OpRisk North America 2018 - speakers
Global Head of Compliance & Operational Risk Control
Jim joined UBS in 2002 as part of the Trading Risk Audit (TRA) team in New York and was responsible for various fixed income businesses. In 2005, Jim was appointed Head of TRA and in 2007 as Head of the Investment Bank Audit Division. In March 2010, Jim was appointed the head of Group Internal Audit for UBS globally. On March 2016, Jim was appointed as Global Head Compliance & Operational Risk Control (C&ORC).
Prior to joining UBS, he worked in internal audit at Credit Suisse First Boston in New York from 2000 through 2002 focusing on its MBS/ABS and Private Equity businesses. From 1994 to 2000, Jim worked at Donaldson Lufkin & Jenrette which included a secondment to DLJ International in London from 1998 through 2000. He received an Honours BBA Degree in Finance from Iona College and is North American Securities Administration Association Series 7 and Series 63 registered.
Jim and his wife and two children live in New Jersey. His hobbies include tennis, golf and genealogy.
Deputy Comptroller for Operational Risk
OFFICE OF THE COMPTROLLER OF THE CURRENCY (OCC)
Beth Dugan is the Deputy Comptroller for Operational Risk at the Office of the Comptroller of the Currency (OCC).
In this role, Ms. Dugan oversees policy and examination procedures development addressing operational risk, bank information technology, cybersecurity and critical infrastructure, payments systems, and corporate and risk governance. She assumed these responsibilities in November 2014.
Prior to this role, Ms. Dugan served as Examiner-In-Charge of Citizens Bank, NA, in Providence, Rhode Island, where she managed a team of examiners covering all disciplines, activities, products, and aspects of the bank.
Throughout her career at the OCC, Ms. Dugan has held a variety of leadership roles in supervising large complex financial institutions as well as midsize and community banks and technology service providers. She has significant examination experience in technology, operations, audit, Basel II, enterprise governance, systems integration, and credit, capital markets, and trading platforms. She also participated on the OCC's initial reviews of major service providers based in India. Ms. Dugan is a commissioned National Bank Examiner and Certified Information Systems Auditor.
Ms. Dugan joined the OCC in West Virginia where she assisted in supervising all aspects of community and mid-size national banks throughout the southeastern and mid-Atlantic region. She holds a bachelor of arts in English and a master of business administration fromWest Virginia University
Executive Vice President, Chief Risk Officer
FEDERAL RESERVE BANK OF NEW YORK
Joshua Rosenberg is executive vice president, chief risk officer and head of the Risk Group. Mr. Rosenberg oversees the Bank's risk management framework including its approaches to operational, financial and enterprise risk. Mr. Rosenberg also serves on the Bank's Management Committee and chairs the Bank's Risk Subcommittee.
Mr. Rosenberg joined the Bank in 2001 as a research economist. In 2009, he moved to the Risk Group and established and led the risk analytics function. In 2015, Mr. Rosenberg established and then served as the head of the Risk Group's enterprise risk management function. During the financial crisis, Mr. Rosenberg contributed to the development and implementation of lending programs including the Term Asset-Backed Securities Loan Facility and the Commercial Paper Funding Facility.
Prior to joining the Bank, Mr. Rosenberg was an assistant professor of finance at New York University's Stern School of Business. His research focused on derivatives, volatility and risk management. His papers have been published in journals including the Journal of Finance, the Journal of Financial Economics, the Journal of Business and the Journal of Derivatives.
Mr. Rosenberg holds a bachelor's degree in mathematics and religion from Oberlin College and a doctorate degree in economics from the University of California, San Diego.
Director- Governance and Operational Risk Policy
OFFICE OF THE COMPTROLLER OF THE CURRENCY (OCC)
Lazaro Barreiro is the Director for Governance and Operational Risk Policy within the Operational Risk Policy Division at the Office of the Comptroller of the Currency (OCC).
In this role, Mr. Barreiro manages a team responsible for establishing governance and operational risk policy and guidance for the agency. He assumed these duties in 2016.
Prior to his current role, Mr. Barreiro served as an Assistant Deputy Comptroller for the OCC's Pittsburgh Field Office. He has more than 31 years of financial services examination experience with the OCC, the former Office of Thrift Supervision, and the U.S. Securities and Exchange Commission.
Mr. Barreiro holds a bachelor's degree in finance from Florida State University and a master's in business administration in information technology from Barry University.
Function Head for Operational Risk
FEDERAL RESERVE BANK OF NEW YORK
David Canter-McMillan is the Function Head for Operational Risk, reporting to the Bank's Chief Risk Officer. Mr. Canter-McMillan oversees the Bank's operational risk management framework. Mr. Canter-McMillan is also a member of the Bank's Operations Services Sub-Committee and Business Continuity Incident Response Team.
Mr. Canter-McMillan joined the Bank in 2017, after a 15-year career in the financial industry, having served in a variety of management roles in operations and risk management, supporting global fixed income and commodities sales and trading businesses.
Mr. Canter-McMillan holds a JD from the Cardozo School of Law at Yeshiva University and a BA from Eckerd College. Mr. Canter-McMillan was also a Squadron Legal Fellow at Wolfson College, Oxford University, where he researched harmonization opportunities across European Union legal regimes for racist and xenophobic internet content and also taught legal research and writing
Managing Director, Operational Risk Management
Jay Newberry is a Managing Director in Global Operational Risk Management at Citi. He has responsibility for the global Citi Operational Risk Policy and Framework for assessing, monitoring and communicating operational risks and the overall operating effectiveness of the internal control environment.
Jay's responsibilities include standards for Risk Identification and Monitoring, including risk appetite, key operational risks and key indicators. He is also responsible for standards for Scenario Analysis and related stress loss forecasting processes.
Jay oversees independent verification processes for operational risk.
Jay's prior experience at Citi includes leadership positions in developing and executing credit risk analytics, portfolio derivatives, capital, and credit portfolio management tools.
Jay earned his BA degree in Economics from Middlebury College and his MBA from the Tuck School at Dartmouth in the United States.
Senior Associate Director- Division of Banking Supervision and Regulation
FEDERAL RESERVE BOARD OF GOVERNORS
Todd Vermilyea is a Senior Associate Director in the Division of Banking Supervision and Regulation. Vermilyea is responsible for the Division's Risk, Surveillance and Data Collections functions. In this role, he leads supervisory risk monitoring across the Federal Reserve System to promote consistent views of risk and their translation to policy formulation and supervisory activities.
Previously, Vermilyea was a Vice President at the Federal Reserve Bank of Philadelphia, where he oversaw both the Retail Risk Analysis and Banking Surveillance Units. Vermilyea joined the Philadelphia Reserve Bank in 2002 as a supervisory economist and previously worked as a national community bank examiner with the Office of the Comptroller of the Currency. He has a Ph.D. in Economics from the University of South Carolina and has published article in several leading academic journals focused on banking and regulation.
Chief Conduct Officer & Head of Enterprise Risk Management
CITIZENS FINANCIAL GROUP
Glenna Hagopian is the Chief Conduct Officer and Head of Enterprise Risk Management for the Risk Management division of Citizens Bank. She is responsible for developing and optimizing enterprise risk governance frameworks across all of the bank's risk disciplines, providing the tools, policies, technology and operating models used by 1,200 risk professionals. During her 27-year career with Citizens, Hagopian has designed and implemented a wide range of transformational programs and enterprise-wide initiatives, recently leading the company's program to achieve compliance with the OCC's Heightened Standards and designing and implementing the newly formed Conduct Office.
Hagopian has held progressive leadership roles in Risk Management, including Director of Portfolio Credit Risk Management, Director of the Basel II Program, and Corporate Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Officer. Prior to joining Risk Management, she served in a variety of positions in Commercial Lending and Loan Restructuring, Mezzanine Financing, Corporate Treasury and Technology &Operations Management. She also served as Finance Director for Citizens' Shared Services units, including Operations and Technology.
Hagopian earned a bachelor's degree in business management from the University of Maine, Orono, and completed executive leadership development programs with Harvard Business School and the Global Institute for Leadership Development. She is also a Certified Anti-Money Laundering Specialist (CAMS) and is active in the Risk Management Association, currently serving on the ERM Council.
Michael J Abriatis
Executive Vice President, Chief Operational Risk Officer
Michael J. Abriatis serves as PNC's Chief Operational Risk Officer. His is responsible for leading the PNC Operational Risk program. This includes both defining and implementing the PNC's Operational Risk program as well performing independent risk management activities.
He previously served as Chief Operating Officer for Corporate and Institutional Banking. In this role he was responsible for building the C&IB Business Risk Office as well as client analytics, communications, sales reporting, Canada Branch oversight, continuous improvement projects, and client experience initiatives.
Abriatis joined PNC in 2003 and has held numerous positions across PNC. Previous positions include Sr. Basel Program Manager, CFO Corporate Banking, CFO Wholesale Bank (National City Bank), Sr. Sourcing Manager and Business Improvement Consultant.
Michael has an undergraduate degree from Washington & Jefferson College and a MBA from Case Western Reserve's Weatherhead School of Business.
