedge funds).
• Monitored credit policy, collateralized lending, bank facility and prime lending limits and processes.
• Recommended monetary exposure guidelines to internal credit committees. Reported on portfolio performance, LTV, pricing, risk tolerances, credit / loan / VAR limits, and collateral requirements.
• Offer primary/secondary market support to clients. Coordinated legal issues with outside counsel.
• Executed securities lending, ISDA, MRA’s, MSLA’s, collateral mgt., and service provider agreements.
• Build cash flow models for deal analysis and forecasting. Determined credit and deal terms in legal documentation and compliance monitoring/waivers for all credit facility/conduit covenants. Helped managed contract compliance, NDAs, investment eligibility and portfolio & board governance issues.

Vice President 

New York, NY

Confidential

Responsibilities:

• CRE credit risk and loan valuation advisory services. Performed acquisition due diligence and financial analysis of CRE and mortgage borrowers, loans, and work-outs. Proforma reviews included cash flow, debt, preferred returns, IRR and ROI analyses.
• Conducted market research and project and property due diligence including market comparables and third party feasibility analyses.
• Worked with finance and legal counsel in underwriting, structuring and closing large (direct and syndicated) loan transactions (e.g., $25 MM to $150 MM+).
• Managed reporting compliance for debt agreements, covenants & credit facilities. Developed credit procedures, controls & committee reports.

Associate Director

New York, NY

Confidential

Responsibilities:

• Prepared fixed income credit ratings, research, industry ratios and criteria on health-care and multi-family housing issues.
• Modeled cash flows and reviewed legal documentation for student loan issuance.

Public Finance Specialist/Assoc. Treasurer 

Philadelphia, PA 

Confidential

Responsibilities:

• Helped execute over $4 billion in debt issuance via bond sizings, cash flow modeling and capital planning.
• Led working groups on transactions with banking, legal, and rating agency representatives. Helped identify and implement financing opportunities, funding solutions & capital markets transactions.

New York, NY

Senior Financial Analyst 

Confidential

Responsibilities:

• Treasury and lending (credit, debt, liquidity and counterparty) FRM including for bank / credit facilities.
• Prepared credit metrics, variance analysis and cash flow forecasts. AMEX Credit Training Program.