Rich Baich is Wells Fargo’s chief information security officer. In this role, he oversees information security strategy and governance, identity and access management, security engineering, line-ofbusiness engagement, and cyber defense and monitoring.

Prior to joining Wells Fargo in 2012, Rich was a principal at Deloitte & Touche, where he led the Global Cyber Threat and Vulnerability Management practice. Rich’s other security leadership roles include serving as naval Information Warfare Officer for the National Security Agency, senior director for professional services at Network Associates (now McAfee), and, after 9/11, special assistant to the deputy director for the National Infrastructure Protection Center at the Federal Bureau of Investigation. Rich retired after more than twenty years of military service.

In 2005, Rich authored Winning as a CISO, a leadership sourcebook for security executives. In 2015, Rich authored a chapter on collaboration and communication between technical and nontechnical staff and executives in Navigating the Digital Age: The Definitive Cybersecurity Guide for Directors and Officers.

Rich received the “Information Security Executive of the Year in Georgia” award in 2004 for his security achievements and pioneering leadership. He served as chair for the Financial Services Sector Coordinating Council from 2016 to 2018 as well as an advisor for the 44th and 45th President’s Commissions on Cybersecurity. In 2018, he was appointed as a member of the National Infrastructure Advisory Council by the President of the United States. He also serves on the Strategic Advisory Board of the International Consortium of Minority Cybersecurity Professionals.

Rich holds an MBA and a master of science degree in management from the University of Maryland University College, as well as a bachelor of science degree from the United States Naval Academy. Rich is also a Joint Forces Staff College and Naval War College graduate. He qualified as a Cryptologist and an Information Warfare Officer while holding numerous security industry certifications.

Paul Barkan is Senior Vice President, Chief Risk Officer of Newtown Savings Bank and joined the Bank in 2016. He is responsible for leading the Risk Management, Compliance and Anti-Fraud units and has held various financial-related positions in Compliance and Risk Management during the course of his career.

Mr. Barkan earned a B.A. from Binghamton University in 1990 and a J.D. from American University in 1993. He is currently a member of ACAMS and has extensive experience in project management, data privacy, regulatory compliance, crisis management, AML-KYC due diligence, risk assessments, monitoring and testing, and employee training.

Jay Cook joined Lloyd’s Bank in January 2013 as Chief Risk Officer for North America and assumed additional responsibility for Europe and Asia in 2016.
Jay has over 30 years of industry experience and joined from RBS, where he had worked for the last four years in a variety of senior roles including Chief Risk Officer of RBS Americas, Citizens Financial Group and RBS NV Americas where he had responsibility for all aspects of risk management including credit, market, operational, regulatory, compliance, BSA/AML, risk analytics and quality assurance.
Prior to his time at RBS Jay had a number of senior roles at Citigroup, Canadian Imperial Bank of Commerce and Lehman Brothers.

Scott is the Chief Operational Risk Officer at People’s United Bank N.A.; a northeast based regional financial services company with over $40 billion in assets, offering commercial, retail, insurance, and wealth management services.

Scott is a licensed attorney, who holds a Bachelor’s Degree, Graduate Certificate in Tax, and Juris Doctorate from the University of Connecticut.

In his role, Scott is responsible for Operational Risk, Privacy, and Model Validation at People’s United Bank.

Scott has over fifteen years’ experience in Risk Management and has developed and implemented Operational and Enterprise Risk programs for domestic and international investment banking, capital markets, commercial banking, retail banking, and alternative assets organizations.

Jennifer Kim is the deputy Chief Risk Officer of Hyundai Capital America since 2017. She is overseeing Consumer and Commercial risk department including Credit risk management, Anti-Fraud, Operational risk management, statistical modelling and model governance, Enterprise information protection and Enterprise Data management. She brings with 20 years of financial services experiences including more than 15 years in Risk management. Prior to current role, she worked in Hyundai Capital HQ, Korea and various GE Capital businesses including America, Singapore, Japan and Asia HQ.

Matt Macia joined TIAA as the Bank Chief Risk Officer in January 2014. In his current role, he is responsible for leading the risk management practice at TIAA’s banking operation.

Matt has over 24 years of combined banking and risk management experience. He began his career at Providian in San Francisco working in their consumer lending business as a quantitative analyst and product manager. Thereafter, he spent seven years as a Director of Risk Management for several lines of businesses within HSBC Americas.

He was a Senior Vice President, Director of Risk Management at Wachovia for 10 years covering their auto, credit card, commercial card and small business portfolios. He also led their model development and validation team. Immediately prior to joining TIAA, Matt was the Enterprise Risk Executive covering deposits and small business lending for Bank of America.

Matt lives in Weddington, NC with his spouse of 20 years, Lisa, and their two children Morgan and Joey. He holds a B.A. in Economics from Fresno State University and completed his postgraduate study at the London School of Economics in London, U.K.

As Chief Risk Officer for Scotiabank, Daniel Moore is responsible for global management of risk, including enterprise, credit and market risk. Prior to his appointment in April 2017, he was Executive Vice President and Chief Market Risk Officer.

Daniel is a member of the Bank’s operating committee, senior risk policy, asset liability committee, market risk, and credit committees.

Daniel joined Scotiabank in 1997 and has held progressively senior roles in Toronto, Europe and Asia. Prior to becoming Chief Market Risk Officer in 2016, Daniel ran the Global Banking and Markets business in Asia-Pacific. He brings a strong focus in developing risk management strategies that align with the Bank’s risk tolerance, business objectives and customer focus.