Managing Director-Financial Risk Management, CRO TD Ameritrade Futures and Forex
Joe Iraci is a Managing Director at TD Ameritrade where he heads the Financial Risk Management team. Prior to this position he headed the Financial Markets Services Group, and the Corporate Risk team. Prior to joining TD Ameritrade Joe held several senior risk management positions within Fidelity Investments at both Fidelity Employer Services Corporation and Fidelity Brokerage Company. Joe previously had been the Head, New Business Operations, UBS AG, and the Regional Head Americas / Deputy Global Head of Operational Risk at Deutsche bank AG, a position he assumed from heading the Business Risk Management for Deutsche Bank's Corporate Trust and Agency Services business. Prior to joining Deutsche Bank, Joe had been a Bank Examiner with the FDIC and served in the United States Marine Corps. Joe completed his undergraduate studies at St. John's University and received his MBA from New York University.
Executive Director, Head of Operational Risk
NATIXIS CIB AMERICAS
Michael Barry is an Executive Director and Head of Operational Risk and Information Security. Mr. Barry, who has nearly 20 years' experience in financial services, is responsible for identification, monitoring and control of the Operational Risk and Information Security functions.
Prior to joining the Americas Platform, Mr. Barry was a Director - Asia Pacific Head of Operational Risk, based in Hong Kong, and before that a Vice President, Asia Pacific (ex-Japan) Global Markets Business Management, Planning and Strategy at Nomura International. Prior to joining Nomura, Mr. Barry worked at DTCC and Citigroup.
Mr. Barry holds a BS in Economics from the University of London and a MBA - Finance, Business and Management from Hong Kong University - School of Business and Management.
MD, Global Head of Cyber Risk
Brendan Goode is a Managing Director and the Global Head of Cyber Risk at Citigroup. Brendan is responsible for improving cyber risk management, strengthening controls, and overseeing independent assessment and credible challenge activities in order to reduce the exposure to current and emerging cyber threats to vital assets, reputation, and operations.
Brendan joined Citigroup in 2017 from Deutsche Bank where he was previously a Managing Director and the Global Head of Information Security Operations and the Regional CISO for United Kingdom & Ireland. During his time there, Brendan led a 24x7 global team focused on the active detection and countering of cyber threats through the delivery of cyber threat management, security incident response, malware response, forensics investigations, vulnerability management, and data leakage prevention. He was also responsible for the implementation of the global CISO strategy across lines of business in the region.
Prior to his tenure at DB, Brendan was a Senior Executive Service (SES) member and the Director of the Network Security Deployment (NSD) at the Department of Homeland Security (DHS). In this role, he was responsible for the design, delivery and production support for intrusion detection, prevention and analytic capabilities. These systems, referred to as EINSTEIN, provided an active defense capability against highly-advanced and sophisticated cyber threats. Brendan also led technical efforts to establish information sharing capabilities between public and private sector organizations in order to improve the overall security of critical infrastructure systems. His efforts resulted in a NIST Innovation Award and a CSO40 Award for initiatives that demonstrate outstanding business value and thought leadership.
Prior to joining DHS, Mr. Goode was at Booz Allen Hamilton. During his time there, he provided strategic and technical guidance in the areas of systems engineering and integration, program management, policy and governance, and acquisition services to senior executives in DHS and the Department of Defense (DoD).
Mr. Goode holds a Bachelor of Science Degree in Electrical Engineering from the Virginia Polytechnic Institute and State University and a Master of Science Degree in Electrical Engineering from the University of Central Florida.
Chief Risk Officer
Novera Khan, Chief Risk Officer, UNIPER
Uniper Chief Risk Officer since February 2016. Before, Novera has been leading the Market Risk department of Uniper Global Commodities since April 2014 and before that led the Gas, Oil & LNG Risk team. Novera has extensive experience in the energy industry and has held various Senior Risk Management positions across multiple markets and companies in the US and Europe.
Deputy Assistant Secretary
U.S. DEPARTMENT OF HOMELAND SECURITY
Rick Driggers serves as the National Protection and
Programs Directorate (NPPD) Deputy Assistant Secretary
for the Office of Cybersecurity and Communications
(CS&C) where he supports the development and
implementation of operational programs designed to
strengthen the security and resilience of the nation's
Prior to this position, Rick served as the Principal Deputy Director for Operations for the National Cybersecurity and Communications Integration Center (NCCIC),Department of Homeland Security (DHS). He joined
DHS in 2003, serving in a variety of roles. Of note, he
was the Chief Technology Officer for the National
Protection and Programs (NPPD). Additionally, he supported the President's National Security Council as
the Director for Data and Systems Integration Policy and
the lead for developing the Climate Resilience Toolkit called for in the Presidents on Climate Action Plan. Before being appointed to the Senior Executive Service, Rick held multiple senior management positions within NPPD and the Office of Intelligence and Analysis.
A former United States Air Force Combat Controller, Rick deployed as a member of many U.S military and international Special Operations Forces operational and tactical teams conducting high risk mission in austere environments. He has received multiple military awards and decorations to include the Jumpmaster Parachutist Badge, the Military Freefall Jumpmaster Badge, Special Operations Combat Diver Badge, and the U.S. Army Ranger Tab.
He holds a B.S. in Applied Science and Technology and is a graduate of the Harvard Kennedy School of Government Senior Executive Fellows Program.
SVP, Chief Risk Officer
Ms. Girling is SVP, Chief Risk Officer at Investors Bank. She was previously Business Risk Officer - SVP, at Capital One Commercial Bank. She has over 20 years of experience in the global financial services industry. She is a recognized risk management leader in the industry and was named one of the decade's "Top Fifty Faces of Operational Risk". In addition to authoring two Operational Risk textbooks, she is also an active public speaker on topics of Operational and Regulatory Risk Management. Holding a PhD (Global Affairs), the New York Bar and Financial Risk Manager (FRM) qualifications, she was also recognized in 2014 by Working Mother Magazine as one of the top 100 Working Mothers in America.
EVP, Head of US Model Risk Management
Manan is currently a Senior Vice President at HSBC where he focuses on stress testing and enterprise wide risk management. Previously, he was Regional Manager of OTC Derivatives Pricing and Risk for HSBC's securities services division which involved evaluating client portfolios across multiple asset classes and strategies in the alternative investment space. Manan also worked at Deutsche Bank, Swiss Re and DKR Capital. At DKR, he ran a portfolio focusing on global volatility trading across convertible bonds and equity derivatives. His experience covers portfolio management for derivative products as well. He is also an adjunct faculty member at the New York Institute of Finance. Manan specializes in courses related to the trading and risk management of derivatives across asset classes, including equity, fixed income, foreign exchange and credit. His course offerings have also included stress testing, Asian capital markets, and structured products.
Manan has a B.S. Finance from the Wharton School at the University of Pennsylvania, M.Sc. in Economics from the London School of Economics and an executive MBA from the Trium program.
Senior Vice President, Director of AML
EW YORK COMMUNITY BANK
McHenry J. Kane joined New York Community Bancorp, Inc., on April 17, 2017, as a Senior Vice President, and Bank Secrecy Act and Office of Foreign Assets Control Officer. Mr. Kane is responsible for developing, implementing, administering and monitoring all aspects of the BSA/AML/OFAC Compliance Program and the day to day management of departmental staff, including ensuring all banking activities meet all applicable regulatory requirements. Mr. Kane manages a staff of approximately 88 engaged in various aspects of BSA, AML and OFAC compliance as well as technology support and governance for these endeavors. He acts as an advisor to the Bank's Board of Directors, Senior Management, Regulatory Affairs Officer and other Bank personnel regarding regulatory changes.
Mr. Kane came to NYCB from SunTrust Bank where he held senior management positions in BSA/AML Strategies and Planning, Anti-Money Laundering Director and Regulatory Attorney from 2008 to 2017. Prior to joining SunTrust, Mr. Kane was an attorney at Hunton & Williams LLP in Charlotte, N.C. where he represented several large financial institutions focused primarily on synthetic securitizations. Mr. Kane is licensed to practice law in Georgia, North Carolina and South Carolina.
Head of Operational Risk
AQR Capital Management
Graeme Farrell is a Managing Director and Chief Operational Risk Officer at AQR Capital Management, a global investment management firm. In this role he is responsible for designing, building and maintaining all components of the Firmwide ORM Framework. Prior to joining AQR, Graeme was the Global Head of Operational Risk Management Framework at JP Morgan Chase. Graeme has an M.A. in International Financial Analysis and a B.A. in Accounting & Law.
Senior Vice President- Operational Risk Management
Matt Duditch is Senior Vice President, Operational Risk Management at U.S. Bank. Matt's team manages all aspects of the Operational Risk Management Framework for U.S. Bank including loss data, RCSA, scenario analysis, policy, risk appetite, reporting, governance, stress testing, capital oversight and key operational risk programs such as: issue management, key indicators, root cause analysis, and control monitoring and testing.
Matt has circa 20 years of financial services experience in both the U.S. and Canada. Prior to U.S. Bank, Matt held a variety of leadership positions for HSBC and Royal Bank of Canada. He has a breadth of experience including operational risk , credit risk, and enterprise risk management.
Matt has his undergraduate degree from California State University of Monterey Bay College of Business. He has an Executive MBA from the Kellogg-Schulich School of Management Global EMBA Program. He also has a professional certification of Advanced Risk Management from Wharton School of Business and the Risk Management Association. Matt is active in industry groups including the Risk Management Association and American Bankers Association. Matt is also active with local non-profit organizations serving his local community.
Managing Director, Chief Data Officer - Americas
Born and brought up in Mumbai India, Bala Ayyar has worked in the field of Finance & Accounting and Banking for more than thirty years. Bala holds professional accounting qualifications from both India and the United States. He has an undergraduate degree in mathematics from the University of Mumbai.
