Fractional Fintech Solutions, LLC

Fractional Executive offering Services in the following:

-BSA/AML fraud and risk
-Enterprise Risk Management (ERM)
-Governance Risk and Compliance (GRC)
-Vendor Management
-Third Party Risk
-Procurement
-Exam Management (SOC, ISO, SSAE)
-Risk and Compliance
-1LOD Mgt
-RCSA
-NIST 800-53
-Financial Crimes consulting: Fraud, BSA/AML

3 Active contracts as a Fractional executive for @ThisWayGlobal, @BluOpportunity and @WaveApps

Chief Executive Officer: Self Employed

Promontory MortgagePath LLC

Provide executive oversight and management of multiple departments, third party risk, contract negotiations, compliance, security, internal functions, and a portfolio of global vendors valued at over $30 Million.
-Played a vital role in enhancing end-to-end mortgage processes, maximizing value to the customer through third party services, building rapport, encouraging teamwork and collaboration across the enterprise. 
-Held P&L and budget accountability for enterprise vendor spend, while maintaining compliance, minimizing risk, leading due-diligence efforts and engaging third parties daily. 
-Instrumental in creating a procurement process for fintech, by managing contracts with all third-party vendors including, negotiations, due diligence, and vendor selection. 
-Onboarded 250+ enterprise suppliers.
-Created a Third-Party Risk & Procurement team for fintech, by devising a vendor management framework and C-Suite and Board-Level reporting, and publishing risk scores, scorecards, and current / emerging risks associated with suppliers.
-Successfully enhanced risk transparency and propelled business forward.  
-Excelled at promoting Learning & Development, continuous improvements, and cost effectiveness companywide, by building a robust internal L&D team 
-Acted as the Diversity & Inclusion Executive Sponsor

Head of Vendor Management (Third Party Risk) & Learning and Development

FormFree®

Designed and implemented Compliance Framework
Guided company through its first SOC 2 Type 1 and Type 2 exams. 
Built vendor management framework to meet FFIEC requirements
Built Compliance team to manage due diligence requests from financial institutions. 
Assist FFHC with achieving D1C approval from FNMA.

Head of Risk and Compliance

Hope LoanPort

Built and managed a Risk and Compliance Framework.
Managed Data Center Technology ensuring compliance to FFIEC guidelines and federal banking regulations.
Liaised to large banking clients for Technology, Risk and Compliance Audits.
Ensured that HLP was meeting SLAs for all clients.
Reported to Board of Directors quarterly on Risk and Compliance Metrics.
Managed third party suppliers to ensure they maintained industry certifications, insurance and annual audits as required by contract. 
Wrote and enacted policies and procedures. 
Acted as Information Security Officer for HLP

SVP Governance, Risk and Controls

Bank of America

Manage  Risk for Home Loans Advocacy Vendors
Build and maintain robust relationships with company executives and internal LOB partners
Ensure vendor contracts are being executed to SLA
Ensure KRI and KPI's have been clearly stated in contracts and measured in scorecards

SVP, Vendor Management

Manage a team to liaison with OCC, Corporate Audit, and MHA assessors.
Review operational and vendor management processes and implement controls to minimize risks.
Liaison to Enterprise Vendor Management team for audits, reporting and managing risk deliverables.
Liaison to Supply Chain Management to ensure updates to Contractual Artifacts for Mail Coordination, Letter Implementation, and LOB Vendor Management.
Develop talent.
Build a Client Services team to facilitate the engagement of Vendor Management, Sourcing, Legal, Risk and Compliance for the fulfillment of vendor related initiatives by LOB.

SVP, Home Retention, Business Control Manager, Vendor Mgt

Oversight of the Risk Relationship Management team for Consumer Small Business Banking Technology and Operations.
Technology and Operational Risk support for Channel Technology: eCommerce, ATM, Banking Center and Call Center Technology
Drive execution of risk and compliance deliverables (BASEL, SOX, FFIEC, PCI, etc.)
Drive mapping and assessment of technology processes and controls to COBIT Framework
Assist with the identification of key risk indicators.
Ensure execution of RCSA. Risk and Control Self Assessment for Channel Technology and eCommerce.

Business Control Executive

•	Manage a risk team to support multiple lines of business
•	Implement Data Access Management for Consumer and Small Business Banking Technology and Operations
•	End to end risk management: People risk, System Risk, Environment Risk
•	Implement Risk tools
•	Design Risk Policies
•	Advise Business partners on emerging risks
•	Liaison to audit and external federal regulators
•	Manage Line of Business Self Assessments
•	Proactively identifying potential risk
•	Risk Escalation to Executive Management as needed

Senior Vice President, Operational Risk Manager

•	Managed $200mm portfolio of Tier 1 suppliers
•	Responsible for ensuring Supplier adherence to Regulations and Contractual Requirements
•	DFSS and Six Sigma Greenbelt certified for build out of Supplier Management Playbook and Dashboard reporting tool supporting Consumer and Small Business Banking Technology and Operations
•	Build management routines to mitigate risk with Tier 1 software suppliers in Electronic payments, Check processing, eCommerce.
•	Advise the Lines of Business on Strategy concerning supplier base and act as a SME for the suppliers.
•	Work with information security and Lines of Business to ensure supplier compliance with industry and Bank standards for information protection.
•	Create scorecards and update quarterly to measure supplier performance against contractual SLAs.
•	Advise Supply Chain management on opportunities to optimize supplier spend.
•	Mitigate issues between supplier and Lines of business including contractual discrepancies and technical issues that could affect production or in flight projects.
•	Contract and SOW management and negotiations in conjunction with Supply Chain Management. 
•	Ownership of Contracts post-execution and QA of supplier invoices to contracts.

Vendor Relationship Manager III

Multiple roles in engineering and architecture supporting technology in CSBBT&O

Vice President, Consultant, Eng, Arch

A CRISC-certified professional with  experience as a Fractional Chief Risk and Compliance Officer at Fractional Fintech Solutions LLC, specializing in BSA/AML, GRC, vendor management, and enterprise risk. Partnered with organizations such as ThisWayGlobal, BluOpportunity, and WaveApps to deliver tailored strategies addressing fraud, compliance, and third-party risk. Expertise includes navigating regulatory frameworks like NIST 800-53 and leading exam management processes for SOC and ISO standards.  

Previously held leadership roles in fintech, including managing multi-million-dollar vendor portfolios and implementing compliance frameworks. Known for fostering cross-functional collaboration, optimizing processes, and driving sustainable risk management strategies. Dedicated to empowering organizations to meet regulatory demands while enhancing operational transparency and efficiency.

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