Daniel holds a D. Phil. in Theoretical Physics from Oxford University and a B.Sc. from Queen’s University.

He and his wife Deborah have three daughters.

Frank Morisano is Chief Risk Officer at the Industrial and Commercial Bank of China (ICBC) overseeing the operations and legal entities through which the bank operates in the USA.
Before ICBC, he spent over a decade in China leading Financial Services Advisory practices at Ma Lee Advisory and PwC Consulting. The earlier part of his career was spent in senior risk management, strategy, M&A, and liquidity management positions at JPMorgan Chase, Bank of America, Capital G Bank, and General Motors Acceptance Corporation. He is credit trained from the Chase Manhattan Bank, holds a M.Sc., Information Systems, and a B.B.A., Statistics.

Adrian is the Managing Director and Chief Technology Risk Officer (CTRO) at BNY Mellon. As the senior-most Technology Risk Management executive, he is responsible for comprehensive oversight of information risk for the company. The technology risk organization collaborates with a wide range of internal and external clients to drive quality oversight and management of technology and the associated operational risks within the business. Amongst the leadership teams Adrian participates in, he chairs the Technology and Information Risk Committee that is responsible for driving quality technology risk and policy related decisions across the organization.

Adrian has over 20 plus years of information risk experience. Previously, Adrian was the CISO at Bridgewater Associates. During his 7 year tenure with Bridgewater Associates, Adrian was responsible for establishing the security risk vision, and executing the program transformation from the ground up. Reporting into the CEO’s he ensured that intellectual property and trades were protected and secured at all times. Prior to Bridgewater he was a Principle and head for Neohapsis (now Cisco’s Security Consulting Services), where he developed global information risk mgmt. and security programs for a wide range of Fortune 100 and government organizations. His experience includes information security organization transformation, cloud strategy development and execution, security technology innovation, and security community advancement.

Mr. Peters has held a variety of technical cyber security certifications over the course of his career, received his MBA in Finance and Accounting from DePaul University, and holds an undergraduate degree in Information Systems.

John Schiavetta is Deputy Chief Risk Office for AB, overseeing aspects of risk management to ensure that risks being taken are well understood and appropriately managed. Schiavetta joined AB in 2008 as Director of Risk Management with responsibilities for Fixed Income Risk, Liquidity Risk, Counterparty Risk and Valuation. Previously, he was at Fitch Ratings for 15 years, most recently as group managing director responsible for managing the agency’s global structured credit-ratings group. Prior to that, Schiavetta was product manager at the pension-consulting firm CDA Investment Technologies. He began his career at the Dreyfus Corporation. Schiavetta holds a BA in economics from Bates College and is a CFA charterholder. Location: New York

Paige Wisdom is a dynamic financial services executive with over 25 years of experience as a CFO, CRO, and capital markets professional at both large public companies and mid-sized private companies. She has a “roll up your sleeves” work ethic and is astute at solving complicated financial and business problems while delivering bottom-line results

Paige’s career reflects a demonstrated track record of leading high performance teams and driving results through the development of successful financial strategies, decision-making based on data and metrics, optimization of financial and risk processes, and engagement of teams. Paige’s financial expertise has helped companies navigate through significant M&A, financial market, organizational, and regulatory changes. She has built collaborative relationships with CEOs, executive teams, board of directors, regulators, auditors, rating agencies, and investors.

Paige currently serves on Morgan Stanley Bank N.A.’s board of directors where she is chair of the Operations and Technology Committee and a member of the Risk Committee. She had also served as a member of the Audit Committee. During her three years on the board, the bank has grown assets ($130 billion) and improved profitability ($4 billion revenue) in a rigorous regulatory environment.

For the past three years, Paige has been the CFO of non-bank, early-stage financial services companies funded by VC/Private Equity, including Exeter Finance, a $3 billion asset subprime auto finance company owned by Blackstone and Renovate America, a leader in $2.8 billion of ABS PACE energy financing and currently Renew Financial. In these roles, she has been responsible for the financial strategy, planning, reporting and analysis, treasury, investor relations, and financial controls, resulting in IPO readiness through improved core earnings and stronger financial controls.

During the 2008 financial crisis, Paige took on the important role of Chief Enterprise Risk Officer at Freddie Mac where she was responsible for the management of credit, market, model, and operational risk as well as building the risk framework and governance for the $2 trillion company. In that role, she supported the recovery of $16 billion through resolution of legacy issues, led the development of industry counterparty risk management standards for mortgage insurers, and worked closely with the government regulator and US Treasury Department to assess the impact of risk decisions in order to conserve company assets while minimizing disruption to the US financial markets.

Previously at Bank of America, Paige was CFO of the $11 billion revenue Global Business and Financial Services business unit which was comprised of all of Bank of America’s commercial business. She was also the CFO of Technology, Service and Fulfillment which was $10 billion in expenses and $1 billion in enterprise initiatives.

Paige’s has extensive experience in credit portfolio management at both Bank One and UBS. She maximized the return of Bank One’s $125 billion lending portfolio through the use of trading and hedging strategies as well the development of an innovative CLO structure for leveraged loans.

Paige holds an MBA from The University of Chicago Booth School of Business and a BS in math and computer science from the University of Illinois, Chicago.

Rich Baich is Wells Fargo’s chief information security officer. In this role, he oversees information security strategy and governance, identity and access management, security engineering, line-ofbusiness engagement, and cyber defense and monitoring.

