ELIZA ANNE NOWAK

• Identify and manage existing and emerging risk that stem from business activities
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled
• Direct staff and initiatives that support risk and control management programs, to include governance support, risk oversight, risk infrastructure development, risk identification, quantification, aggregation, and emerging risks
• Advise senior management and influence process change
• Build and manages a high performing team of risk and internal control professionals through recruitment, training, coaching, performance management and related managerial activities
• Manage consulting relationships with internal and external clients regarding budget and implementation deliverables and risk mitigation plans as appropriate
• Partner with key stakeholders in the business and oversees the identification, assessment and documentation of risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and/or third-party operations
• Review, communicates, and recommends the development of governance policies and procedures in partnership with senior leaders to ensure appropriateness and adequacy versus industry best practices and regulatory requirements
• Provide counsel to business unit managers on risk management issues and supports the evaluation of new product strategies on their impact the Bank's risk profile
• Educate risk owners on risk/control best practices and may work with other lines of defense in the development and implementation of controls
• Manage processes for collecting accurate and complete internal loss data from business areas
• Direct analysis and data mining initiatives that identify, validate, and manage emerging risk exposures, as necessary
• Assist in the early identification of risk trends by establishing and monitoring key performance and risk indicators
• Oversee the preparation of key reports and communications and may present to governance committees, senior leaders, regulatory bodies, and JP Morgan's Board of Directors

Manage Underwriting teams by overseeing all Credit related matters, KPI’s and employee performance. Developed roadmap for roll-out and adoption of new initiatives and capabilities across business segments, clients and employees including serving as the North America Diversity and Inclusive Leader. Led Global teams with over 100 associates.

• Streamlined operational efficiencies by designing and implementing performance metrics, resulting in a single source tool that provided detailed oversight for Underwriting and Operation leaders
• Led high-profile, cross-functional strategic initiatives, from both process management and thought leadership perspectives
• Prepared and led training improvements that reduced knowledge gaps and eliminated workforce inefficiencies
• Led qualitative and quantitative analysis initiatives resulting in higher accuracy across the Banking portfolio
• Reviewed Bank risk and compliance programs through risk assessments and testing to maintain full compliance in a changing regulatory environment.
• Evaluates business process changes and advises management of impact to regulatory and operational risk.
• Recommends action plans for Bank initiatives that have risk and regulatory impact for Underwriting.
• Reviewed summary and credit approval reports documenting credit analysis and supporting information for credit decision recommendations
• Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions
• Inspected financial statements, credit information and title data to complete underwriting process
• Cultivated and maintained positive working relationships with employees and stakeholders to ensure seamless operational efficiencies
• Improved staff morale by optimizing workload to manage work-life balance while in the office or remote resulting in meeting high performance results and associate engagement

Led, trained, mentored, and coached over 150 associates globally and worked closely with other stakeholders to quickly address issues and implement effective solutions. Directed day-to-day operations by spearheading implementation of short-term and long-term strategies to achieve business plan and profitability goals

• Managed cash application and loan servicing teams for multiple business platforms processing approximately $50B in cash transactions per month
• Oversaw risk management for AML, OFAC, and SOF including serving as the Liaison between KYC, Compliance, Audit, and LOB's
• Led projects to increase productivity and reduced defects
• Managed team performance and expectations through consistent metric reviews, training and root cause analysis
• Drove performance metrics down 45% from prior year end, while decreasing cycle time
• Supported various Securitization ventures projects to develop and train employees on process and product
• Closely monitored the performance of portfolio to achieve targets
• Trained staff on complex accounting functions, deal reconciliation
• Resolved problems proactively and decisively, applying business acumen and sound judgment
• Examined problem-solving concepts, including quantitative methods and techniques and approaches that optimized organizational operations and facilitated decision-making
• Trained, mentored and supported high-performing team, providing regular performance review, feedback and coaching in deficient areas

Led and coached employees on technical and customer matters including credit agreement interpretation, system setup, loan structures, and ongoing system modifications. Managed the operations on all trading activity with Capital Market

• Approved all loan activity (new deal, restructurings, fundings, repricing, payments)
• Created training for operational policies, procedures, reports, and metrics
• Served key role in organizational project teams to drive operations process improvement initiatives
• Troubleshot highly complex, unusual or problematic issues collected and organized all loan documents for underwriting