Talitha Leal

Providing independent consulting on risk management, regulatory compliance, process optimization, and governance to clients in financial services and related sectors.

- Actively manage a personal investment portfolio focused on equities, sector analysis, and risk-adjusted strategies across various market conditions. - Conduct fundamental and technical research on companies, macroeconomic trends, and regulatory impacts to inform buy/sell/hold decisions. - Apply risk management principles (position sizing, diversification, stop-loss discipline) to preserve capital and achieve consistent long-term returns. - Stay current on financial regulations, SEC filings, earnings reports, and market developments to enhance decision-making.

•Spearheaded the development and execution of integrated In-Business Regulatory and Audit 1LOD Oversight Programs across two US Banks, driving program engagement, collaboration, and risk mitigation. - Regulatory Compliance Oversight, Regulatory Remediation Oversight, Review and Challenge, Governance Reporting, Regulatory Exam Management and Support, Regulatory Gap Analysis, Issue Management,Cross-Functional Collaboration.

- Data Integrity Officer (DIO) - Accelerated regulatory reporting implementation by 6 months, resulting in ~ $3.8B additional capital available, supporting business expansion. - Key business partner supporting enhancements across Credit Risk internal processes and programs. Contributed for the identification, assessment, monitoring, and reporting of emerging risks affecting the business. Supported issues and change management (including regulatory) programs. - Expertise: Risk Management Program Enhancement,Policy and Procedure development,Portfolio & Risk Reporting and Metrics, Risk Assessment Framework, Issue Management and Resolution,Regulatory Interaction, Workout and Credit Risk Support.

Performed Independent oversight and challenge across CCAR/Capital Planning (Including DFAST) and Risk Management activities by leveraging regulatory and firm’s frameworks and standards, assessing the effectiveness and efficiency of processes, recommending improvements to improve delivery at scale. Expertise: Risk Review and Challenge, Quality Assurance Review, Issue Management, Risk and Regulatory Oversight, Risk & Compliance Assessment, Committee Management, Regulatory Remediation, Risk Mitigation, Reporting and Governance, Process Improvement, Regulatory Guidance, Change Management.

Formerly GE Capital Consumer Finance business. •Managed the end-to-end Operational Risk Scenario Analysis Program, collaborating with various stakeholders to develop and quantify scenarios. •Spearheaded the development and implementation of a comprehensive OP risk scenario analysis framework, policies, and procedures, aligning them with relevant regulatory requirements and industry standards. •Recognized for outstanding contributions to the development and management of the Operational Risk Scenario Analysis - Awarded for ensuring rigorous adherence to regulatory requirements in stress testing scenario development and risk quantification.

•Supported Capital Planning activities, including stress testing analysis, development of Capital Plan and DFAST narrative, management of Capital Management Committee, development of policies, procedures and job aid. •Developed and executed comprehensive capital planning strategies, ensuring alignment with the organization's growth objectives and regulatory requirements. •Fostered collaborative relationships with finance, risk management, and business unit teams, ensuring that capital initiatives were closely aligned with the organization's strategic goals, resulting in effective capital utilization and risk management. - Consistently demonstrated exceptional leadership in risk management, particularly in the area of capital planning and stress testing. •Supported the development of policies, procedures, process maps, RCSA, financial models, risk assessments, metrics and reporting, internal controls, regulatory documentation.