Appian
ANGELA M. SIMMONS
Loxahatchee Groves,FL
Summary
Proven Risk Specialist with deep expertise in risk analysis, regulatory institutional safety and soundness, and financial systems. Proven ability to deliver risk-based insights and leadership across complex organizations. Adept at collaborating with cross-functional teams to identify systemic and supervisory risks, align with regulatory expectations, and implement effective risk mitigation strategies. Passionate about bridging the gap between innovation and regulatory compliance to support sustainable growth in dynamic financial environments.
Overview
21
21
years of professional experience
Work History
NBE Risk Specialist, Supervision Risk Management Division
Comptroller of the Currency, Miami, FL
11.2020 - Current
- Serve as a senior staff member in the Supervision Risk Information System (SyRIS) and Supervision Risk Management organization, contributing to enterprise-level strategies that ensure sound risk governance across financial institutions.
- Collaborate with executive leadership and cross-functional stakeholders to design and implement standardized governance frameworks for identifying and addressing current, emerging, and systemic risks across the U.S. national banking ecosystem.
- Analyze and report on the ongoing evaluation and measurements of the effectiveness of the OCC's supervisory responses to highly complex risk management issues, policies, and programs to enhance risk response strategies and operational resilience.
- Review, analyze, and refine high-level risk communications and reporting delivered to internal examination teams and executive management on a quarterly basis to ensure clarity, alignment, and actionable guidance on systemic financial risks and the agency.
- Serve as a trusted liaison and subject matter expert to internal leadership, field examiners, and technical risk teams advising on evolving industry trends and best practices in risk oversight.
- Deliver quarterly briefings on current and emerging risks, to the National Risk Committee, synthesizing data and expert analysis into decision-support materials to inform policy and supervisory direction.
- Develop and prioritize risk mitigation recommendations for senior supervisory committees helping to translate complex risk exposures into scalable and actionable strategies.
- Actively participate in cross-committee discussions (e.g., Operations, Market, Credit, Country Risk), providing a macro and internal oversight perspective on systemic and institution-level risk concerns.
- Conduct critical reviews of emerging, monitor, and key risk submissions, collaborating with executive stakeholders to ensure early identification of credible threats, providing credible challenge, and ensuring alignment with the enterprise risk appetite.
- Identify thematic insights across risk submissions and integrate them into strategic communications to field examiners, enhancing front-line awareness of key risk signals.
- Apply deep expertise in risk-based supervision policy to modernize oversight approaches and support risk-informed decision-making across the broad spectrum of banking.
- Full-time, 40 Hours/Week
Capital Markets Midsize Functional V, 3 Yr. Position
Comptroller of the Currency, Miami, FL
01.2022 - 01.2025
- Served as Capital Markets lead for a $33B midsize financial institution with a complex balance sheet and elevated exposure to interest rate and liquidity risk—delivering strategic insights and risk management guidance aligned with a dynamic market environment.
- Utilized the risk-based supervisory framework to assess the direction, magnitude, and quality of liquidity, market sensitivity, and price risk ensuring visibility into key capital markets exposures.
- Conducted ongoing oversight of the institution's liquidity, investment strategy, and market risk profile—including derivative activity to ensure alignment with evolving regulatory expectations and enterprise risk appetite.
- Evaluated credit, liquidity, interest rate, operational, strategic, and compliance risks across the investment portfolio, and integrated both quantitative and qualitative indicators in assessing the portfolio risk strategy.
- Conducted regular risk review sessions with Treasury and Market Risk leadership, advising on emerging risks, balance sheet changes (on and off-balance sheet), and updates to governance, processes, controls, and systems.
- Performed independent follow-up reviews with internal audit to track resolution of outstanding findings and assess the effectiveness of management responses and control enhancements within the capital markets function.
- Reviewed and provided feedback on internal audit reports, scoping decisions, and supporting work papers—offering conclusions and risk insights to senior examination leadership.
- Developed annual risk assessments for capital markets activities, integrating real-time monitoring insights and quarterly risk evaluations into formal examination reporting processes.
- Led cross-functional teams during annual Capital Markets Target Examinations, evaluating risk quantity and management effectiveness across liquidity, market risk, price risk, and investment practices.
- Produced detailed examination conclusion memos summarizing findings, strategic recommendations, and risk/component ratings—serving as key inputs into formal enterprise-wide reporting on the institution.
