OpRisk North America

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.

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.

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

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.