Since joining SG in 2009, he has held a range of positions. Currently, he is the Chief Data Officer, SG Americas, with responsibility for data management and governance within the Region. This function is responsible for implementing the requirements of BCBS 239, establishing sound data governance framework that meets Group needs and local supervisory expectations and creating a solid platform for the data to be leveraged for strategic business decisions. Prior to that, he headed up the Project Management Office for the SG US Transformation project. Roles before that included Head of Finance Offshoring in SG Bangalore and Deputy CFO of the Americas Region of their Corporate & Investment Bank.
Prior to joining SG, Bala was with the Imperial Bank of Commerce (CIBC) for fourteen years in a range of positions in Toronto and New York. As Senior Vice President of the Wholesale North America Finance, he headed up the controllership function for CIBC's World Markets and Treasury & Risk Management Strategic Business Units within North America. With a total team of about 175 individuals across Toronto and New York, he was responsible for establishing a SOX-compliant industry-leading Finance control environment as well as supporting the efficient execution of business initiatives and managing the Finance related US regulatory relationships during a very demanding period. Prior to that, he also had stints as the business-line controller for the Bank's US origination businesses (Corporate Lending, Investment Banking, Merchant Banking, Structured Finance and High Yield), as well as the 2/ic to the Chief Accountant, with responsibility for consolidated financial, management and regulatory reporting at the corporate level.
Prior to CIBC, he was with the public accounting firm of KPMG for 10 years, mostly in Bahrain in the Middle East. He held a range of positions culminating in Senior Manager. Responsible for assurance and consulting engagements for offshore banks, focused on technical excellence, customer satisfaction and practice profitability. He was the Engagement Senior Manager for the region's second-largest bank and also played a key role in setting up a Treasury consulting specialization within KPMG Bahrain.
Bala Ayyar lives in Basking Ridge, New Jersey, is married with two children and enjoys long-distance running.
Gustavo A. Ortega
Head of Corporate Operational Risk Management
Gus is a risk practitioner in the financial services industry with over 15 years of experience. Currently, he is responsible for Operational Risk policy, governance, programs and framework, data management and reporting at AIG. Gus's primary responsibility is maintaining an integrated operational risk function that supports the company's three lines of defense accountability model and ensures regulatory requirements are met with respect to the design and implementation along with continuous refinement of the Operational Risk program across AIG. Prior to AIG, Gus held various senior positions at UBS Investment Bank, Dresdner Bank and Morgan Stanley.
Regional Head of Business Continuity Americas
Nikki Covino is the Regional Head of Business Continuity for Credit Suisse (CS). In this role, she is accountable for Business Continuity for all CS offices in North and South America. In her role as part of the risk organization, she is responsible for review and challenge of all business plans for contingency and for governance of Disaster Recovery testing. In addition, she is the lead Crisis Manager for the region and has led many events over the past 12 years including hurricanes, earthquakes, blackouts, fires and IT outages.
Prior to Credit Suisse, Nikki worked at Merrill Lynch in the FX Technology area. As part of that role, she assisted in the development of a Risk system for trade matching.
Nikki earned her bachelor's degree in Economics from University of Massachusetts, Amherst. She currently lives in Manhattan with her husband and 2 teenage daughters.
Michael A. Barton
Director of Operational Risk Quantification and Scenario Analysis
Michael Barton, Head of Op Risk Quantification for Economic Capital, CCAR, and Scenario Analysis
Michael Barton is currently the Head of Operational Risk quantification and risk data analytics at AIG. His role entails leading the modeling efforts for CCAR estimation, economic capital, scenario analysis, allocation, and other analytical support for AIG's risk management framework. Before working at AIG, Michael was the Head of the Regulatory Solutions Quantification group in U.S. Bank's Corporate Treasury Department. In this role, he was responsible for CCAR/DFAST and regulatory capital modeling for Operational Risk, as well as setting up a governance framework for models and analytical tools in U.S. Bank's Corporate Treasury Department. When Michael left U.S. Bank, there were no open MRAs for the CCAR/DFAST Model. Previous to those roles, Michael worked in an actuarial capacity at Sun Life Financial in Boston handling variable annuity reserving, fixed and variable annuity lapse study estimations, and retirement product pricing. He held a similar variable annuity reserving role in Security Benefit Corporation in Topeka, KS before that. Michael has a Bachelor's Degree in Mathematics with an Actuarial Emphasis, and a Master's Degree in Theology.
Head of Enterprise Risk
Manager, Global Financial Crimes Intelligence Group
Lester Joseph is the Manager of the Global Financial Crimes Intelligence Group at Wells Fargo & Company. The primary mission of this Group is to provide intelligence on money laundering activity and financial crime trends to all parts of the company. Les joined Wells Fargo in March 2010 as the International Investigations Manager.
Prior to joining Wells Fargo, Les worked for the U.S. Department of Justice from 1984 to February 2010. From 2002-2010, he was the Principal Deputy Chief of the Asset Forfeiture and Money Laundering Section (AFMLS). He was a Deputy Chief in the Section since October 1991.
Les began his career with the Department of Justice in 1984 as a Trial Attorney in the Organized Crime and Racketeering Section. From 1981-1984, he was an Assistant State's Attorney in Cook County (Chicago), Illinois. He received his J.D. from The John Marshall Law School in Chicago and his B.A. from the University of Michigan.
Head, Enterprise Risk Management
DISCOVER FINANCIAL SERVICES
German Pliego Hernandez
Lead Statistician-Risk Analytics
German is the Lead Statistician for the Operational Risk Analytics Unit at AIG. In this role, German manages operational risk quantitative data analysis supporting AIG's regulatory stress testing, economic capital estimation, and the allocation of those estimates to the business. German develops statistical methodologies for use of cyber risk and other operational risk scenarios, as well as providing statistical guidance for other balance sheet forecasts related to AIG's stress testing exercise. Before working at AIG, German was an associate professor at the University of St. Thomas in St. Paul Minnesota and before that at Purdue University in Indiana, teaching Applied and Advanced Statistics, Data Mining, Machine Learning, Advanced Statistical Software, and Operations Research; all while conducting research in Applied Statistics, Financial Markets and Quality Control. German has a PhD in Statistics from Purdue University; Master's Degrees in Mathematical Statistics from Purdue University, Applied Statistics and Actuarial Sciences from "Centro Interamericano de Estudios de Seguridad Social" In Mexico City, Mexico, Operations Research, and an MBA; and a Bachelor's Degree in Business Administration from "Universidad Autonoma del Estado de Mexico" in Toluca, Mexico.
Glenn H. Hursh
Glenn is a Managing Director in KPMG LLP's Advisory practice in the Pittsburgh office. Glenn has over 25 years of risk management experience in the financial services industry, including 12 years in industry serving in various senior management positions in internal audit and regulatory compliance. Glenn also has over 15 years of experience providing enterprise risk management assessment, internal audit outsourcing and risk consulting services in the financial services industry.
Etsuko "Ekko" Fuseya Jennings
MORGAN STANLEY INVESTMENT MANAGEMENT
Etsuko (Ekko) Jennings is Global Head of Operational Risk for Morgan Stanley Investment Management. In this role, she is responsible for ongoing analysis, reporting, and mitigation of Operational Risk covering both public and private assets. She joined Morgan Stanley Investment Management in 1995 and has over 25 years of financial industry experience. Her recent areas of focus include 3rd party risk management, change management and KRI/KPI implementation. Ekko received an undergraduate degree from Keio University in Japan and has a Master's Degree in International Relations from University of North Carolina-Chapel Hill. She serves as a co-chair of SIFMA AMF Operational Risk Committee.
Marshall Toburen is a GRC strategist with RSA Archer, providing strategic input to the development of risk-related solutions and advising customers on best practices relating to Operational, Third Party, and Enterprise Risk Management. Prior to joining RSA, Marshall served as SVP/Director of Enterprise Risk Management for a diversified financial services company based out of Kansas City, MO. In that capacity, Marshall was responsible for the company's enterprise risk management activities, including its ERM practices and technology solutions, information security, insurance risk transfer, loss management, third party risk management, Sarbanes-Oxley controls management and 302 certification process. Marshall has previously held positions in the financial services industry, including as Operational Risk Manager, Chief Audit Executive, IT Audit Director, and Assistant Controller.
Marshall holds an M.A. in Economics from the University of Missouri, B.A.s in Economics & Political Science from Baker University, and has received certifications as a CIA, CISA, and CBA (non-practicing).
Director of Risk Management
Barry Macklin is a Director in AIG Enterprise Risk Management - where he leads the Program Governance Unit and the eGRC Program. Barry previously managed initiatives related to developing and deploying the Operational Risk Management framework and methodology. Prior to AIG, he was a Senior Vice President with JPMorgan Chase and held various Internal Audit and Risk Management positions.
Partner, Finance & Risk
Evan G. Sekeris is a Partner in the Financial Services practice of Oliver Wyman, based in Washington, D.C.. His areas of focus are operational risk, stress testing and model risk management. Evan's background is in the measurement and quantification of credit risk and operational risk. His primary focus is currently on supporting institutions in building operational risk modeling for stress testing, developing their risk identification process and developing their model risk management frameworks.
Some of his recent client engagements include:
For a foreign global bank, helped them develop a comprehensive operational risk framework for their US based IHC. Ensured both integration of the framework in their international framework as well as US regulatory compliance.
For a large internationally active US bank: supported major change of course in CCAR operational risk stress estimates a few months prior to submission in reaction to regulatory guidance.
For a large regional bank: built their CCAR loss projection model and wrote the documentation for the full CCAR operational risk submission.