Prior to joining Wells Fargo in 2012, Rich was a principal at Deloitte & Touche, where he led the Global Cyber Threat and Vulnerability Management practice. Rich’s other security leadership roles include serving as naval Information Warfare Officer for the National Security Agency, senior director for professional services at Network Associates (now McAfee), and, after 9/11, special assistant to the deputy director for the National Infrastructure Protection Center at the Federal Bureau of Investigation. Rich retired after more than twenty years of military service.

In 2005, Rich authored Winning as a CISO, a leadership sourcebook for security executives. In 2015, Rich authored a chapter on collaboration and communication between technical and nontechnical staff and executives in Navigating the Digital Age: The Definitive Cybersecurity Guide for Directors and Officers.

Rich received the “Information Security Executive of the Year in Georgia” award in 2004 for his security achievements and pioneering leadership. He served as chair for the Financial Services Sector Coordinating Council from 2016 to 2018 as well as an advisor for the 44th and 45th President’s Commissions on Cybersecurity. In 2018, he was appointed as a member of the National Infrastructure Advisory Council by the President of the United States. He also serves on the Strategic Advisory Board of the International Consortium of Minority Cybersecurity Professionals.

Rich holds an MBA and a master of science degree in management from the University of Maryland University College, as well as a bachelor of science degree from the United States Naval Academy. Rich is also a Joint Forces Staff College and Naval War College graduate. He qualified as a Cryptologist and an Information Warfare Officer while holding numerous security industry certifications.

Paul Barkan is Senior Vice President, Chief Risk Officer of Newtown Savings Bank and joined the Bank in 2016. He is responsible for leading the Risk Management, Compliance and Anti-Fraud units and has held various financial-related positions in Compliance and Risk Management during the course of his career.

Mr. Barkan earned a B.A. from Binghamton University in 1990 and a J.D. from American University in 1993. He is currently a member of ACAMS and has extensive experience in project management, data privacy, regulatory compliance, crisis management, AML-KYC due diligence, risk assessments, monitoring and testing, and employee training.

Lyndsay is responsible for Retail, Digital Banking and Wealth Market risk oversight at MUFG, 5th largest bank in the world with 2.8T total assets. She is passionate about Blockchain technology and related transformation opportunities the technology presents to the banking industry.

Most recently, Lyndsay served as a head of Assurance and CCAR scenario for Santander Bank in U.S. Prior to Santander, she worked at several global consulting firms including EY, Protiviti and PwC focusing on external and internal audit, risk management and regulatory and compliance consulting space. Lyndsay is a Certified Public Accountant, Certified Anti-Money Laundering Specialist and Certified Risk Management Assurance professional. Lyndsay has a Master of Science in MIS from Boston University and holds a certification for Blockchain Technologies Business Innovation and Application from MIT Sloan.

Sumeet Chugani is a litigator, turned regulatory consultant, turned senior bank counsel. Sumeet currently serves as lead counsel for unsecured loans, credit cards, consumer payment solutions, and digital marketing at Citizens Bank. At Citizens, Sumeet positions his business line clients for success by guiding new product and service implementation, creating solutions for ever-changing legal/regulatory risks, and managing regulatory examinations. Prior to Citizens, Sumeet was a regulatory consultant at PricewaterhouseCoopers, and a consumer financial services litigator at both Akerman LLP and Diaz, Reus, & Targ LLP. Sumeet is also head of Diversity & Inclusion for Citizens Bank Legal.

Alessia Falsarone, SASB FSA, is a Managing Director with PineBridge Investments in New York, a private, global asset manager focused on active, high-conviction investing. She is responsible for the alignment of portfolio strategy and investment risk with focus on developed markets’ credit. Ms. Falsarone served in the office of the CEO of PineBridge’s predecessor entity, AIG Investments. Prior to AIG, she was part of the Global Investments team at Citigroup as Vice President responsible for international client advisory and an investment banker with Credit Suisse. Ms. Falsarone is an alumna of Stanford University and the MIT Sloan School of Business.

Jennifer Kim is the deputy Chief Risk Officer of Hyundai Capital America since 2017. She is overseeing Consumer and Commercial risk department including Credit risk management, Anti-Fraud, Operational risk management, statistical modelling and model governance, Enterprise information protection and Enterprise Data management. She brings with 20 years of financial services experiences including more than 15 years in Risk management. Prior to current role, she worked in Hyundai Capital HQ, Korea and various GE Capital businesses including America, Singapore, Japan and Asia HQ.

Jacob Kosoff is the Head of Model Risk Management and Validation at Regions Bank. In this role, Mr. Kosoff is responsible for the enterprise-wide management of the model governance and model validation teams and for overseeing the governance and validation for all models and significant analytical tools at Regions Bank. Mr. Kosoff has 15 years of experience and progressive managerial responsibility in model development, model risk management and audit within the financial services industry, including at Regions Bank, PNC Bank and Freddie Mac.

Steve is Senior Vice President and head of Quantitative Risk Analytics at Regions Bank, where his current responsibilities focus on quantitative aspects of forecasting and stress testing, risk ratings, valuation, reserve methodologies, economic capital, portfolio construction, credit strategy and credit portfolio management. Steve has 20 years of industry experience in quantitative modelling and risk management and has prior experience building portfolio management and analytics infrastructure at Merrill Lynch, Bank of Montreal and ABN AMRO. Steve has a Ph.D. in applied physics from Northwestern University, a B.S. in physics from University of Colorado in Boulder, and has held Series 7 and Series 63 certifications.

Sandeep is a finance and technology leader with expertise in risk management, compliance and fintech/crypto innovation.

He was responsible for enterprise risk management, compliance and regulatory reporting technology for BNY Mellon.

