Deborah Gross
Valrico,FL
Summary
Strategic and results-driven leader with extensive experience in risk management, compliance, and operational excellence within financial services. Expertise in leading enterprise risk management programs, implementing business-line risk oversight, and driving regulatory compliance. Adept at building high-performing teams, enhancing risk governance frameworks, and developing innovative solutions to mitigate operational, financial, and compliance risks..
Overview
20
20
years of professional experience
Work History
Director
USAA Federal Savings Bank
07.2017 - 11.2024
- Led the development and implementation of an enterprise risk management framework, aligning with regulatory expectations and risk appetite.
- Established and managed a first-line risk oversight team, conducting Risk and Control Self-Assessments (RCSA), issues management, and change management reviews.
- Partnered with senior executives to develop risk strategies, ensuring compliance with regulatory requirements and internal policies.
- Conducted reviews of operations, including loan servicing, borrower communications, default management, and reporting.
- Developed comprehensive risk reporting and escalation processes, presenting risk performance insights to executive management and board committees.
- Championed process automation initiatives to enhance risk monitoring, reporting, and governance efficiencies.
- Collaborated with Finance to drive effective budget planning and maintain stringent cost controls.
Managing Partner
328 Consulting LLC
05.2005 - 07.2017
- Negotiated high-value contracts with clients, securing profitable partnerships for the company.
- Spearheaded successful client engagements resulting in repeat business and positive referrals from satisfied clients.
- Managed complex projects across multiple client’s departments, ensuring timely completion within budget constraints.
- Coordinated with client’s cross-functional teams to ensure project milestones were met on time and within budget, significantly improving project success rates.
Vice President
PHH Corporation
05.2005 - 05.2015
- Spearheaded the enhancement of risk governance structures, improving issue resolution and risk mitigation strategies across mortgage servicing operations.
- Led regulatory compliance initiatives, ensuring adherence to CFPB, OCC, and other regulatory requirements.
- Designed and implemented key risk indicators (KRIs) and key performance indicators (KPIs) to monitor emerging risks and operational effectiveness.
- Developed and executed risk training programs for first-line business units, reinforcing risk culture and accountability.
- Provided risk oversight on third-party vendor management, ensuring alignment with enterprise risk frameworks and contractual obligations.
Education
Bachelor Of Arts -
Juris Doctorate -
Skills
- Enterprise Risk Management & Governance
- Regulatory Compliance (CFPB, OCC, FHA, FNMA, FHLMC)
- Risk & Control Self-Assessments (RCSA)
- Issues & Change Management
- Operational Risk & Internal Controls
- Strategic Planning & Execution
- Executive & Board-Level Reporting
- Process Optimization & Automation
- Team Leadership & Talent Development
Timeline
Director - USAA Federal Savings Bank
07.2017 - 11.2024
Managing Partner - 328 Consulting LLC
05.2005 - 07.2017
Vice President - PHH Corporation
05.2005 - 05.2015
Villanova University - Bachelor Of Arts,
Widener University School of Law - Juris Doctorate,
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