- Provided performance evaluations and mentorship for examination staff, offering constructive feedback to support team development and strengthen institutional risk acumen.
National Bank Examiner
Comptroller of the Currency, Miami, FL
06.2004 - 11.2020
- Oversaw comprehensive risk evaluations as a Functional Examiner-in-Charge (EIC) for capital markets and balance sheet management across mid-size, and international banking institutions, including a New York-based global bank.
- Cross-credentialed to lead and sign off on risk evaluations for both National Banks and Federal Thrifts, demonstrating versatile supervisory authority.
- Collaborated across national supervisory teams to evaluate relevant risks such as market volatility, liquidity pressures, and earnings sensitivity—leveraging data, financial institution information, and regulatory insight and knowledge to set the scope of reviews, lead examinations, answer questions, and make informed decisions.
- Acted as a trusted advisor and lead functional in assessing liquidity, interest rate risk, investment strategies, earnings, capital adequacy, and asset quality for community and midsize banks—providing actionable insights aligned with evolving regulatory expectations and requirements.
- Managed cross-functional teams up to 20 team members in executing enterprise risk reviews and full scope regulatory exams, ensuring alignment with internal control standards and supervisory best practices.
- Applied the industry's structured risk frameworks (i.e., “Supervision by Risk” system) to assess institutional risk posture and direction, translating supervisory insights into scalable oversight strategies suitable for dynamic financial environments.
- Assessed controls and processes across all CAMELS (i.e., capital, asset quality, management, earnings, liquidity, and sensitivity) components and delivered clear, structured reports to executive teams, including recommended risk ratings, violations of law, and matters requiring attention.
- Actively participated in the design and enforcement of supervisory actions to drive timely resolution of risk issues and aligning institutions with safety and soundness, and fintech.
- Guided problem institutions through risk remediation and operational turnaround, including acting as Portfolio Manager for a high-risk bank, successfully leading its recovery strategy.
- Delivered high-impact risk briefings and formal presentations to Boards of Directors, executive leadership, and regulatory committee—translating complex examination findings into clear, strategic recommendations.
- Provided structured feedback to bank management during and after examinations, including formal written findings, recommendations, violations of law, and required corrective actions.
- As a certified Uniform Commissioned Examiner (UCE) Mock Evaluator, mentored less experienced examiners supporting talent development and strengthening the assessment of institutional risks as part of their journey through the UCE process.
Balance Sheet Management Functional-IBS/LBS V, 2 Yr. Rotation
Comptroller of the Currency, Miami, FL
07.2018 - 05.2020
- Balance Sheet Management lead for the U.S. branches of a global financial institution headquartered in Zurich, Switzerland, supporting a $33B balance sheet with major U.S. branch operations.
- Oversaw risk across liquidity, interest rate sensitivity, and investment portfolio strategy.
- Led the planning, scoping, and execution of capital markets examinations, facilitated exit meetings with senior management, and provided recommendations aligned with evolving best practices in liquidity and interest rate risk management.
- Led a cross-agency Resolution and Recovery Plan examination in partnership with the FDIC, assessing the interconnectedness between the broker-dealer and U.S. banking entities, and evaluating the credibility of "ring-fencing" assumptions and resolution preparedness.
- Made key contributions on regularly targeted focused-risk reviews by assessing end-user and trading derivatives controls, identifying material gaps in Value-at-Risk (VaR) limit structures, weaknesses in breach monitoring at the branch level and assessing overall policies, procedures, and processes.
- Participated in a Volcker Rule discovery compliance review, focusing on the design and execution of independent audit programs supporting Enhanced Compliance requirements, and identified significant third-line risk control gaps.
- Represented supervisory interests in regular meetings with executive leadership across Group Treasury (Zurich and London), Asset Liability Committee Americas, and U.S. regulators including the OCC, FDIC, and Federal Reserve—providing insights into liquidity and balance sheet risk across international operations.
- Conducted continuous monitoring and assessments of the institution's compliance with the OCC's Heightened Standards and other key regulatory expectations, ensuring timely mitigation of identified risks.
- Conducted follow-up on Matters Requiring Attention (MRAs) and produced quarterly risk assessments and annual core evaluations focused on interest rate and liquidity risk delivering actionable insights that contributed and supported formal supervisory reporting.
- Executed quarterly and annual risk assessments and developed supervisory work products that provided formal examination reports and regulatory commentary on capital markets and balance sheet management functions.