Sandeep previously managed risk technology for various businesses at JP Morgan including asset management and the clearing and prime brokerage businesses. He helped develop JPM’s first counter party stress testing platform.

He has a strong background in innovation with expertise in digital assets, having helped develop the first bank crypto-currency initiative, and executed the only US Treasury pilot, to date. He was quoted in the book ‘The Age of Cryptocurrency: How Bitcoin and Digital Money Are Challenging the Global Economic Order’.

Frank Morisano is Chief Risk Officer at the Industrial and Commercial Bank of China (ICBC) overseeing the operations and legal entities through which the bank operates in the USA.
Before ICBC, he spent over a decade in China leading Financial Services Advisory practices at Ma Lee Advisory and PwC Consulting. The earlier part of his career was spent in senior risk management, strategy, M&A, and liquidity management positions at JPMorgan Chase, Bank of America, Capital G Bank, and General Motors Acceptance Corporation. He is credit trained from the Chase Manhattan Bank, holds a M.Sc., Information Systems, and a B.B.A., Statistics.

Murad Nayal will be presenting at Risk Americas 2019.

Bogie Ozdemir is currently Chief Risk Officer and an Executive Vice President with Canadian Western Bank Group (a diversified financial services organization providing specialized services in banking, trust, and wealth management. Prior to joining Canadian Western Bank Group, and in his role as a Vice President with Sun Life Financial Group, Bogie led the development and implementation of (and was responsible for) ORSA, as well as overseeing Operational Risk, Model Vetting and Risk Analytics. Prior to this, as a Vice President with BMO Financial Group, he was responsible for Economic Capital, Stress Testing, and Basel Analytics, as well as the development and implementation of ICAAP. Previously, as Vice President of Standard & Poor’s Credit Risk Services group, Bogie held global responsibility for engineering new products and solutions, and business development and management. Bogie has authored and co-authored numerous papers and three books.

Aman Raheja is the Chief Information Security Officer (CISO) for BMO Harris Bank, based in Chicago. He has also been the Deputy CISO at a Fortune 25, and nation’s largest Pharmacy Benefits Management organization, Express Scripts, for three years and worked at CitiGroup for over seven years. He has experience orchestrating and executing enterprise information risk management strategy. He has led transformations across multiple security domains that ensure compliance, employ prudent risk management and maintain business focus.

Manan N. Rawal is currently the head of Scenario Design & Modeling at HSBC
in New York. His role involves establishing a strong and robust framework
around designing stress testing scenarios that are utilized for the CCAR /
DFAST exercise as well as examine the relevant issues surrounding balance
sheet and non-interest revenue forecasting.

Manan’s prior experiences included oversight responsibility for trading and
banking book exposures as part of an independent risk management team as
well as buy side portfolio management stints at various institutional asset
managers where he focused on cross asset markets involving convertible
bonds, equity and credit derivatives. His educational experience includes
an international executive MBA from the Trium program (www.triumemba.org),
a M.Sc. in Economics from the London School of Economics, and a B.S. in
Finance from the Wharton School at the University of Pennsylvania.

Ethen is a financial technologies innovator with more than ten years of experience in financial technologies. He has thirteen financial technologies related patents, and has co-founded several financial technology platforms, such as, Blast.com, a FinTech savings and investment platform; Armatic.io, a Software as a Service accounts receivables automation and management platform, and more. Ethen’s expertise in finance is supported by degrees from Harvard University and Villanova University. He also has professional subject matter certifications from Oxford University, Massachusetts Institute of Technology, and Harvard University. When he is not innovating the next big thing in finance, Ethen is competing in eSports competitions, where he is a Grand Master in a popular Blizzard eSports title.

Mark Benaharon will be presenting at Risk Americas 2019.

David Buck will be presenting at Risk Americas 2019.

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 he 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).

Arun is an Equity Quant Strategist at RBC Capital Markets with 13+ years of experience both in industry and strategy consulting ranging across machine learning, PPNR and risk modeling, strategy and portfolio analytics. Arun has proven experience in converting big data into understandable knowledge and increase bottom line profit using statistical / machine learning techniques. He is passionate about developing novel solutions for financial services and love being at the interface of quantitative modeling, risk, finance, and business strategy.

Arun holds MBA in Finance from ESADE, Spain and Masters in Data Mining from National University of Singapore.

Andrew is a liquidity risk specialist at the Federal Reserve Bank of New York covering a large domestic financial Institution in the Second District. He also participates in the Comprehensive Liquidity Assessment and Review (CLAR) program. Andrew joined the Federal Reserve in 2011 after 20+ years in various treasury positions at a large domestic financial institution. He holds a Masters in Economics from the University of New South Wales and Masters of Applied Finance from Macquarie University as well as Chartered Financial Analyst (CFA) and Financial Risk Manager (FRM) designations.

Alessia Falsarone, SASB FSA, is a Managing Director with PineBridge Investments in New York, a private, global asset manager focused on active, high-conviction investing. She is responsible for the alignment of portfolio strategy and investment risk with focus on developed markets’ credit. Ms. Falsarone served in the office of the CEO of PineBridge’s predecessor entity, AIG Investments. Prior to AIG, she was part of the Global Investments team at Citigroup as Vice President responsible for international client advisory and an investment banker with Credit Suisse. Ms. Falsarone is an alumna of Stanford University and the MIT Sloan School of Business.

