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Scituate, MA 02066 781-249-3177

Leader with an in-depth understanding of enterprise risk management within the financial institutions industry and how to implement a pragmatic risk management program. Strong Project Management skills and experience to bring a business initiative to completion while balancing the risks with the anticipated success.

Areas of Expertise:
Enterprise Risk Management Risk Analysis, Assessments & Reviews Project Management Policy Development Strategic Planning ALLL Management IT/Information Security Compliance Management Incident Response BSA/AML/CIP/Identity Theft Change Management

EAST BOSTON SAVINGS BANK, PEABODY, MA [2006 2012] Senior Vice President Department Head for Risk Management, Compliance, Security (Physical & Fraud Prevention) and Information Security Decision maker on risk management issues that directly impact the strategic direction of the Bank. Implemented Enterprise Risk Management (ERM) program and developed a senior level risk dashboard for monitoring risks across the enterprise. Advised senior management, Board of Directors & Audit Committee on anticipated risks and reviewed mitigation strategies currently underway. Chair of the Risk Management Committee and Incident Response Team. Key participant in a variety of committees and projects that sets the strategic risk management vision. Reviewed all bank risk assessments and recommend change control procedures for improvements to the Banks business processes and functions. Write risk reviews for areas of the Bank undergoing a change or anticipated regulatory criticism that resulted in recommendations for risk mitigation strategies and developed a plan for integration into the ERM program for close monitoring. Conduct bank-wide policy quarterly reviews and new policy development efforts. Directed all compliance efforts with respect to best practices, pro-active compliance initiatives, remediation of regulatory and compliance audit issues and compliance audits (staff of three). Directed all physical security & fraud prevention initiatives through the oversight of the Director of Security (staff of five). Led major IT regulatory remediation project by incorporating all policies and procedures into one cohesive Information Security Program. Coordinated selection and directed the efforts of an IT consultant to conduct external & internal vulnerability testing, Social Engineering testing, Business Continuity Planning & Security Testing. Oversaw an in-depth risk assessment of the Banks current Multi-Factor Authentication process, IT Network Access, Physical & Data Security, Change Management and other Information Security issues. Conducted a successful search for a well-seasoned Information Security Officer. Served on Allowance for Loan Loss Committee to assist in the quantification of impaired loans and calculation of the loan loss reserve estimate and on the Loan Modification Committee to review loans at risk - continued -

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of going into default and determining potential alternative options. Served on the following miscellaneous committees: Social Media, Pricing, IT Steering, Compliance, Compliance Governance, 2012 FFIEC Authentication, Strategic Planning, Fraud, Audit Review and numerous ad hoc committees. Developed a Vendor Management Program that assimilates all bank-wide vendors including technology into a single policy/program utilizing a computer based risk assessment that is compliant with all FFIEC requirements. Discuss all risk issues with The Board Audit Committee and act as intermediary between auditors, regulators & consultants and coordinate the responses to all external audit/regulatory reports/examinations. Served as Chief Business Continuity Coordinator, reviewed current BCP and recommended/ implemented the automation and expansion of it with steps to conduct more in-depth testing. Acted as interim BSA Officer and oversaw the implementation of multi-factor authentication to the Banks internet banking system, wrote procedures to improve the narratives of SARs (Suspicious Activity Reports) and participated in completion/installation of automated AML monitoring system and process. User Group Leader for Wolf and Company WolfPAC Integrated Risk Management Solutions.

JOHN HANCOCK ADVISERS, Boston, MA [1992 2002] Senior Vice President of Risk Management Developed & implemented risk management program in all investment areas, with emphasis on investment performance measurement and attribution analysis. Performed intensive quantitative analysis on fixed-income and equity investment portfolios via computer modeling techniques. Used systems including GAT, CMS (Bond, Edge, and Pace), BARRA Aegis, GEM, PAN, COSMOS, Wilshire and Bloomberg. Developed and implemented dynamic in-house investment reporting system for trustee meetings, senior management investment policy committee and portfolio managers. Oversaw all derivative hedging strategies/activities and compliance requirements. Acted as portfolio manager of variable annuity 500 index fund, limited-term government fund, sovereign US government income fund, gold & government fund, and cash desk. Chaired investment / technology committee and quality steering council. Conducted extensive investment systems needs analysis. Directed investment operations department during restructuring.

FIRST SIGNATURE BANK & TRUST, Portsmouth, NH [1990 1992] Vice President & Treasurer Re-engineered strategic and financial planning methodology using computer modeling techniques. Led cost-benefit and risk analysis of opportunities. Streamlined the accessing and running of financial models. Established practice of acquiring credit card portfolios and home equity line of credit portfolios as an alternative to originating accounts. Instituted customer profitability analysis for the gold credit card portfolio, identifying profitable existing and potential customers and developing strategies to reduce unprofitable accounts.

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JOHN HANCOCK FINANCIAL SERVICES, Boston, MA [1985 1990] Senior Financial Officer FEDERAL HOME LOAN BANK, TOPEKA, KS [1984 1985] Financial Futures Specialist FEDERAL RESERVE BANK, Kansas City, MO [1981 1984] Assistant Economist NEW MEXICO STATE UNIVERSITY, LAS CRUCES, NM [1979 1981] Graduate Research Assistant COMPTROLLER OF THE CURRENCY, DENVER, CO [1972 1975] Bank Examiner

PROJECT MANAGEMENT INSTITUTE [2006] VILLANOVA UNIVERSITY Essentials of Project Management Mastering Project Management BOSTON UNIVERSITY [2004] Oracle / Microsoft Application Solutions Developer Program Areas of study include: Relational Databases and SQL Client / Server Architecture Multi-Tier Architecture Oracle 9i Databases and SQL Oracle 9i Development / Administration Visual Basic 6 / Visual Basic.NET Active Server Pages / ASP.NET HTML/JavaScript/XML

MS in Agricultural Economics and BBA in Finance, NEW MEXICO STATE UNIVERSITY Published Thesis: Tax Aspects of Commodity Futures with Emphasis on Hedging