For a global bank conducted a validation of their operational risk modeling framework for CCAR
Prior to joining Oliver Wyman, Evan was the Head of Risk Consulting for Financial Institutions for Aon in Columbia, Maryland. He was in charge of building Aon's risk consulting practice for financial institutions and managed multiple teams based in North America and Europe to deliver services to clients worldwide. Previously, Evan was an Assistant Vice President of the Federal Reserve Bank of Richmond, where he created the center of excellence for operational risk which served the System needs for operational risk related matters. The team was in charge of the supervision of all AMA and CCAR banks in the US and developed the Fed's CCAR model for operational risk.
Evan earned a B.A. and M.A. in Economics from the Université Catholique de Louvain in Belgium. He received an additional M.A. as well as his Ph.D. in Economics from the University of California at Los Angeles.
Partner, Financial Services Organization
Daniel McKinney is a New York-based Partner in Ernst & Young's Advisory Services practice. Dan leads the Operational Risk Management practice based in New York. He has approximately 25 years of industry experience in capital markets, banking and broker/dealer operations and operational risk management, compliance and audit. Dan has been responsible for leading engagements related to all aspects of operational risk framework development for major global financial institutions. This includes helping banks, asset managers, and insurance companies with the establishment of appropriate governance and oversight structures in support of their operational risk framework
• Dan played an integral role in the development and deployment of Ernst & Young's operational risk management framework and approach in the US, including the development and integration of a suite of supporting tools and methodologies as part of Ernst & Young's Basel II service offering.
• He has led projects to develop and improve business processes making sure that adequate controls are maintained and key risks identified are managed in an effective manner.
• He has provided advisory assistance helping clients to enhance their risk reporting processes to both the Board of Directors and Senior Management
• Dan has also assisted clients with the development of revised processes to streamline and leverage existing risk and control focused efforts to develop more efficient approaches and support a risk convergence framework
• He has led projects designed to integrate Operational Risk Management into broader Enterprise Risk Management programs including working closely with other risk/ control functions such as IT Risk, Compliance,
• Dan has on numerous engagements developed a common enterprise risk framework including the development of risk appetite and thresholds, risk governance and escalation processes, as well as common process, risk and control taxonomy and data structures to facilitate improved enterprise wide risk reporting
Head of Information Security
NATIXIS CIB AMERICAS
Tom Kartanowicz has been Head of Information Security for Natixis CIB Americas since 2012, having joined the Firm in 2007. Prior to joining Natixis, he was a Systems Administrator at Principia Partners and, earlier, for New York University.
Mr. Kartanowicz is a member of NY Metro Infragard and the NY Metro Chapter of ISSA. He holds a CISSP and CISM.
Mr. Kartanowicz holds an MS, Information Technology from University of Maryland University College and a BS, Computer Science from New York University.
Mr. Kartanowicz has appeared as a panelist and presenter at Technology Managers Forum, CISO Summit NY, NetSPI Executive Leadership Luncheon and GFMI Vendor Risk Management conferences.
Senior Vice President of Industry Solutions
Brenda Boultwood is responsible for a portfolio of key industry verticals, including Energy and Utilities, Federal Agencies, and strategic Banking and Financial Services customers. She also currently serves on the Board of the Committee of Chief Risk Officers (CCRO).
Brenda has a rich career in Risk Management. Most recently she served as Senior Vice President and Chief Risk Officer at Constellation Energy. Prior to that, she served as Global Head of Strategy, Alternative Investment Services at J.P. Morgan Chase & Company, where she developed the strategy for the company's Hedge Fund Services, Private Equity Fund Services, Leveraged Loan Services, and Global Derivative Services. During her tenure at J.P. Morgan Chase, Brenda also served as Global Head of Strategic Risk Management for its Treasury Services Group, and Global Business Head of Global Derivative Services for its Alternative Investment Services Group.
At Bank One Corporation, she served as Head, Corporate Market Risk Management and Counterparty Credit, and Head of Corporate Operational Risk Management, before advancing to Head, Global Risk Management for the company's Global Treasury Services Group.
Operational Risk Specialist
Operational Risk Specialist
First Data - Craig is Global Head of Enterprise Risk Management Strategy and is responsible for developing and implementing the ERM Framework Elements, Integrating Risk Management into the Business Strategy, executing Top Risk Assessments, developing and driving the RCSA and Scenario Analysis Programs, ERM Training, Bank Sponsorship Risk Analysis, collecting and reporting External Events and leading the ERM Technology Program's Strategy and Architecture.
RBS - MD - Head of Operational Risk Management for the Americas where he was responsible for driving risk practices and governance to comply with the Federal Reserve's Cease & Desist Order over America's businesses. Craig designed major changes to RBS's risk framework and compensation program to align with the Federal Reserve's Compensation Initiative and Dodd -Frank. He also implemented regional level scenario analysis on major industry exposures such as DDOS, foreclosures practices, and Model Risk Management program. He also co-chaired the Americas Compliance and Operational Risk Committee and was a member of the IT Risk Committee, ORM Capital and Vendor Management Committees. In addition, Craig was also the
RBS - MD - Global Head of ORM's Systems and Analytics where he developed advanced analytical risk systems and ran the Global Risk Data Aggregation Initiative for ORM.
Citigroup - SVP/ CAO and Head of Risk Management for Global Technology Operations. Craig created and developed the firmware IT Risk Management Approach and Culture Initiative, developed a business approach to application risk classification, led the Executive Committee member and key driver of Citi's IT Risk Reengineering Initiative, Chaired the business wide Electronic Communications Committee.
J.P. Morgan - Head of JPM's Horizon Risk & Advisory Business. Craig created JPMorgan's Horizon GDC Solution deployed at J.P. Morgan and throughout the top institutions in the financial industry. Won several risk and technology awards including "Best Operational Risk Assessment Software," Received a Patent on "Measuring and Managing Operational Risk". Closed 26 major deals with top financial companies and regulators such as: The Federal Reserve Bank, Merrill Lynch, Credit Suisse, Prudential, The World Bank, Bank of China, Hong Kong Monetary Authority, Swiss Re, Bank of Tokyo - Mitsubishi, ABSA, Bradford& Bingley, British Petroleum, Kasikorn Bank, Developed an industry standard methodology for operational risk convergence .
J.P. Morgan - Head of Information Technology Risk Management . Craig built J.P. Morgan's first Global IT Risk Department and initiated significate changes such as forming and chairing the Global IT Governance Committee, rolling out RCSA ‘s globally, defining key performance metrics and creating regular dialogue with regulators around the world.
RiskTao, LLC - Craig is the CEO & Founder of RiskTao, LLC which specializes in Enterprise Risk Training and Advisory Services.
Education: Graduated from Iona College with a Double Major in History and Communications
Financial Economist, Supervision, Regulation and Credit
THE FEDERAL RESERVE BANK OF RICHMOND
Filippo is a financial economist in the Quantitative Supervision and Research (QSR) unit of the Federal Reserve Bank of Richmond. Filippo joined the Richmond Fed in 2014 after earning his doctorate in Finance at the University of Arizona. Prior to moving to the US, Filippo worked one year for Toro Assicurazioni S.p.a. (now Assicurazioni Generali S.p.a.) and obtained his master degree in Actuarial and Statistical Science from the University of Turin. Since he started working for the Richmond Fed he has been heavily involved in Operational Risk as both modeler and examiner.
VP, Enterprise and Operational Risk Management
COAST CAPITAL SAVINGS
Andrew Richardson is experienced in developing, implementing, and leading risk management at Canadian federally regulated financial institutions. Andrew was appointed Vice President Enterprise & Operational Risk Management in March 2017. Since joining Coast, Andrew led the development of both the Enterprise Risk and Operational Risk functions, levering his knowledge of both these functions at federally regulated financial institutions and at a large credit union in Ontario. Prior to joining Coast, Andrew was Director Risk Management with Meridian Credit Union (Meridian) in St. Catharines, Ontario. In this role, Andrew led the assessment and remediation planning of Meridian's risk management practices to align with Canadian Federal Regulations. Prior to joining Meridian, Andrew was with BMO Financial Group (BMO) where he held roles in product management and operational risk management.
Director of Market Development
Russell Stohr is Director of Market Development for Enterprise Risk. He is responsible for interacting with customers to understand emerging challenges and working across Thomson Reuters teams to identify technology and information assets that can help customers meet their challenges. Before joining Thomson Reuters in 2013, Russell was Senior Director of Product Strategy at Oracle, where he was responsible for GRC product management and market strategy.
Financial Crimes Consultant
Kelley Chamberlain leads a team within Wells Fargo's Global Financial Crimes Intelligence Group focusing on cyber-enabled financial crimes. Prior to joining Wells Fargo, Ms. Chamberlain was an Associate at Booz Allen Hamilton supporting cyber threat intelligence, financial intelligence, and open source intelligence endeavors. Ms. Chamberlain holds the American Bankers Association's CAFP certification, and is a veteran of the United States Marine Corps. Additionally, she has held FINRA Series 7 and Series 66, and COMPTIA Security+ certification, and is pursuing a Master of Science in Applied Intelligence.
Principal, Financial Services
Matthew is a New York-based Principal with Ernst & Young's Risk Transformation (RT) practice in the Financial Services Office (FSO). Matthew is the Global leader for Third-party Risk Management for Financial Services and brings over 14 years of experience working in the financial services industry, specifically in Banking & Capital Markets and Insurance. Matthew has experience working with large financial institutions on risk management tools and processes, sourcing/third-party risk management, analytics and regulatory and compliance (i.e. FED/OCC) projects. He has worked on global projects and assisted in international coordination with multiple engagement teams and has been fully dedicated to third party risk management since 2010.