Armel R. Kouassi is a senior finance professional with broad-based experience in Asset Liability, Fin-Tech and Treasury Portfolio Management. His experience includes a wide range of products with assignments in several major financial institutions and a Big 4 Audit Firm. He has worked and lived in numerous locations throughout the United States, Europe & Africa. Recently Mr. Kouassi assumed a new position as Head of Balance Sheet and Asset Liability Management for Northern Trust headquartered in Chicago. Armel has shifted between entrepreneurial and senior banking roles in his career.

Armel is certified Financial Risk Professional and a member of Global Association of Risk Professional. Armel received a MBA from the University Of Pennsylvania Wharton School and a Master in Finance from ESCP Europe, Paris, France.

Armel is a father of 3 girls, speaks three languages, he is passionate of Arts and Music and is member of the Board of Directors of the Ridgefield Symphony Orchestra. He is volunteer and Donors for NewArts/1214 Foundation in Newtown, Connecticut, a musical program to empower kids. Armel is member of the Board of the Wharton Club of Africa, promoting and helping to invest in Africa.

Stephan Meili will be presenting at Risk Americas 2019.

Piero Monteverde will be presenting at Risk Americas 2019.

Marco Ossanna is Senior Vice President and Chief Risk Officer for the Futures Commission Merchant at HSBC Securities USA Inc. Mr Ossanna has worked as subject matter expert of Central Clearing Counterparties (CCPs) at HSBC since June 2014 advising the FCM on establishing risk appetite and managing exposure towards Clearing Houses.

From 2011 to 2013, Mr Ossanna, was Executive Director at Chicago Mercantile Exchange, in charge of Clearing Membership, Risk Management and Default Management for Over-the-Counter Derivatives.

From 2000 to 2010, Mr Ossanna was Executive Vice President and Global Risk Officer of Structured Equity Derivatives at Intesa Sanpaolo, supervising teams in New York and London. In 1990’s he worked in the Research Department of Banca Commerciale Italiana in Milan, Italy, publishing market wide bank sector analysis and bank’s strategic papers.

Mr Ossanna received a Laureain Economics from the Universita’ degli Studi di Pavia in 1991 and he is a Certified European Financial Analyst. He is also an active member of industry groups and periodically represent HSBC at meetings with Regulators on matters concerning derivatives and clearing.

Julio is Vice President and head of CECL and CCAR Model Implementation and Production at US Bancorp since 2016, where he manages implementation, production execution, performance monitoring and reporting of credit risk models, stress testing, CCAR/DFAST and CECL models. With 15 years’ experience in building, implementing, validating and monitoring behavioral models using advanced econometric techniques, focused on Allowance, CCAR, Stress testing, IFRS9, CECL, Credit Risk for Commercial and Retail products.
He is an experienced manager with leadership and communication skills to drive highly visible projects and new initiatives that includes interacting with Senior Management, internal areas, external and internal auditors and regulators.
He is currently involved in the design, implementation and development of the CCAR and CECL models and integration with the reporting tools. He has led successfully several Model Development, Model Implementation, Model Monitoring and Model Validation projects.
Prior to working at U.S. Bancorp, Julio was CECL/IFRS9 Solution Management Lead in the Risk Research and Quantitative Solutions Division at SAS. Prior to SAS, Julio was Vice President of Model Risk Management/ Model Validation at TCF Bank. He also held other management positions at Ally Bank and General Motors Acceptance Corporation in the areas of Model Validation, Model Development, Model Implementation and Credit Risk.

Frank joined China Construction Bank NY branch (CCB) in 2014 as SVP & Treasurer of. Was Treasurer for Dexia Credit Local US , where Frank launched the Dexia US operations as USD global competence center to USD 70 billion, following Treasurer of the National Bank of Kuwait US operations.
Frank chaired the US Liquidity Contingency Committees of both Dexia & NBK; leading Dexia global USD liquidity management efforts during the crisis of 2008, 10 & 11; and NBK during the Iraqi invasion of Kuwait.
A forward thinking seasoned risk strategist and influential thought leader, Frank leverages a thorough understanding of the mechanics of treasury to manage the evolving regulations on treasury. Frank has worked as an independent advisor and consultant. Recent engagements included European, American, Asian and Middle Eastern banks, hedge funds and a private equity firm specifically focusing on Treasury Best Practices, Liquidity and FTP.
Frank is a regular speaker at industry conferences, moderating the 2012 IIF (Institute of International Finance) Executive Program on Treasury Risk. Presented at the IQPC CFO Conference 2016. Chaired the Marcus Evans Annual 2013 & 2015, 16 Liquidity Conference and 2013, 14, 15, Annual Funds Transfer Pricing and BSM. Presented at 2015 Funds Mgt. Conference.

Azlina Wetmore currently heads Commercial Credit Policy & Innovation at Capital One. Prior to this, she led the Regulatory Risk Management, Governance and Strategic Transformation function for the Risk Division at Credit Suisse in the US. Other roles held during her time at Credit Suisse include COO for the US and other Legal Entities CRO, Head of Operational Risk Governance for the Americas, Director for New Business in Asia and Head of Legal & Compliance in Malaysia. Azlina has also spent some time as a Regulator in the Malaysian Securities Commission. Originally from Malaysia, Azlina studied law in the UK at the University of Warwick and obtained her Masters of Commercial Law from the University of Cambridge. She has also been called to the Bar of England & Wales.

