Product Risk Manager with over 20 years of experience in the Financial Services industry. Highly regarded by peers as a key risk partner with an excellent track record for raising and resolving key issues. Possesses excellent communication and documentation skills needed to effectively liaise with internal and external auditors, GFC, Business controls and compliance. Ability to break down complex issues into easy to understand tasks needed to facilitate effective resolution. Able to manage multi layered projects and tasks concurrently.
Skills
SME and Liaison to regulators and internal risk partners in support of product audits and regulatory adherence testing
Developed and implemented product risk management program including control and due diligence metrics
Defined client selection and ongoing product suitability requirements
Managed exception tracking and remediation
Developed and standardized product risk management procedures
Managed product end to end risk assessment process
Identified, raised and resolved self identified audit issues and supported compliance and AML issues
Deep financial product knowledge
Work History
SVP, SR Product Risk Manager , 09/2014 to 12/2019 Republic National Distributing Company – Vero Beach, FL,
Provided ongoing support for internal and external regulatory audits and exams and adhered to established policies, procedures and compliance requirements for satisfactory audit rating
Developed and implemented Global Receivables Product Risk Management routine which served as the model for broader roll out
Collaborated with Product Management to decrease risk and reduce costs associated with supporting high risk transaction banking products
Managed Risk Framework deliverables including laws, rules and reg identification, performing gap assessments, developing product profiles and standards and creating product end to end risk assessments for 11 Global Receivables Products
Developed Fraud risk assessments for RDC products
Collaborated with Global Financial Crimes, Compliance and Operations Risk, Global Risk Management, Business Controls, KYC partners and COO's to develop meaningful and traceable control and due diligence metrics for core cash management products
Implemented standardized procedures and workflows to support ongoing risk management routines
Created product requirements, positioning, key messaging and internal training to support the sales process, KYC requirements, product onboarding, implementation and QA processes
Recommend and implemented multiple risk reduction and mitigation efforts for high risk client types
Identified and investigated customer fraud, money laundering, regulation and ethical violations
Raised, managed and remediated multiple Self Identified Audit issues and ceated a standardized template for tracking and audit validation and testing
SR Product Manager, 02/2001 to 09/2014 Celanese – Oklahoma City, OK,
Responsible for development, marketing and roll out of core deposit products
Consulted with product development teams to enhance products based on customer data and helped incorporate product changes to drive customer engagement and firm profits
Monitored market trends and competitor performance and analyzed gaps to update promotional strategies and maximize sales
Facilitated increased product awareness and created product positioning strategies designed to achieve migration from traditional paper based products to electronic, optimal market penetration and promote specific products to target demographics
Developed and implemented bundled and favorable pricing structures balancing firm objectives against customer targets
Compiled product, market and customer data to forecast accurate sales and profit projections
Increased new client acquisition through targeted initiatives
Provided training and support to sales team members
Increased sales and brand exposure for check and cash electronification by developing new packaging, collateral, and sales materials and optimizing target audience reach
Customer Service Team Lead, 03/1998 to 02/2001 Uni-Select Inc. – South Toms River, NJ,
Promoted to team lead of customer service for displaying outstanding enthusiasm and remaining calm in extremely trying situations
Managed a team of 7 client services representatives supporting national retailers, restaurants and healthcare industries
Researched and corrected regular, advanced and long-standing customer concerns to promote company loyalty
Exceeded team goals and collaborated with staff members to implement customer service initiatives
Assessed call center trends to identify improvement opportunities and devise forward-thinking approaches to better align processes with intended results
Conferred with sales teams and team leaders to communicate targets, boost revenue and improve promotional strategies
Assumed ownership over team productivity and managed work flow to meet or exceed quality service goals
Coached new team members on service techniques and provided scoring through quality assurance program
Customer Service Representative, 08/1996 to 02/1998 Bank Of America – City, STATE,
Liaised with customers, management and sales team to better understand customer needs and recommend appropriate treasury solutions
Cultivated customer loyalty, promoted repeat customers and improved sales of core treasury products
Answered customer telephone calls promptly to avoid on-hold wait times
Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns
Assisted customers with treasury needs including balance confirmation, fraud inquiries and reconcilement issues
Developed call center software and entered customer interaction details to track requests, document problems and record solutions offered
Education
Bachelor of Science: Accounting And Business Management, Expected in Bridgewater State University - Bridgewater, MA GPA:
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