Director – Quantitative Risk Analytics
STATE STREET CORPORATION
Saqib Jamshed has over 20 years of experience at various Wall St. firms including Goldman Sachs, Royal Bank of Scotland and Morgan Stanley. He has served in programming, trading and risk management capacities at these firms and is currently embedded in the model risk group at State Street Corporation. He has an extensive background in Risk Analytics and is involved in initiatives related to automation and streamlining of regulatory and compliance activities.
Operational Risk Expert
Ed Kim is the Head of Operational Risk Consulting at OpRisk Advisory, U.S. where he leads risk advisory teams and provides full range of Operational Risk Framework, Management, Metrics, Policy, and Transformation (TOM) consulting services to corporate clients.
Previously, Ed was the Head of Operational Risk, Americas at Standard Chartered Bank where he built and led the operational risk team in implementing an enhanced Operational Risk Framework, focusing on identifying, mitigating, and managing risks at process levels, especially around regulatory, AML, and Sanction risks. Prior to SCB, Ed was the Head of Operational Risk of .U.S. Wealth Management at RBC where he was responsible for implementing an enhanced AMA compliant Operational Risk Management Framework.
Overall, Ed possesses 20 years of hands-on provides leadership experience and knowledge in all areas of Operational Risk Management, Risk Strategy, Internal Controls, Process Enhancements, and the regulatory environments in which they operate.
Leith W. Kaplan
Formerly Senior Vice President, Chief Risk & Compliance Officer
Formerly PHH CORPORATION
Lee is the former Senior Vice President, Chief Risk and Compliance Officer for PHH Corporation. He was responsible for designing and operationalizing PHH's Enterprise Risk and Compliance Management Programs across all business channels and shared services functions and establishing and unifying policy, risk appetite, governance and reporting across the enterprise. Lee's organization was responsible for all second line risk and compliance monitoring and assessment activities related to operational risk, procurement and third party oversight, information security, business continuity, AML/BSA, regulatory compliance, consumer complaints, credit risk, quality control, market risk and insurance. Prior to his appointment as PHH's first risk and compliance executive officer, Lee served as Vice President - Legal & Assistant Secretary of PHH focusing his practice on compliance and capital markets. Lee has his undergraduate degree from Lafayette College and his JD from Temple University School of Law.
Leader, Operational Risk Management
Chris is a Specialist Leader with Deloitte & Touche LLP's Risk and Financial Advisory practice. Chris leads the firm's operational risk management offering in the US member firm. Chris advises clients on the design, operation and transformation of operational risk programs across a variety of industries. Chris has been with Deloitte since January 2016. Prior to Deloitte, Chris held various leadership positions at the General Electric Company across Europe, Asia and North America in his sixteen years at the company.
Senior Manager, Advisory
Steve is a Senior Manager with Deloitte Risk and Financial Advisory focused on providing risk management services for global financial services clients. This includes taking innovative approaches to further the ability of organizations to integrate operational risk and cyber security activities through the development of risk models for enterprise encryption programs and cyber assessment toolkits. Prior to joining Deloitte, he has led the development and implementation of operational risk frameworks in large financial institutions such as Barclays, Royal Bank of Scotland, and Northern Rock. Most recently he led the operational risk program for Santander US as the US Chief Operational Risk Officer (CORO).
Nitish is a Principal with Deloitte Risk and Financial Advisory in New York and serves as the East Region leader. He has more than 20 years of financial services experience in capital markets and regulatory consulting. At Deloitte, Nitish's primary focus is the delivery of large complex projects for clients in the financial services industry, specifically projects requiring review and transformation of risk operating models; risk and controls governance; and assessment and enhancement of operational risk management programs. More recently, Nitish has been assisting clients with the introduction of big data techniques and leveraging analytic and predictive models to deliver increased value to operational risk managers.
Nitish serves Deloitte's largest banking and broker/dealer clients and had led projects in the U.S., Europe and Asia. In a prior role, Nitish worked in a change role with a global investment bank. He also has prior experience with the consulting business of a global professional services firm working primarily in the area of back office operations and process improvement.
Former CRO and Head of Risk for two of the largest Global Banks operating in Canada
Robert is an accomplished risk management professional with a solid 24 year career in risk management, banking & regulatory program management. His career spans executive leadership, relationship and financial management roles in the financial services industry.
He is a driven individual who has led, managed and overseen the implementation of risk and regulatory programs for two of the largest International Banks operating in Canada. Robert was most recently the Chief Risk Officer for the Canadian unit for one of the top 10 largest financial institutions in the world.
He has tremendous energy and passion for this industry and has continuously sought to build sustainable and pragmatic solutions for clients with whom he has worked.
He enjoys the complexity and challenge involved in what is essentially a fundamental business service (Banking).
Director, Operational Risk Management
Dominique has over 20 years of financial services industry experience and deep expertise in Operational Risk, Technology, and Process Transformation. Dominique is a Director at Mizuho Bank in the Americas Risk Department providing 2nd line of defense services to all business lines across Mizuho U.S. operations.
He is responsible for building out and overseeing the Operational Risk Management framework for a number of key risk domains including Third Party, Business Continuity, and Data Management. He developed the firm's Operational Risk Appetite Statement and leads the DFAST Operational Risk Loss Scenario Analysis process. Dominique also spearheaded the development of the firm's Key Risk Indicator Program.
Prior to joining Mizuho, Dominique has worked in similar capacities for some of the world's leading global banking institutions including Goldman Sachs, Morgan Stanley, Deutsche Bank and Citigroup. Dominique holds an MBA and a BS in Industrial Engineering from Rutgers University in New Jersey.
Co-Founder, EVP Research & Development
Jack is one of the foremost authorities in the field of information risk management. As the Chairman of the FAIR Institute and co-founder and EVP R&D at RiskLens, he continues to lead the way in developing effective and pragmatic ways to manage and quantify information risk. As a three time Chief Information Security Officer (CISO) with forward-thinking financial institutions such as Nationwide Insurance, Huntington Bank and CBC Innovis, he received numerous recognitions for his work, including: the ISSA Excellence in the Field of Security Practices award in 2006; a finalist award for the Information Security Executive of the Year, Central US in 2007; and the CSO Compass Award in 2012, for advancing risk management within the profession. Prior to that, his career included assignments in the military, government intelligence, consulting, as well as the financial and insurance industries. Jack is the author of FAIR, the only international standard VaR model for cybersecurity and enterprise technology. A sought-after thought leader, he recently published 'Measuring and Managing Information Risk: A FAIR Approach', which was recently inducted into the Cyber Security Canon as a "must read" within the profession, and is a regular speaker at industry conferences.
Head of Wholesale and Markets Risk Analytics
Head of Analytics and Research
Luke is Head of Analytics and Research at ORX where he leads many industry initiatives spanning Operational risk modelling and management. He is also responsible for delivery of a wide range of ORX information and benchmarking including Loss Data, ORX News and the Scenarios Program. Prior to Joining ORX Luke held a variety of positions in Banking, Technology and Academia. Dr Carrivick holds an MBA, PhD and M.A in Mathematics from Cambridge University.
Formerly PHH CORPORATION
Randy L. Herold is the President of Cyber Risk Advisors, a consulting group specializing in Board advisement and vCISO / CISO support. In his role, Randy helps organizations strategize, plan, and execute a comprehensive information security framework. He specializes in developing practical solutions that combine the vision of executive leadership with the need to ensure the security of the organization's assets.
Randy holds a degree in Computer Science and has over 25 years of information technology experience within the public and private sectors, the last 20 of which have been focused on information security, privacy, data protection, risk management and compliance.
Prior to founding Cyber Risk Advisors, Randy held technology leadership roles with PHH, Chubb, Coca-Cola Enterprise, Arbitron and multiple government defense contractors. He has received various technology related certifications and is a member of numerous security and technology professional organizations.
FEDERAL RESERVE BOARD
Ashish Dev is Principal Economist at the Federal Reserve Board. Prior to that Ashish was a Managing Director at JP Morgan Chase Risk Management. He has over 20 years' experience in enterprise risk management. Ashish is listed as one of the most published authors by Risk in its 20th anniversary issue. He has been recognized as one of the top faces of Operational Risk for making the field what it is today. Ashish has a PhD in Economics & Finance and holds the CFA professional designation.
SVP - Benchmarking & Survey Research, Office of the Chief Economist
Jane helped establish ABA's Operational Risk Data Sharing Consortium (the ABA Consortium) in 2003 to collect operational loss data by business line and event type. Jane continues to lead the discussion on loss reporting and classification issues. Jane currently oversees ABA's operational risk peer benchmarking programs. She runs ABA's Key Indicators Working Group, which analyzes and identifies effective KRIs for banks' material risks; the Scenario Analysis Working Group, which shares ideas and insights into developing forward looking scenarios for use in stress testing and risk management.
Jane and her team of analysts have tracked fraud trend and prevention leading practices for card, check, online, ACH, and mobile channels. She has presented various survey results at industry events.
Jane holds a Ph.D. in Economics from the University of Maryland, College Park.
Justin Huhn, CFA
Head of CCAR for Risk & US ICAAP
Justin Huhn, CFA sits within US Enterprise Risk Management (ERM) Function and is the Head of US ICAAP. In his role, Justin oversees the design, development and delivery of firm's US risk management framework, its legal entity risk identification and scenario design, including its linkage to risk strategy and appetite as well as regional risk monitoring and reporting on an on-going basis.
