Marketing & Communications First Line Risk Manager
Citizens
Johnston, RI
07.2015 - Current
Review bank advertisings regulatory
Conducted regular audits of existing policies and procedures, ensuring their continued effectiveness in addressing organizational goals related to mitigating risks.
Developed strong relationships with internal stakeholders, promoting a culture of risk awareness and accountability.
Developed short-term goals and long-term strategic plans to improve risk control and mitigation. Review
OPS Manager II – Contract Specialist
Citizens Bank, N.A.
Warwick, RI
10.2013 - 08.2015
Identified opportunities for process automation, leading to increased efficiency and reduced manual workload for staff members.
Managed daily operations, ensuring smooth workflow and optimal resource allocation across departments.
Enhanced employee performance with focused training programs, coaching, and mentoring initiatives.
Balanced competing priorities in a dynamic environment, ensuring timely completion of tasks while maintaining high standards for quality and safety.
Control Testing Analyst
Citizens Bank, N.A.
Warwick, RI
08.2013 - 10.2013
Streamlined the testing process by creating reusable test cases for future projects.
Compliance Specialist
Citizens Bank, N.A.
Warwick, RI
01.2010 - 01.2012
Education
Certificate in MicroSoft Office Suite applications – Intermediate Level -
Systemetrics, Cranston, RI
12.2009
Matriculated in Business Administration -
Husson University, Bangor, ME
05.1993
Professionaloverview
Conducted ongoing weekly meetings to create awareness, provide guidance and suggest best practices when managing vendor relationships from a cost perspective. (Procurement)
Developed and rolled out training to a new team of Contract Specialists to promote a mature vendor management program centralized within the Business Line. (Leadership)
Collaborated with internal and external stakeholders while managing the third party management contract lifecycle, including SLA monitoring, on boarding and exiting relationships for a large vendor portfolio. (Vendor Management)
Enforced legal remedies under the contract through liquidation, loss mitigation, foreclosure and litigation to ensure reasonable payment arrangements and/or return of group assets. (Litigation, Foreclosure & Asset Recovery)
Addressed information security failures through remediation of Third Party Assurance findings. (Third Party Assurance)
Performed testing and gap analysis with regard to critical functions, systems and applications that require recovery in the event of a business interruption. (Business Resumption)
Tracked loss events impacting profitability and general ledger on collection and recovery accounts in accordance with Basel II requirements. (Loss Events)
Executed control testing to identify operational failures within the business to adhere to RBS Group standards and regulatory obligations. (Control Testing)
Performed Quality Control Reviews to ensure compliance with divisional policies and procedures. (Quality Control)
Awardsrecognitionaffiliations
Good Banking Award from DMMFO OVMO, 12/01/13
Good Banking Awards from DMMFO, 09/01/12
Certificate of Appreciation from Ray Peloso DMMFO EVP and Consumer Finance Division, 12/01/11
Employee Spotlight Award, 12/01/11
CIA Citation, 05/01/03, recognized for 'living by the CREDO' by EVP, Chris Downs in Warwick, RI.
Community Services Leader Award, 01/01/97, issued by the HELP coalition.
Careerfocus
Coordinates the initiation, development and/ or implementation of an effective vendor management program that will integrate a strong risk management framework.
Affiliations
Juneteenth RI- 2019 - 2023
Timeline
Marketing & Communications First Line Risk Manager - Citizens
07.2015 - Current
OPS Manager II – Contract Specialist - Citizens Bank, N.A.
10.2013 - 08.2015
Control Testing Analyst - Citizens Bank, N.A.
08.2013 - 10.2013
Compliance Specialist - Citizens Bank, N.A.
01.2010 - 01.2012
Systemetrics - Certificate in MicroSoft Office Suite applications – Intermediate Level,
Husson University - Matriculated in Business Administration,
Vice President of Corporate Communications, Vice President of Marketing, Vice President of Corporate Communications and Brand, Director of Marketing and Communications, PR & Communications Manager at Compeer FinancialVice President of Corporate Communications, Vice President of Marketing, Vice President of Corporate Communications and Brand, Director of Marketing and Communications, PR & Communications Manager at Compeer Financial
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.