Arnisa Abazi is Director at Credit and Operation Risk Analytics, Citibank responsible for the development of credit stress testing (CCAR/internal stress testing) models for Global Wholesale portfolios.
In her prior role, she was Director at American Express, responsible for Economic Capital/Basel II/Stress Testing model development for Global Retail portfolios and oversight of Economic Capital in decisions/underwriting. She was distinguished with American Express Centurion circle award and Chairman’s Award for Innovation.
Arnisa has taught Enterprise Risk Systems as Adjunct Professor in Master of Financial Engineering at Stevens Institute of Technology and Econometrics as Lecturer at Rutgers University.
Arnisa holds a Ph.D. in Economics with specialty in Econometrics and Financial Economics. She completed her graduate studies at Central European University (in Budapest), Rutgers and Princeton universities where she was awarded Doctoral Fellowship, Sidney Simon Research Grant and George Soros fellowship.

Abhi Adukia manages model risk governance for AllianceBernstein (AB). He is responsible for executing all aspects of model governance activities including model due-diligence reviews, periodic reviews and model error assessments for all covered models used in the investment processes at AB. Prior to assuming this role in 2013, he worked for AB’s Internal Audit Group for 3 years. Before joining AB in 2009, Abhi has worked for AIG’s Financial Services Unit, doing reviews of credit derivatives valuation models. He holds a MBA in finance from University at Buffalo and a bachelor in accounting from Mumbai University. Abhi is a CFA charter holder and has CPA and FRM certifications.

Erjun Chen is a director of Internal Audit Service at CIT. His responsibilities include leading an audit team covering the Liquidity and Market Risk practices as well as DFAST/CCAR processes at CIT.

Prior to joining CIT, Erjun worked at Ernest & Young and KPMG as a Senior Audit Manager and an Audit Manager, respectively focusing on the financial statements audits in the banking industry. Prior to work for “Big Four’ accounting firms, he worked as a Foreign Exchange trader at one of Chinese Banks.

Erjun holds MBA in Finance from Fordham University Graduate School of Business. He is a CPA licensed in New York State.

Rafic Fahs will be presenting at Risk Americas 2019.

Ankur Goel is leading the model development of all Non-Residential Retail products for loss forecasting at PNC bank. His team is responsible for developing CCAR / CECL models for Auto, Credit Card, Student Lending and Unsecured Instalment Loans. Ankur has an extensive experience of modelling both in Academia and Banking. Before joining banking, Ankur was a Professor at Case Western Reserve University. He holds a Ph.D., from University of Texas and an undergraduate degree from Indian Institute of Technology.

Aruna Joshi will be presenting at Risk Americas 2019.

Sean Keenan will be presenting at Risk Americas 2019.

Shannon Kelly will be presenting at Risk Americas 2019.

Jacob Kosoff is the Head of Model Risk Management and Validation at Regions Bank. In this role, Mr. Kosoff is responsible for the enterprise-wide management of the model governance and model validation teams and for overseeing the governance and validation for all models and significant analytical tools at Regions Bank. Mr. Kosoff has 15 years of experience and progressive managerial responsibility in model development, model risk management and audit within the financial services industry, including at Regions Bank, PNC Bank and Freddie Mac.

Wei Ma is head of model risk management at SMBC, New York, in which capacity he develops model validation framework across SMBC NYB and its subsidiaries in the U.S. as well as leads validation of individual models. Prior to the current role, he was an enterprise risk officer led the development of risk appetite framework.

Before joining SMBC in 2013, Wei worked for five years at AIG where, as an associate director, he managed structured product portfolios composed of CDO, RMBS, and CMBS assets with a notional amount of over $60 billion. He also led the development of structured product risk analytic capabilities at AIG Asset Management and led work streams in stress testing and model risk management initiatives.

Prior to AIG, Wei was a structurer at Merrill Lynch and PriceWaterhouseCoopers with a focus on CLO. He also spent two years working as a risk management consultant at PwC during which period he advised banking clients on market risk management solutions.

Wei received an MBA degree from NYU Stern School of Business. He also holds degrees in computer science from top universities in China. He is a certified financial risk manager by GARP.

Sahas Ranganathan is a Risk Management leader at American Express (AXP) with varied experiences spanning the First and Second Lines of Defence.

He currently leads the Model Risk Management function for AXP and American Express National Bank (AENB). He leads a global team of risk professionals focused on models in the areas of stress testing (CCAR, DFAST), reserving (CECL, IFRS9, Membership Rewards), capital (Basel, Economic Capital) and Finance/ Treasury/ Compliance (Asset-Liability, card member lifetime value, Anti-money laundering).

He previously led the Enterprise Risk Management (ERM) function for AXP and AENB, focusing on critical Second Line of Defence frameworks and activities, including: risk appetite, economic capital, Board risk reporting, risk identification, risk policy and governance, incentive compensation, country risk, reputational risk, and oversight of new products.

In his previous roles, he led the implementation of economic capital in risk management, and created and implemented strategies to improve Consumer portfolio profitability through point of sale authorization rules.

Sahas has an engineering degree from the Indian Institute of Technology, Madras, and an MBA from the Indian Institute of Management, Ahmedabad. He is also a certified Financial Risk Manager with the Global Association of Risk Professionals.

Chris Smigielski has been with TIAA FSB’s Enterprise Risk Management Group for approximately five years; in his current role as Model Risk Management Director and previously as Enterprise Risk Manager – Capital Markets and Treasury. Chris has over 25 years of financial services industry experience, primarily in Asset/Liability Management (ALM), market risk modeling, financial model development and model validation. As VP & Sr. Quantitative Analyst at HSBC (US), Chris’ responsibilities included market risk modeling and reporting. His prior experience includes working as a Sr. Consultant at Diebold and Fiserv, two leading bank service providers, as SVP of Finance for a community bank, and as an ALM Analyst and ALCO member at First Niagara.