Prior to joining Deutsche Bank, Justin was the Americas' Risk Measurement Practice Leader for Moody's Analytics Enterprise Risk Management Division. In that role, Justin helped regional and global financial institution build bespoken credit and PPNR models for risk rating and stress testing. Before then, Justin was a Senior Manager within Accenture's Risk Management Consulting Practice and led the design, development and implementation of multiple global risk transformation programs for several of the world's largest financial institutions.
For 5 years prior to Accenture, as a Manager within PricewaterhouseCoopers' Risk and Valuation Advisory Practice, where he assessed and/or validated many of the firm's global FS audit and advisory clients' risk functions in the areas of: governance and organizational structures; people; risk frameworks and processes including the validation of market, liquidity and credit risk models; risk analytics and reporting capabilities; as well as supporting IT infrastructure. Justin started his career at Salomon Brothers (i.e., now Morgan Stanley Smith Barney) as a buy-side ALM and credit analyst creating tailored asset portfolios based on specific liability obligations for multibillion dollar institutional pension plans, endowments, foundations, and insurance portfolios.
He holds a MBA in Finance, Accounting and Entrepreneurship from NYU's Stern School of Business, a BA in Economics from the University of Pennsylvania, and is a Chartered Financial Analyst (CFA).
Global Head of Enterprise & Operational Risk Management
Enterprise Risk Management (ERM) at First Data is led by Lee Marks, Senior Vice President
Lee Marks joined First Data in 2015 where he has been charged with developing and implementing an innovative enterprise-wide risk management platform to support all of First Data's lines of business
Prior to joining First Data, Lee's positions include Global Head of Operational Risk Management for Wealth and Investment Management, Operations and Finance at Morgan Stanley and 8 years at Barclays including Head of Operational Risk for Wealth Management in the Americas, Head of Operational Risk and COO for the Middle East and North Africa, and Global Head of SOX for Wealth Management based in London
Prior to Barclays, Lee held a number of key roles primarily as a finance professional in the banking and insurance sectors
Mr. Marks earned a BA degree in Business and Finance from Southampton University in the UK and is series 7 qualified
Managing Director – Risk Officer, Liability and Financial Lines Enterprise Risk Management
Anthony Shapella serves as the Risk Officer for Liability and Financial Lines (LFL) at AIG. Anthony's team designs and implements tools to identify, assess, measure and manage risks in the LFL business. Anthony's team specializes in assessing complex, hard-to-model, man-made catastrophe risks such as industrial accidents, mass torts and casualty clash events. The team also leads AIG's assessment of cyber insurance aggregation and catastrophe risk, and has built several industry-leading tools including an aggregation visualization app and cyber scenario model.
Prior to AIG, Anthony worked for Towers Watson where he led consulting engagements with large global companies. Anthony's consulting work focused on helping executives improve their Enterprise Risk Management frameworks and practices, as well as bolstering risk modeling capabilities.
Anthony graduated magna cum laude with Honors from Mount Saint Mary's University and received an MBA with Honors from Temple University's Fox School of Business.
When he isn't working, Anthony loves to surf, fish, read and seek out great coffee, food and craft beer. He lives in New Jersey with his wife and three children.
Business Line Risk Officer, Investments and Trading, Enterprise Risk Management Office
T. ROWE PRICE
Ted Carter is Head of Risk for Global Trading & Investments at T. Rowe Price. Ted supports the Chief Risk Office through the implementation of the firms Enterprise Risk Management program. Ted's territories include US, London, Singapore, Australia, Hong Kong and Tokyo. Ted actively works with the business to identify, assess and monitor different aspects of corporate risk including but not limited to (strategic, operational, regulatory, emerging & business performance risk)
Prior to joining T. Rowe Price Ted was the Chief Risk Officer for PHH Corporation as well as head of Operational Risk Management for Fannie Mae.
Ted has a Master of Science from Carnegie Mellon School of Public Policy and Management; a Bachelor of Science in Communication from Howard University.
Daniel De Juan
Director of Product Management
Daniel De Juan leads Rsam's product management team. He specializes in developing best practices to automate risk and compliance processes to help organizations bridge silos, create efficiencies, mitigate exposure and demonstrate compliance. Prior to Rsam, Daniel was a product leader at Wolters Kluwer. He holds certifications in CCEP, GRCP and Pragmatic Marketing. Daniel is a frequent speaker at Rsam events and webinars.
Rsam Client Partner
Andrew has been involved in technology for over 27 years, with 20 years in security, risk and compliance. In his role as Client Partner with Rsam he consults with client CISOs and risk teams to help drive integrated risk management strategy. Prior to Rsam, Andrew has significant experience in the development and deployment of risk and security frameworks, risk management methodologies, technology governance, and technical security infrastructure. He has led governance and risk strategy for a major multi-national financial services firm, and consulted with a wide range of organizations and industries.
Alexander Brash is a Principal in EY's analytics practice, focusing on banking and capital markets institutions. He has over a decade of experience applying analytics to client challenges in cyber security, operational risk management, cost efficiency, regulatory compliance, and recovery and resolution planning. He serves on EY's leadership team for a US based GSIFI institution, and leads EY's US analytics recruiting efforts for financial services.
Alexander has recently led the development of the machine learning and advanced analytics program at a large capital markets institution. This includes both the use of these techniques to make the function more efficient, as well as the steps the function needs to take to respond to the use of these techniques in the business. He has also led the development of the operational risk metrics program at a US based GSIFI. This included a top operational risk methodology, metric selection and maintenance process, taxonomy rollout, scenario analysis integration, and capital planning integration. He regularly assists and advises with strategic decisions at the Board level, as well as directly advises clients on their regulatory strategy
Vice President Operational Risk
Shelly Martin is a Vice President in Enterprise Risk Management at State Street Corporation where she is responsible for Operational Risk Management programs, including the Scenario Analysis, Risk and Control Self-Assessment (RCSA), and Key Risk Indicator (KRI) programs. She also is responsible for the firm's Operational Risk issues management and remediation effort. Additionally, Shelly oversees State Street's Risk and Control Taxonomies. Prior to State Street, Shelly held positions in Market and Operational Risk at Morgan Stanley based in New York. Previously, Shelly managed risk for Department of Defense satellite communication programs with Booz Allen Hamilton. Shelly currently serves as a Major in the United State Air force Reserves.
Risk Quantification and Modelisation Expert
Clementine is an engineer with 10 years experience in risk management.
She is passionate about methodology, risk quantification and modelisation.
She implemented the risk framework and managed risks for the first home loan project at ING Bank France. She worked for BNP Paribas in France, and in the energy industry for PG&E in the US before joining MStar Risk Modelling in 2017.
Thomas Lee PhD
CEO and co-founder
Thomas Lee PhD, is a co-founder and CEO of VivoSecurity Inc. His interest in risk quantification stems from his extensive experience in IT, software development and hardware design, combined with a strong background in applying novel computational techniques to biological problems. He has a PhD and MS in biophysics from the University of Chicago, a BS in physics and a BS EE from the University of Washington. Thomas has numerous patents, and publications in peer reviewed journals, and co-authored a section in Doug Hubbard's recent book "How to Measure Anything in Cybersecurity Risk".
Managing Director - Operational Risk Capital & Analytics
Nedim Baruh leads the Operational Risk Capital and Analytics function at J.P. Morgan Chase ("JPMC") and is responsible for the Operational Risk Capital and Stress Testing processes.
Most recently, Nedim has been leading JPMC's effort to enhance its Scenario Analysis program by developing factor based models to assess its material risks. This work will help JPMC bridge the gap between operational risk measurement and management.
Prior to joining JPMC, Nedim was part of the Algorithmics Operational Risk advisory function and led many client engagements in the operational risk space.
Nedim has a B.S. in Economics from the University of Pennsylvania.
Managing Director, Head of Risk Supervision
SG CORPORATE & INVESTMENT BANKING
Michele's career at Société Générale began in 1993 and has held positions in Internal Audit, Investment Banking Division, managed multiple teams within the Operations Division, Head of Operational Risk and currently is Head of Risk Supervision for the Americas.
Michele was appointed as Head of Risk Supervision in July 2016 reporting to the Chief Risk Officer. She is responsible for defining the strategic goals, missions, day-to-day management of Operational Risk Management, Data and Technology Risk, Third Party Risk Management, Cyber Security Risk Management and Global Risk Monitoring teams in order to promote a secure, profitable and sustainable platform.
Michele received a Masters in Finance from the St. Joseph's University, Philadelphia, PA and a B.S. in Accounting from St. Joseph's University. Michele has successfully obtained series 99 regulatory license.
Head Of Operational Risk
Michael J. Colasso serves as the Head of Operational Risk at SunTrust Banks. Inc, in Atlanta, GA and his team is responsible for the enterprise operational risk framework, including designing enterprise-wide risk assessment and control testing programs and supporting the Governance, Risk and Compliance (GRC) systems. Prior to joining SunTrust, Michael served as a large bank senior examiner Federal Reserve Bank (FRB) of Atlanta and spent the majority of that time leading examinations to evaluate mortgage servicing operations, enterprise operational risk programs, internal audit, and third party risk management frameworks against the requirements of supervisory guidance. Michael previously held roles at public accounting and financial institutions, where he focused on forensic auditing and core P&L accounting. He is a graduate of Emory University in Atlanta, GA where he received both the John R. Jones and the Ben Pius Accounting awards. He is a Certified Public Accountant, Certified Fraud Examiner and Commissioned Safety & Soundness Bank Examiner.
