Ken L.

Risk: 1. Lead ALCO to quickly reduce deposit rates to match drop in Fed Funds and to realized gains in the investment portfolio that was hedging pre-payment risks garnering $100K in gains and pushing COF down by 77bps YoY while maintaining adequate funding for $50mm increase in PPP loans. 2. Created ALLL modelling in the COVID-19 economic environment by leveraging CECL and loan portfolio stress testing methodology. 3. Execute Pandemic Plan in response to COVID-19. Operations: 1. Update all operations policies and procedures annually to· reflect the most current regulation and practices. Stay informed on new developments and ideas that would affect operations. 2. Provide necessary support to branch operations personnel to ensure quality customers service. 3. Ensure daily balancing of all transactions. 4. Conduct adequate training to related staff pertaining to operations. 5. Supervise Bank's Information Technology Officer and BSA Officer. Compliance: 1. Responsible for compliance with changes to regulation and implementations: Implementing comliance with new CA Consumer Privacy Act (CCPA). 2. Adhere and monitor consumer federal and state regulations. 3. Review all advertising material to ensure proper disclosure. 4. Ensure CRA compliance. 5. Participation in community activities to enhance bank image and compliance with the CRA. 6. Conduct quarterly Compliance & Audit Committee meetings. 7. Report and update all compliance requirement to compliance committee. 8. Coordinate and conduct required compliance training to all staff. 9. Coordinate annual ERM self-risk assessment and prepare annual audit plan. 10. Track progress in mitigation of regulatory and internal audit findings.

• Responsible for evaluating internal controls, accounting system and procedures that safeguard the Bank’s assets; ensuring compliance with banking laws and regulations and maintaining reliability and integrity of information. • Established audit procedures and set annual audit plans based on the evaluations from the annual ERA risk assessment and in compliance with regulatory required recurring annual audits. • Enhanced the Bank’s AML system using updated technology to better filter for suspicious transactions, monitoring of high risks accounts and automating suspicious transactions report filings. • Reviewed the credit process, ensuring that all approvals are properly booked and disbursed, documentation is on record and appropriately safeguarded, and that accounts are properly monitored and reviewed in a timely manner in compliance with regulatory and the Bank's lending policies and objectives. • Chaired the IT Steering Committee and managed information security training and annual disaster recovery testing exercises and established a procedure for customer identity theft - red-flag information dissemination. • Responsible for annual vendor management review, outsourced vendor management and GLBA and ERA self-risk assessments.

• Supported the production of the annual regulatory mandated Comprehensive Capital Assessment and Review (CCAR) by gathering data used for forecasting capital requirements for the firm under different (regulatory) Supervisory scenarios, fluctuating market conditions, and changes in regulatory (BASEL III) capital rules. • Supported in the production of the holding company’s Capital Plan.

• Updated capital adequacy model with loan loss history to stress test credit related risk assets and incorporated simulations for Basel 3 related capital requirements effective January, 2015 into results. • Assisted in the monthly production of Board financial package including rate-volume analysis, variance explanations and key ratios. • Assisted in the production of presentations for the quarterly and annual update of the bank’s performance to employees and shareholders.

• Responsible for evaluating internal controls, accounting system and procedures that safeguard the Bank’s assets; ensuring compliance with banking laws and regulations and maintaining reliability and integrity of information. • Established audit procedures and set annual audit plans based on the evaluations from the annual ERA risk assessment and in compliance with regulatory required recurring annual audits. • Enhanced the Bank’s AML system using updated technology to better filter for suspicious transactions, monitoring of high risks accounts and automating suspicious transactions report filings. • Reviewed the credit process, ensuring that all approvals are properly booked and disbursed, documentation is on record and appropriately safeguarded, and that accounts are properly monitored and reviewed in a timely manner in compliance with regulatory and the Bank's lending policies and objectives. • Chaired the IT Steering Committee and managed information security training and annual disaster recovery testing exercises and established a procedure for customer identity theft - red-flag information dissemination. • Responsible for annual vendor management review, outsourced vendor management and GLBA and ERA self-risk assessments.

• Assisted in the compilation, analysis and negotiation of operating expense budget of the Treasury line-of-business which supporting a $24 billion portfolio of investment securities. • Drafted new monthly management reports that included duration and prepayment metrics to analyze and explain actual to budget income variances.

• Assisted in providing weekly liquidity reports and monthly financial reporting from two separate general ledger systems during the bank’s merger with Professional Business Bank.

• Drafted the three-year strategic plan of the Bank with detail financial forecast to comply with Consent Order from banking regulators. • Compiled the operating budget for 2012. • Reduce cost-of-funds by 39 basis points resulting in a saving of $3.9mm. • Contained the impairment expense of Deferred Tax Assets down to $11mm from $71mm through a thorough analysis of tax credit utilization

• Built a model that forecasted the cash flows of the District out to 2014 as part of its relicensing process with the Federal Energy Commission for its hydro-electric business. • Produced the 2011 operating and capital budgets of the District. • Completed migration and upgrading of core processing and payroll systems.

• Managed the engagements of outside auditing vendors for this Asian bank. • Investigated un-reconciled cash items in the bank’s SBA loan processing, funding and servicing departments and whistleblowers’ allegations of loan fraud in its Los Angeles branch while the bank was under a Cease and Desist Order.

Continuing Education Towards MBA