Ralph M. Acevedo
Somerdale,NJ
Summary
Program Manager for Community Bank Examinations with a strategic approach to regulatory compliance and risk assessment. Demonstrates strong leadership in project management and stakeholder engagement, ensuring seamless operations and adherence to standards. Skilled in data analysis and strategic planning, driving innovative solutions to enhance community banking initiatives.
Overview
27
27
years of professional experience
Work History
Program Manager
Federal Reserve Bank of New York
12.2023 - Current
- Responsible for the examination and inspection process and procedures for the Community Banking group
- Facilitate examination scoping and continuous monitoring of institutions
- Execution of full scope and target examinations for state member banks in conjunction with other regulatory stakeholders
- Coordination of supervisory process with financial institutions and regulatory agencies to ensure proper communication of guidance and regulatory expectations
- Provide horizontal analysis of institutions across various risk types to ensure conformance to proper safety and soundness metrics
- Manage and reconcile regulatory findings for institutions subject to enforcement actions and adverse conditions.
- Supervision
- Regional Community Financial Institutions Group
Supervising Bank Examiner-Credit Risk/Problem Bank Specialist
Federal Reserve Bank of New York
05.2015 - 12.2023
- Effectively established policies and procedures surrounding credit risk activities including examination scoping, loan review and continuous monitoring
- Credit Risk lead examiner for complex events including target examinations.
- Responsible for providing comprehensive on-the-job training for staff and delivering constructive feedback to ensure core competencies are met
- Provided ad-hoc supervisory updates on new guidance and presented horizontal analysis on at risk institutions
- Conducted horizontal reviews for Board of Governors and opined on policy making workgroups
- Maintain effective communication among internal management, board and primary regulatory agencies
- Resident subject matter expert on loan review examination scoping and execution of sampling software and processes. Co-lead on system automation project which is to be used in all 12 districts
- Cognitive Diversity champion contributing to Supervisions DE&I initiatives and supporting Touchstone behaviors
- Supervision
- Regional Community Financial Institutions Group
Senior Bank Examiner/Central Point of Contact-Commercial Bank/Savings and Loan Holding Corp.
Federal Reserve Bank of Philadelphia
07.2011 - 05.2015
- Effectively managed holding company comprised of 7 banks working with various other regulatory agencies.
- Performed analysis of material core risk exposures and how these are measured and managed within the consolidated organization
- Created and implemented comprehensive, risk-focused supervisory and continuous monitoring plans encompassing all of the major risk management components
- Created a regulatory summit and developed scope proposals for specific examination activities developing strong relationships with other regulatory agencies
- Ensured the timely and accurate completion of required supervisory documents and information.
- Adapted supervisory approach as necessary to reflect changes in the institution’s individual risk profile as well as environmental, policy, and economic factors
- Regional Banking Organizations
Commissioned Bank Examiner
Federal Reserve Bank of Philadelphia
12.2009 - 07.2011
- Supervised and monitored troubled institutions as an examiner-in charge and effectively managed enforcement actions and returned banks to satisfactory condition.
- Lead various efforts in the remediation of operational reviews providing new departmental policies and procedures to be consistent with system requirements.
- Provided training for associate examiners throughout the exam and commissioning process and provided appropriate feedback for completing assignments and provided exam preparation
- Redesigned the loan sampling process to include more automation and accuracy
- Served as asset quality manager for various commercial bank examinations
- Community & Regional Supervision
Assistant Examiner II
Federal Reserve Bank of Philadelphia
06.2005 - 12.2009
- Conduct examinations of state member banks, bank holding companies, and financial holding companies in the Third Federal Reserve District
- Evaluate and assign regulatory ratings to asset quality, capital adequacy, rate sensitivity, liquidity, risk earnings performance, interest management, internal controls, and management quality
- Conduct meetings and interview members of senior management and board of directors
- Collect, analyze, and present aggregate Third District Operational Risk data to department Officers and contacts at Board of Governors
- Community & Regional Supervision
Analyst
PHH Mortgage
10.2003 - 05.2005
- Managed daily liquidity position of a $9 billion balance sheet
- Facilitated interest swaps from daily sales activities for mortgage warehouse
- Performed monthly regression analysis to predict loan sales for month with a 2% margin of error
- Responsible for predicting and establishing cost of funds for company and managing commercial paper needs
- Ad-Hoc analysis on funding costs and warehouse management
- Secondary Marketing-Liquidity Risk Management Team
Junior Analyst
PHH Mortgage
05.2001 - 10.2003
- Responsible for monthly best execution of FNMA/FHLMC/GNMA pools and aged inventory
- Pooled and Designated Mortgage backed securities to be sold and traded
- Developed policies and procedures supporting funds management processes
- Secondary Marketing
Junior Staff Accountant
GE Capital Mortgage Services
05.1998 - 03.2001
- Responsible for reconciliation of Treasury Suspense and Main Bank accounts
- Performed variance analysis for various income and expense accounts
- Booked adjusting and reversing general ledger entries
- Provided external financial reporting and monthly closing
- Corporate Accounting
Education
B.S. - Accounting
Rowan University
12.2002
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Federal Reserve Board of Governors SR 98-2 Training Program
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Stonier School of Banking
01.2021
Skills
- Problem-solving
- Project management
- Detail-oriented
- Strategic planning
- Process improvement
- Team leadership
- Project coordination
- Interpersonal skills
Timeline
Program Manager
Federal Reserve Bank of New York
12.2023 - Current
Supervising Bank Examiner-Credit Risk/Problem Bank Specialist
Federal Reserve Bank of New York
05.2015 - 12.2023
Senior Bank Examiner/Central Point of Contact-Commercial Bank/Savings and Loan Holding Corp.
Federal Reserve Bank of Philadelphia
07.2011 - 05.2015
Commissioned Bank Examiner
Federal Reserve Bank of Philadelphia
12.2009 - 07.2011
Assistant Examiner II
Federal Reserve Bank of Philadelphia
06.2005 - 12.2009
Analyst
PHH Mortgage
10.2003 - 05.2005
Junior Analyst
PHH Mortgage
05.2001 - 10.2003
Junior Staff Accountant
GE Capital Mortgage Services
05.1998 - 03.2001
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Federal Reserve Board of Governors SR 98-2 Training Program
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Stonier School of Banking
B.S. - Accounting
Rowan University
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