SVP Innovation, Governance & IT Risk Managemen
Chief Anti-Money Laundering Officer
Stuart Davis currently serves as the Enterprise Chief Anti-Money Laundering Officer for BMO Financial Group since 2013 and is based in Toronto, Canada. He has over 27 years of banking and regulatory experience, including five years as the Enterprise Bank Secrecy Act and Sanctions Officer for USAA in San Antonio, Texas. Previously he led global AML programs and product support for the payment services segment of First Data Corporation, which included Western Union Financial Services, Inc. and the AML/Sanctions compliance program across Capital One's North American portfolio of consumer and commercial products and services. Mr. Davis began his career with the Office of the Comptroller of the Currency. Mr. Davis also has been an industry speaker on various AML topics, including risk management and integrating technology and fraud programs.
Mr. Davis has an honors degree in Economics from the University of Georgia. He currently serves on the board of governors for Junior Achievement Central Ontario, and as the chair of the Toronto chapter of the Association of Certified Anti-Money Laundering Specialists.
COO, Managing Director
Elisabeth is Managing Director in AIG Investments. In her current role, she works extensively with AIG's Investment Technology teams to direct and prioritize technology and infrastructure initiatives effecting the Investments group. Additionally, she is responsible for Investment's International Governance program. Elisabeth joined AIG in 2012 and was the Chief Operating Officer of AIG Markets. Prior to joining AIG, Elisabeth was Credit Suisse's primary liaison with the Federal Reserve Bank of New York. She has project management, technology, governance, and control experience from both Credit Suisse and Accenture where she was a Senior Manager in the Financial Services practice.
Elisabeth has her B.S. in International Business from Fairfield University.
Subject Matter Expert, AML
Ted Sausen is a Subject Matter Expert within the NICE Actimize AML Line of Business. His role focuses on ensuring the Actimize AML technology solutions align with regulator expectations and the needs of the customer. He has over 25 years of experience implementing global enterprise solutions across multiple industries including high tech, financial, transportation, and manufacturing, supporting engineering, finance, supply chain, product safety, and regulatory compliance. Prior to joining Actimize, Mr. Sausen was a Senior Vice President at The Northern Trust, leading the Global Compliance Analytics and Technology group. His role focused on implementing strategic solutions to fight financial crime, and supporting Global Economic Sanctions, AML Framework and Advisory, and the Financial Intelligence Unit. Ted is CAMS certified.
SVP, Managed Services and Regional Head of Professional Services
Nick Smith joined SmartStream in 2017 and is responsible for the Managed Services business.
Nick brings with him 25 years of experience in the financial services industry, with extensive experience in process management, solution development, managing risk & control and development of centres of excellence.
Prior to joining SmartStream, Nick held a range of senior roles with leading investment banks, including Barclays, Credit Suisse and Nomura.
Lee Anne Milhiser
Vice President, Head of Global Enterprise Risk Management
Lee Anne Milhiser joined Nasdaq as the VP / Head of Global Enterprise Risk Management in January 2017. She currently leads the Group Risk Management team in managing and continuing to enhance the Enterprise Risk Management, SOX , Business Continuity, Crisis Management, and Corporate Insurance frameworks and programs. Lee Anne has over 20 years of experience in designing and implementing operational risk management programs in the banking, insurance, and financial services industries, as well as building globally diversified teams. She has held senior positions at Donaldson, Lufkin & Jenrette, Deutsche Bank, Morgan Stanley, MF Global and AIG. Lee Anne earned her undergraduate degree at Lehigh University and MBA at Fordham University.
Executive Vice President, Chief Risk Officer
Peter serves as Ocwen's Executive Vice President and Chief Risk Officer. He is responsible for designing and operationalizing Ocwen's current Enterprise Risk Management Program unifying policy, risk appetite, governance and reporting across the enterprise. He is responsible for all second line risk monitoring and assessment activities related to operational risk, third party oversight, information security, business continuity, market risk, liquidity risk, credit risk and model risk. Peter chairs Ocwen's Enterprise Risk Committee. Prior to joining Ocwen, Peter held positions with Santander Consumer, USA, including Chief Operational Risk Officer and Chief Risk Officer. As CORO, he had responsibility for the Operational Risk, Third Party Risk, Business Continuity and Information Management Programs with the primary focus to mature the disciplines to align with the parent's expectations. From 2009 to 2014, Peter held various leadership positions with JPMorganChase including the role of Chief Control Officer for their global consumer operations. Prior to that he served as Chief Risk Officer for ThinkCash, as well as the Nationwide Bank, a subsidiary of Nationwide Insurance. He holds a Bachelor of Arts degree in Economics from Princeton University and has done graduate work at SMU and the Ohio State University. He is fluent in German and is active in the Risk Management Association, currently serving on the ORM Council.
VP Cyber Risk Strategy
Jerry Caponera is the VP Cyber Risk Strategy at Nehemiah Security where he leads the effort to quantify cyber risk in financial terms. Prior to Nehemiah he founded PivotPoint Risk Analytics which focused on cyber risk quantification through value-at-risk modeling and simulations. Jerry has a broad background in cyber, having worked for incident response, malware analysis, and services companies. He has spoken at a number of conferences worldwide including ISS World MEA in Dubai, InfoSecurity Russia in Moscow, and TM World Forum in Nice, France. He holds an MBA from the University of Massachusetts, an MS in Computer Science from the University of Pennsylvania, and a BS in Electrical Engineering from the University of Buffalo.
Head of Outsourcing & Supplier Risk- Americas
• Risk Controller 2nd LOD, Outsourcing approver, regulatory liaison, and project manager for regulatory remediation.
• Advise and provide support across the full range of risk management lifecycle activities
• Outsourcing & Supplier Risk interface to major programs, projects, and governance and resiliency forums.
Prior to UBS
• North American Practice Lead - Wipro Consulting - Business Intelligence & Information Management
• Consultant for KPMG / KPMG Consulting / BearingPoint for 10 years delivering large process improvement, compliance, and regulatory remediation projects
• Certified Anti Money-laundering Specialist
• Six Sigma Green Belt
Executive Director - Global Head of Supplier Assurance Services
JPMORGAN CHASE & CO
Chris is an experienced leader with a focused background in Cyber operations and strategy, as well as Technology risk and controls. In his role as head of Supplier Assurance Services at JP Morgan Chase Chris leads a program that oversees external supplier assessment and risk identification for the firm across various risk domains including: cybersecurity; technology; operations and service category specific risks.
His responsibilities include maintaining a global, firm-wide program surrounding Suppliers and risks posed by outsourcing services to them, as well as ownership of the Third Party Cyber product portfolio. This includes the strategy along with maintaining proper program alignment to the risk posture of the firm in regards to external relationships across all other Cyber products inclusive of key areas such as: technology risk and controls, identity and access management, supplier oversight and assurance, cybersecurity and data usage strategy.
Managing Director, Head of ERM Framework & Governance
Matt Sulkey is a Managing Director in Enterprise Risk Management and responsible for the ERM framework and governance of Operational Risk Management processes. Matt joined TIAA in July of 2012 from Ernst & Young where he spent 8 years advising and providing a variety of governance, risk, and compliance services. In his last role at EY he was responsible for assisting in the development and roll-out of Ernst and Young's GRC technology enablement methodology. In this role he led several implementations across multiple industries.
Matt's responsibilities with TIAA-CREF are focused on the design and implementation of the ERM framework; specifically focused on business area RCSAs, Corporate Business Continuity, Enterprise Crisis Management, Enterprise Issue Management, Supplier Risk Management, KRIs, oversight of risk based incentive compensation, and maintaining the existing ERM risk infrastructure. As part of these responsibilities, he serves as the chair of the enterprise Operational Risk Management Committee and leads the strategic implementation of the Archer GRC platform to support risk and compliance management processes.
He holds a Bachelors of Science in Business Administrations, with a concentration in Accounting and a Master of Science in Accounting with a concentration in information system. Both degrees are from the University of North Carolina-Wilmington.
Expert consultant for operational risk modelling and quantification (banks, insurance, energy).
Project Manager for many projects in operational risk modelling, machine learning, data modelling, bayesian networks, etc.
Risk Quantification: Management, Diagnosis and Hedging
Laurent Condamin, Jean-Paul Louisot, Patrick Naïm
Wiley, London, Dec 2006
GRC Solutions Director
Senior Bank Examiner, Operational Risk Governance, Financial Institution Supervision Group
Federal Reserve Bank of New York
Rick is a Senior Bank Examiner. He joined the Operational Risk Governance unit at the New York Fed in December, 2011 in the Financial Institutions Supervisory Group (FISG).
Rick began his career as a municipal finance attorney, then joined J.P. Morgan & Co., where played a variety of roles in markets and investment banking. In the late 1990s, Rick joined J.P. Morgan's original operational risk development team. There, he was responsible for framework development tasks and loss data collection and reporting systems. While at J.P. Morgan, Rick chaired the IIF subcommittee that drafted the finance industry's recommendations for Basel II event type categories, and later participated in the definition of loss data recording standards for the Operational Risk data eXchange (ORX). Before joining the Fed, Rick was an operational risk framework consultant for RiskBusiness International, designing customized taxonomic models and structured risk management programs for institutional clients.
Rick has been a writer, speaker and business school instructor on operational risk topics. He received a B.A. (Economics) and M.A. (Organizational Behavior) from Yale University, and a J.D. from University of Connecticut School of Law (Law Review, lead articles editor).