Market Risk Specialist VI, 2 Yr. Rotation – 570 - Series
Comptroller of the Currency, Miami, FL
11.2015 - 11.2017
- Interpreted complex financial regulations and provided strategic policy guidance to both internal stakeholders and financial institutions, including assessing the applicability of the Volcker Rule to community and midsize banks engaged in customer swap activities, and evaluating Enhanced Compliance Program requirements and related independent audit expectations.
- Supported examinations across a range of institutions—community, midsize, and “mega” large banks reviewing areas such as Local Market Treasury functions, funds transfer pricing frameworks at globally active banks, and end-user derivative and trading risk management practices.
- Served as the functional Examiner-in-Charge for market risk (including price risk), liquidity, and investment portfolios—covering asset classes such as CLOs, CMBS CLOs, REO rental securitizations, sovereign debt, corporate bonds, and BOLI—across midsize and large community banks.
- Collaborated cross-functionally with risk subject matter experts and maintained strong working relationships with examiners and supervisory teams across the OCC, staying current with industry best practices and emerging financial risks.
- Coordinated with external regulatory agencies to align policy interpretations and supervisory expectations, particularly around interest rate risk management as outlined by the Basel Committee's Pillar 2 supervisory framework.
- Participated in a six-week executive rotation in the Comptroller's Office, engaging in interagency meetings and discussions on Capitol Hill, including a session on the Financial CHOICE Act, deepening business unit exposure at the executive-level to financial legislation and policy development.
- Identified training and knowledge gaps among field examiners, collaborating with Continuing Education and Treasury Market Risk teams to redesign the OCC's Fundamentals of Capital Markets course, ensuring relevancy and applicability to modern financial products and risk trends.
- Co-authored a comprehensive restatement of the OCC's derivatives-related Interpretive Letters, enhancing examiner clarity on permissible activities and associated derivative-use conditions across national banks.
- Helped assist and guide a team member going through the UCE process. Mentored a peer undergoing the Uniform Commission Examination (UCE) process, providing technical guidance and leadership support throughout the development cycle.
Education
Bachelor of Business Administration - Finance and Economics
Texas Tech University, Rawls College of Business
Lubbock, TX12.2003
Skills
- Strategic Risk Governance & Enterprise Risk Management
- Emerging Risk Identification & Strategic Response
- Regulatory Compliance & Interpretation
- Cross-Functional Leadership & Team Management
- Supervisory Reporting & Executive Communication
Timeline
Capital Markets Midsize Functional V, 3 Yr. Position
Comptroller of the Currency, Miami, FL
01.2022 - 01.2025
NBE Risk Specialist, Supervision Risk Management Division
Comptroller of the Currency, Miami, FL
11.2020 - Current
Balance Sheet Management Functional-IBS/LBS V, 2 Yr. Rotation
Comptroller of the Currency, Miami, FL
07.2018 - 05.2020
Market Risk Specialist VI, 2 Yr. Rotation – 570 - Series
Comptroller of the Currency, Miami, FL
11.2015 - 11.2017
National Bank Examiner
Comptroller of the Currency, Miami, FL
06.2004 - 11.2020
Bachelor of Business Administration - Finance and Economics
Texas Tech University, Rawls College of Business
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Software
Microsoft Excel
Microsoft Word
Microsoft PowerPoint
Office
Work Preference
Work Type
Full TimeWork Location
RemoteHybridImportant To Me
Work-life balanceWork from home optionCompany CultureHealthcare benefitsStock Options / Equity / Profit Sharing401k matchPaid sick leaveCareer advancementSimilar Profiles
Justin SwardJustin Sward
National Bank Examiner at The Office of the Comptroller of the CurrencyNational Bank Examiner at The Office of the Comptroller of the Currency
Michelle Zapata MarinelarenaMichelle Zapata Marinelarena
Assistant National Bank Examiner at Office of the Comptroller of the CurrencyAssistant National Bank Examiner at Office of the Comptroller of the Currency
RASHEEN HOLLANDRASHEEN HOLLAND
Emergency Management Specialist at Office of Comptroller of the CurrencyEmergency Management Specialist at Office of Comptroller of the Currency
Kaitlyn SevierKaitlyn Sevier
Inspection Manager at Unicity SolarInspection Manager at Unicity Solar
Shawna PardoShawna Pardo
Registered Nurse, Intensive Care Unit at Palm Beach Gardens Medical CenterRegistered Nurse, Intensive Care Unit at Palm Beach Gardens Medical Center