Risk Layering Consultants, LLC is an expert team of associates with a broad range and depth of experience. Engagement teams are selected based upon the needed skill sets for specific and complex risk management projects. Our senior associates are listed herein.
Jeff Puchalski has served as an Executive Vice President with Citi Residential Lending, ACC Capital Holdings, and City National Bank over the past 12 years. His responsibilities included systemic risk management, financial analyses, regulatory compliance, Sarbanes-Oxley, Six Sigma process improvement, mergers and acquisitions, asset divestitures, foreign exchange, cash management, and lending. Jeff was also a Principal with The Secura Group, a Washington, D.C. based financial consulting firm for 4 years. He began his career as a National Bank Examiner with the Comptroller of the Currency reporting to the Multinational Bank Supervision Division; in this role he was a Voting Team Leader for the Shared National Credit Review Program and a member of the Capital Markets and Treasury Activities Committee, focusing on derivatives. He has an Economics BA/Mathematical Statistics Minor from the University of California at San Diego, MBA/Finance concentration from California State University, Los Angeles, and holds Certified Public Accountant (inactive) and Chartered Financial Analyst certificates.
Albert has most recently served as Senior Vice President and Credit Review Executive at Capital One Financial Corporation in McLean, Virginia. Albert’s primary responsibilities were the design and execution of a credit review assurance program for a managed asset portfolio of $165 Billion. Portfolio included national credit card, auto finance, and installment businesses and regional residential mortgage, commercial lending, and commercial real estate businesses. Prior to Capital One, Albert held senior credit positions at PNC Financial Corporation, The Dime Savings Bank of NY, and Wachovia/First Union/First Fidelity. Albert started his career in banking with the US Treasury as a bank examiner with the Office of the Comptroller of the Currency. In addition to his extensive banking and credit risk management experience, Albert is an active member in the financial industries Risk Management Association. Albert holds a B.A. in Economics from the University of Washington in Seattle, WA.
Thomas is a highly experienced commercial and consumer operations executive in the financial services industry. He obtained his expertise in strategic planning, project management, product development, credit underwriting, branch cash and wire operations, loan origination, loan servicing, and quality control for residential and commercial lending institutions while at ACC Capital Holdings, City National Bank, and Home Savings. Thomas is a subject-matter expert and strategic advisor in developing new loan products to build mortgage lending into a major line of business, and in resources utilization, technology and internal controls. He earned a BS in Accounting at Boston College and an MBA at the University of Redlands.
Tony is a Six Sigma, Process Improvement and Strategic Business Development expert. He is a certified Six Sigma Master Black Belt and has 23 years of executive level design, development and implementation experience at companies such as ACC Capital Holdings, Johnson & Johnson, Pfizer Inc., and Allergan Inc. His teams have been responsible for deploying strategic alignment in business processes to be used for cost savings benefits and for creating a competitive business operation in today’s dynamic economic environment. Tony has helped companies save significant dollars in cost reduction initiatives, while improving growth, pipeline and product programs. He is a specialist in Control Systems and has used his technical knowledge to design and lead process improvement initiatives. He holds a Masters of Science in Physics from the University of California Irvine, and a Bachelors of Science in Physics and a Bachelors of Science in Electrical Engineering from Santa Clara University.
Francis is a highly effective audit executive and an expert in control documentation and testing. He is deeply knowledgeable of Sarbanes Oxley internal control requirements and the most effective methods of complying and proving compliance. His experiences at ACC Capital Holdings, Shell, Solutions in Partnership, Inc. and various other companies, including nine years of Big 4 audit experience, has resulted in a seasoned executive across a range of audit and financial functions. Francis has proven to be an effective designer and presenter of internal control, financial audit, technology audit, and financial management training programs. His global work experience includes the US, Europe, Hong Kong, Taiwan, and the ASEAN countries. Francis graduated with a BA Honors from the University of Durham, holds a US Certified Public Accountant license and is a Fellow of the Institute of Chartered Accountants in England and Wales.
Walter has over twenty years of risk management experience analyzing enterprise risks and controls. He most recently directed the Business Controls function of Citi Residential with responsibilities for Quality Assurance, Risk and Control Self-Assessments, and In-Business Compliance. He has significant residential lending regulatory compliance, credit risk analytical skills, project management experience, and loan servicing capabilities. Walter also held management positions at Washington Mutual, IndyMac Bank, California Federal Bank, and Glendale Federal Bank. He is a Six Sigma Champion and Certified Internal Auditor. He holds a BS in Business Administration as an Accounting Major from California State Polytechnic University.
Sung is a process re-engineering expert. He is a certified Six Sigma master black belt, Project Management Professional (PMP), and Production and Inventory Manager (CPIM). Sung was most recently Vice President of Six Sigma Business Development at Citi Residential Lending. He also was the Executive Director of R&D and Project Management at Johnson & Johnson, the world’s largest medical solutions company; Principal at PRTM, specializing in operational effectiveness; Director of Marketing at the Biometrics Division of Motorola, and Senior Manager of Marketing at Scantron. Sung received a MS and BS in Engineering from the University of Washington and an MBA from UCLA.
Kathryn is an established leader in the banking industry with over 23 years of experience in management and risk consulting. Kathryn most recently held senior positions at Wachovia Bank as the State Risk Officer for Pennsylvania/Delaware and the Chief Credit Officer for Pennsylvania/Delaware/Atlantic Region. In these positions, she managed large groups of lenders, workout teams, credit trainers, merger integration teams, and portfolio analysts. She also held management positions at First Union Bank in the credit underwriting, approval, and workout areas. Kathryn holds a BA, cum laude in French Literature from Eastern Michigan University.
Stacey specializes in providing audit and testing of information technology general controls (ITGC) and application controls for clients in financial services, insurance, and health care. Stacey is very experienced in planning ITGC test programs, identifying and documentation of controls, identifying deficiencies, and recommending appropriate control designs and compensating controls. Stacey has worked for KPMG, Toshiba America, Impac Mortgage and other companies. She holds a MBA with an accounting emphasis and a BA from the University of California, Irvine. Stacey also holds CPA, CISA, CIA, CCSA, CMA, and CFM certificates.
Jenny specializes in conducting Sarbanes-Oxley compliance audits including testing the effectiveness of internal control systems with the COSO framework, establishing control matrices to comprehensively measure risk management, and documenting significant process flows. She has also developed and implemented audit plans and participated as a senior accountant in financial statement closings, account reconciliations, and fluctuation analyses. Jenny has a MS in Business Taxation and BS in Accounting from the University of Southern California. She also holds a CPA certificate.
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