Walter John Smiechewicz

➢ Experience and a deep slate of accomplishments in financial services as a Chief Risk Officer (CRO) and Chief Audit Executive (CAE), as well as in the Big Four. ➢ Leadership in both roles position me as an agile executive who truly understands risk and allows me to work collaboratively and coordinate with all risk, governance, and control groups across the enterprise. ➢ Comprehensive understanding of the Heightened Standards ("HS"). I have assisted BHCs in the following: training on the HS, gap assessments against HS expectations, implementation plans to close identified gaps, risk appetite in-line with strategic objectives, risk metrics and continuous monitoring, policies and procedures, effective structure of the 3 Lines of Defense, risk taxonomies, identifying risk themes across business units and geographies, risk reporting at the executive and board levels, guidance on all regulatory expectations.. ➢ Broad technical experience in the areas of operation risk including: RCSAs, internal and external loss data, risk aggregation, compliance, loan review, cybersecurity, DR/BCP, model governance, new product governance, corporate security and fraud investigations, third party risk management, internal controls, root cause assessments,and Sox. ➢ My expertise includes building and leadership within internal audit departments including all aspects of the International Professional Practices Framework (IPPF) and SR 13-1, strategic direction, establishing the charter and mission of internal audit (IA), developing the IA universe and risk based plan, audit plan execution, and communication of results to management and the Audit Committee of the board of directors. ➢ Hands-on experience working with regulators at both the examiner and leadership levels with a comprehensive knowledge of financial services regulations. Managed all aspects of the exam cycle including the execution of remediation plans to close MRAs, MRIAs, and other regulatory consent orders. ➢ Successful in implementing results oriented applications of data analytics and ongoing monitoring protocols. I have evidenced this by consulting activities at Audit Integrity, my use of Benford's Law of digitary analysis (published by the ACFE), and the development of metrics to enhance risk monitoring. Additionally, I have designed and implemented an enterprise-wide GRC technology tool including RCSAs with real-time observation and aggregation of risk as well as internal controls and governance mechanisms for optimizing risk management across business lines. ➢ Recognized communication skills including presenting challenging reports in a collaborative and solution oriented approach to management, the executive suite, third parties, and the board. ➢ Diverse professional experience has provided me with an agile DNA to adapt to challenging environments and has given me the platform to maintain relationships with regulatory agencies, peers at other banks, business leaders, and industry risk groups.