Adam Treibel will be presenting at Risk Americas 2019.

Mr. Vaidhyanathan has over twelve years of experience working in the area of modelling, analytics, and risk management in financial services. Nav Vaidhyanathan is the Head of Model Validation and Governance at M&T Bank, where he is responsible for providing model risk oversight for all models across the enterprise. Mr. Vaidhyanathan joined M&T in 2015.

Prior to M&T, Mr. Vaidhyanathan was the Head of Model Risk Management at Wintrust Financial Corporation, where he built the Model Risk function from ground up, including setting up the governance structure, writing the policies and procedures, and hiring and training the team. Prior to Wintrust, Mr. Vaidhyanathan worked at Northern Trust and Discover Financial Services. He has been involved in stress testing at four different institutions – leading model building and validation efforts.

Mr. Vaidhyanathan earned an MS in Civil Engineering as well as and MS in Electrical and Computer Engineering, and an MBA from Purdue University. He has a BS in Engineering from Indian Institute of Technology Kanpur (IIT Kanpur).

Ximena has over 20 years of experience in the Banking Industry as a Risk Manager and currently leads the Qualitative Validation function for Wells Fargo. In her role she is responsible define the standards and processes to validate qualitative models across the enterprise and execute on these validations.
Ximena has had extensive experience in her career in leadership roles across consumer credit risk, consumer analytics, credit operations and credit strategy design and implementation.
Before joining Wells Fargo, she worked at Ally Financial where she held roles in analytics, loan review and was Chief Risk Officer for the International Operation and at Citibank where she led functions across the credit spectrum in the US and internationally.

Ximena holds a BSc Industrial Engineering from Los Andes University and MBA from Duke University – Fuqua School of Business. She lives in Charlotte, NC with her husband and daughter.

Hu Zhang will be presenting at Risk Americas 2019.

Lyndsay is responsible for Retail, Digital Banking and Wealth Market risk oversight at MUFG, 5th largest bank in the world with 2.8T total assets. She is passionate about Blockchain technology and related transformation opportunities the technology presents to the banking industry.

Most recently, Lyndsay served as a head of Assurance and CCAR scenario for Santander Bank in U.S. Prior to Santander, she worked at several global consulting firms including EY, Protiviti and PwC focusing on external and internal audit, risk management and regulatory and compliance consulting space. Lyndsay is a Certified Public Accountant, Certified Anti-Money Laundering Specialist and Certified Risk Management Assurance professional. Lyndsay has a Master of Science in MIS from Boston University and holds a certification for Blockchain Technologies Business Innovation and Application from MIT Sloan.

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 he 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).

Tonia Durfee will be presenting at Risk Americas 2019.

Nasser Fattah, Managing Director, Bank of Tokyo Mitsubishi UFJ
Nasser Fattah is a Managing Director at MUFG Union Bank overseeing information security risk management program for the Americas. This includes working with business on major initiatives (cloud transformation, mobility, etc.), new markets (direct and self-service banking), and conducting risk assessments on Bank’s technologies (applications and infrastructures), internal and customer-facing information systems, and 3rd-party vendors based on Bank’s regulatory requirements (GLBA, PCI, HIPAA, SOX, etc.) and best practices (ISO 27001, COBIT, NIST, etc.). He works closely with senior management across various lines (business executives, privacy, enterprise risk, compliance, legal and others) to discuss and proactively address actual and potential information security risks, as well as report to executives the status of the bank’s information security risk posture, including recommended mitigation plans, to support the bank’s mission and objectives..
Before joining MUFG Union Bank, Nasser managed the Information Security Program for AIG Financial Division across Latin America and Asia. He also worked at ADP to achieve ISO certification, and managed the information security risk management program, including 3rd-party reviews.
Nasser began his Information Security career as a federal subcontractor where he maintained and managed the security posture of IT systems as per federal requirements (FISMA, OMB 130, NIST, etc.). Also assisted with identification and reporting of Medicare fraud.

Fabrice Fiol is a Managing Director and Deputy Head of the Enterprise Risk Management Americas division. In this capacity, he co-manages a team responsible for risk appetite statement and reporting, risk identification, enterprise wide stress testing and governance including regulatory oversight for the Americas.
He was previously in charge of the market risk cross-asset teams overseeing regional limit framework, Market Risk Stress Testing and various regulatory market risk initiatives. His prior role was heading the Equity/Fixed Income/Commodity market risk teams for SG in the Americas, including NY, Canada and Brazil trading platforms. This included risk oversight of the Primary Dealer desk, Agency MBS desk, Swap/Swaption activities as well as structured portfolios and Equity Derivatives activities.

Fabrice Fiol joined Societe Generale NY in 2009. Prior to SG, Mr. Fiol was a Senior Vice President at NATIXIS- NY in charge of Trading Risk Management on a U.S Agency MBS portfolio.
Prior to Natixis, Mr. Fiol was a Vice President at the reinsurance company SWISSRE-NY where he was initially in charge of front-office quantitative pricing and subsequently joined the U.S Rates Derivative Desk trading. He was responsible for swaptions/cap market-making, while executing the firm hedging strategy in US Treasury, US Swaps as well as Bond/I.R future options.