Managing Director- Group Operational Risk Management & Business Continuity
Aengus Hallinan is Managing Director and Global Head of IB Operational Risk at Credit Suisse, based in New York where he is also Regional Head of Operational Risk for the Americas. Mr Hallinan joined Credit Suisse in May 2014. Prior to that he worked for 19 years at UBS in a variety of roles in Equities, most recently as Managing Director and Chief Operating Officer for Global Equity Derivatives. Mr Hallinan began his career at Swiss Bank Corporation in London and has substantial international experience having been based in London, Tokyo, Hong Kong and New York.
Managing Director- Global Head of Institutional Clients Group Operational Risk Management
Deborah Hrvatin is a Managing Director and the Global Head of Institutional Clients Group (ICG) Operational Risk Management at Citigroup, reporting to the ICG Chief Risk Officer. Deborah is responsible for improving risk management, strengthening controls, and enabling profitable growth within risk appetite. Deborah joined Citigroup in July 2017 from Deutsche Bank where she most recently was Managing Director and Head of Operational Risk for the Americas and the Global Corporate Finance division. During her 21 year tenure at Deutsche Bank, Deborah held numerous other roles including Head of Operational Risk for the Corporate Banking and Securities division where she was responsible for developing and implementing the division's operational risk management, supervision and information security framework. Deborah also held leadership roles within the business, including Chief Operating Officer for Deutsche Bank's Global Securitization Group.
Prior to joining Deutsche Bank in 1999, Deborah was an Equities Controller with Bankers Trust Company and also served as a Commissioned Bank Examiner with the Federal Reserve Bank of New York.
Deborah received her BBA and MBA in International Finance from Hofstra
Chief Risk and Compliance Officer
Joshua Kotok is the Chief Risk and Compliance Officer at First Savings Mortgage Corporation. Joshua is an accomplished executive with demonstrated performance in leading operational and technology risk management and compliance initiatives. In addition, Joshua has identified and assessed operational and information technology risk from the regulatory and audit perspectives.
Prior to joining First Savings Mortgage Corporation, Joshua was the lead examiner for ongoing monitoring and targeted examinations of Freddie Mac's Operational Risk program for the Federal Housing Finance Agency (FHFA). Joshua also served as the Senior Manager of Operational and Technology Risk for the Making Home Affordable program where he led the development of the ORM framework and all supporting components. Joshua also has prior experience as a Big Four management consultant where he led several engagements for Financial Services clients specializing in operational, technology and compliance risk reviews, governance and supporting technology implementation (GRC).
Joshua holds a Bachelor of Science degree in Information Systems from Florida State University. Joshua is a Certified Fraud Examiner (CFE) as well as a Certified Information Systems Auditor (CISA). In addition, Joshua has held numerous industry association board positions including serving as the President and Education Director of the ISACA South Florida chapter and Vice President of the iCoast CIO council. Joshua is also a past presenter for the Global Association of Risk Professionals (GARP) and the Operational Risk North America conferences.
Dolores (Lori) Miller
Dolores (Lori) Miller Managing Director, Head of Operational Risk
Dolores (Lori) Miller, CFA is Managing Director, Head of Operational Risk for AIG Investments. Lori is responsible for executing the Operational Risk framework for Investments including RCSAs, risk assessment, and governance. Lori works to promote a proactive risk culture through key processes around new business, model risk, and risk event reporting.
Prior to joining AIG, Lori was Head of Client & Operational Risk for Deutsche Bank GTB Americas region with responsibility for the development and implementation of methodologies, processes, and tools to measure, report, and mitigate key operational risks and emerging risk. Prior to Deutsche Bank, Lori was the Head of Bank Operational Risk Oversight for the Americas region at Credit Suisse. Before her Operational Risk roles, Lori was Managing Director and Head of Asset Management at AMBAC; head of Taxable Fixed-Income portfolio management at American Express; and was a private placement portfolio manager with AIG. Lori has her Bachelors in Finance and her MBA in Finance from The Ohio State University, and is a CFA.
Head of Operational Risk
Ivan is a seasoned Risk Manager, with diverse Business and Geographical experiences.
Ivan is currently VP at Guardian Life of America, where he leads the firms Operational Risk function. He is a member of the Corporate Risk Committee and is also responsible for Third Party Risk and Business Resiliency. More recently he was Chief Operational Risk Officer at Santander Bank US Holdings, where he had responsibility for the Operational Risk, Third Party Risk, Business Continuity and Information Management Programs. His primary focus at Santander was developing a Risk program in preparation for the Regulatory CCAR exam.
Prior to his role at Santander he was at GE Capital for close to four years as Managing Director-Head of Enterprise and Operational Risk for GE Capital Americas. In this role he had responsibility for Operational Risk, Governance, Risk & Control Assessments and Records Management. His primary objective was to develop a program that would make meaningful impact towards a cultural shift in Operational Risk Management.
Before GE he was at Citigroup for close to 21 years in multiple roles. His last role at Citi was as Global Head of Operational Risk for the Consumer and Commercial bank and was directly accountable for defining the framework and strategy for Operational Risk and in preparing the Bank for Basel AMA Compliance.
During the period of 2003-2010, Ivan held several roles in Europe and the Middle East, first as Audit Director for the Consumer Bank (based in Belgium), then as Country Risk Officer for Spain (based in Spain) and also Regional Credit Officer for Spain and Portugal. As a Senior Credit Officer he successfully managed the prelude and 1st phase of the economic crisis in Spain and Portugal.
Prior to his time in Europe, Ivan was with Banco Santander in Sao Paolo Brazil, where he was Business Manager for the Mid-Small Market segment. Other roles include Citi Bank CRO in Brazil, Venezuela and Colombia.
Ivan is married with 2 children. He is an Economist with an MBA and also holds degrees from Duke University and the London Business School. He is fluent in Spanish and Portuguese.
Jodi L Richard
SVP, Chief Operational Risk Officer
Jodi Richard is Senior Vice President and Chief Operational Risk Officer at US Bank. Jodi leads the Operational Risk Management (ORM) function, which includes core Operational Risk Policy and AMA Framework components, Corporate Operational Risk programs and risk oversight functions . These include, Disaster Recovery / Business Continuity, Third Party Risk Management, Business Change and Product Due Diligence, Privacy compliance, Fraud Risk Management, Payments Risk, Enterprise Complaint Management, Physical Security and Executive Protection, Crisis Management, and Fraud investigation operations. The ORM function also is responsible for independent risk oversight of Information Technology Risk, Information Security Risk, and Data Governance which are centrally managed in the Technology and Operations Services support function.
Prior to joining U.S. Bancorp, Jodi was Executive Vice President and Head of Operational Risk and Internal Control for HSBC North America; where she led Operational Risk Management, AMA capital modeling, Risk-Based Incentive Compensation Program, Product Due Diligence, Enterprise Policy, Control Issue Management, Fiduciary Risk Management, and the enterprise risk heightened standards program. Jodi was with HSBC for 11 years, and served in other enterprise Risk roles including Head of Risk Governance and Administration, and Director of Regulatory Compliance. Prior to joining HSBC Jodi spent 12 years with the Office of the Comptroller of the Currency (OCC) where she served as National Bank Examiner specializing in retail credit and credit card bank supervision. Jodi was Chief Compliance Officer for Sears National Bank in between two periods with the OCC.
Jodi is an active member in industry groups, and serves as a member of RMA's Operational Risk Council, Chairman of the AMAG Steering Committee, and is a featured speaker at risk management conferences. Jodi serves on the Board of Directors of the Operational Risk Exchange (ORX). Jodi is a graduate of Leading Women's Executive program and was part of the American Banker's Most Powerful Women in Banking -Top Team Award in 2013 and 2015.
Jodi holds a B.A. in Finance from the University of Northern Iowa.
VP and Chief Information Security Officer
Frederick Spencer (Fred) has an extensive background in software development, cyber security and operational risk management practices, business and data architectures, quality assurance and global regulatory frameworks. Fred is currently the Chief Information Security Officer and head of IT Risk Management at Everest Re.
Fred was most recently was the head of Data and IT Risk Management at Societe Generale where he established and guided operational risk, Cyber Risk and IT Risk oversight. Prior to joining Societe Generale, Fred was a Senior Examiner with the Federal Reserve Bank of New York (FRBNY) with responsibility as the primary IT Risk Supervisor assigned to AIG where he led examinations and monitored the firm's IT and risk programs including: cyber security, data governance, board and senior management oversight, software development, architecture, infrastructure and digital transformation activities. Prior to joining FRNBY, Fred was the global head of IT and Operational Risk Program Management at Bank of America/Merrill Lynch. There, he led the creation of a new/improved operational risk taxonomy and initiated the transformation program towards a new/improved industry leading operational risk platform. Prior to this role, Fred spent 20 years at JP Morgan Chase where he held roles various roles over time including: global Chief Technology Officer for operational risk IT risk and vendor risk, head of risk and finance data management, head of FDIC/regulatory infrastructure, and chief business technologist of the credit risk analysis, and head of data warehousing architecture.
Fred is a frequent lecturer at industry forums on an array risk management and data topics and has contributed to two risk management related patents. Frederick holds an MBA in Finance/MIS from Fairleigh Dickinson University and recently earned CRISC, CGEIT and ICBRR industry certifications.
Head of Cyber Risk
SOCIETE GENERALE CORPORATE AND INVESTMENT BANKING - SGCIB
Kathleen M Stack
Senior Vice President, Operational Risk
HSBC NORTH AMERICA