He graduated from ENSAE (National School of Statistics and Economics) and holds a Graduate Degree (DEA) from Paris VII University

Craig Friedman is a Managing Director and Head of the ERM Quantitative Methods group at TIAA. He holds a PhD in Mathematics from NYU’s Courant Institute of Mathematical Sciences, and an Sc.M. in Applied Mathematics and an A.B. in Economics from Brown University. He has published a number of journal articles and a book (Utility-Based Learning From Data) largely focused on the appropriate application of machine learning and data science techniques to financial engineering problems across a range of asset classes. He was a Fellow in NYU’s Mathematics in Finance program, an Associate Editor of the Journal of Credit Risk, and an Associate Editor of the International Journal of Theoretical and Applied Finance

Scott is the Chief Operational Risk Officer at People’s United Bank N.A.; a northeast based regional financial services company with over $40 billion in assets, offering commercial, retail, insurance, and wealth management services.

Scott is a licensed attorney, who holds a Bachelor’s Degree, Graduate Certificate in Tax, and Juris Doctorate from the University of Connecticut.

In his role, Scott is responsible for Operational Risk, Privacy, and Model Validation at People’s United Bank.

Scott has over fifteen years’ experience in Risk Management and has developed and implemented Operational and Enterprise Risk programs for domestic and international investment banking, capital markets, commercial banking, retail banking, and alternative assets organizations.

Aengus Hallinan will be presenting at Risk Americas 2019.

David Iacucci, CPA and CRCM, is a Director and Audit Team Leader at American Express. David is responsible for leading operational, compliance, and technology audits over credit and prepaid cards, fee based services, system development, and new product approval. Previously, he was a Senior Auditor within the Risk Assurance practice at PricewaterhouseCoopers LLP, where he performed financial statement and technology audits as well as third party assurance reviews. David has a Master of Science in Accounting and a Bachelor of Science in Accounting and Information Management and Technology from Syracuse University.

Ken Jones joined UBS in 2014, he is currently the Head of Fraud Risk Management and the Financial Intelligence Unit for the UBS Americas Region. Ken is leading efforts to improve fraud deterrence, detection and UBS Americas response to a variety of potential cyber and financial crime incidents. He leads the cross-functional Fraud Risk Management Committee and manages a variety of funded projects pertaining to intelligence, analytics and system improvements.

From 2008 – 2014, Ken was a Director in KPMG’s Forensic practice, where he conducted sensitive investigations for both government agencies and corporations. He also conducted fraud risk assessments at financial services and a variety of other industries.

Prior to working at KPMG, Ken retired as the Deputy Chief of the US Postal Inspection Service. In this position he was responsible for the overall leadership of the 18 field divisions and all headquarter operations. Program oversight and career experiences included financial crimes, narcotics, child sexual exploitation, bombs, prohibited mailings (anthrax), corporate security and employee investigations.

Nick Kapatos will be presenting at Risk Americas 2019.

Irfan started his career with Canadian Imperial Bank of Commerce (CIBC) in Toronto, Canada where he held multiple roles in Finance and Risk Management. He led the Operational Risk Function for CIBC’s Wholesale Banking business unit and was also responsible for development and implementation of the Advanced Measurement Approach (AMA) framework for operational risk.
In 2010, Irfan joined EY’s Risk Advisory practice in New York where he led a number of Operational and Enterprise Risk Management Advisory engagements as well as broader regulatory initiatives covering various aspects of the Basel Accord and the Dodd Frank Act. Irfan was also responsible for product and business development for key Risk Advisory offerings.
Irfan Joined BB&T in 2017 as the Chief Operational Risk Officer. In this role, Irfan leads ORM Programs and Oversight, Business Continuity, Vendor Management and Change Risk for the Bank.
Irfan completed his MBA in Finance and Management of Information Systems from McGill University and a Bs. in Marketing from Southeastern University. In addition, Irfan is a Chartered Financial Analyst (CFA) and holds the Financial Risk Manager (FRM) designation.
Irfan is married to Joveria Asif and they live in Summerfield, North Carolina with their three sons Danyal, Seff and Rehan

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.

Philip Masquelette is the Senior Vice President & Chief Risk Officer at Ulster Savings Bank. His responsibilities include oversight of all the Bank’s risk management functions in addition to managing the Legal and Compliance Departments. He previously worked with both Connecticut and Rhode Island financial institutions and has extensive experience in both federal and state compliance, as well as risk management. Mr. Masquelette is a former FDIC Senior Attorney.

Mr. Masquelette holds an MBA degree from the University of Rhode Island, a Juris Doctorate from the University of Houston and a Bachelor of Arts degree in Economics from Tulane University.

Denise Melious will be presenting at Risk Americas 2019.

Sean O’Malley will be presenting at Risk Americas 2019.

Gustavo Ortega will be presenting at Risk Americas 2019.

Jaikumar Ramaswamy will be presenting at Risk Americas 2019.

DALIT STERN is a Director of Enterprise Risk Management of Fraud at TIAA Financial Services where she is responsible for the build-out of the enterprise risk mitigation and the detection of fraud. She leads assessments of fraud risks; defining fraud metrics and KRIs; developing root-cause analysis procedures, risk appetite statements and conducting ongoing review of the effectiveness of counter-fraud controls.
Dalit has over 20 years of experience in mitigating fraud risks; conducting internal investigations into allegations of accounting irregularities, fraud, corruption and conflict of interest and assisting organizations respond to regulatory proceedings.

Dalit is a CPA (Isr.); M.B.A and a Certified Fraud Examiner. She is an adjunct professor at New York’s Baruch College where she teaches courses focused on forensic investigations, corruption and procurement fraud. She is a former partner at PwC, Forensic Services group.

Rodney Sunda-Wong will be presenting at Risk Americas 2019.