Speakers List - Cyber Risk North America

Keynotes & Keynote Panelists

KEYNOTE: Brendan Goode

MD, Global Head of Cyber Risk


Brendan Goode is a Managing Director and the Global Head of Cyber Risk at Citigroup. Brendan is responsible for improving cyber risk management, strengthening controls, and overseeing independent assessment and credible challenge activities in order to reduce the exposure to current and emerging cyber threats to vital assets, reputation, and operations.
Brendan joined Citigroup in 2017 from Deutsche Bank where he was previously a Managing Director and the Global Head of Information Security Operations and the Regional CISO for United Kingdom & Ireland. During his time there, Brendan led a 24x7 global team focused on the active detection and countering of cyber threats through the delivery of cyber threat management, security incident response, malware response, forensics investigations, vulnerability management, and data leakage prevention. He was also responsible for the implementation of the global CISO strategy across lines of business in the region.
Prior to his tenure at DB, Brendan was a Senior Executive Service (SES) member and the Director of the Network Security Deployment (NSD) at the Department of Homeland Security (DHS). In this role, he was responsible for the design, delivery and production support for intrusion detection, prevention and analytic capabilities. These systems, referred to as EINSTEIN, provided an active defense capability against highly-advanced and sophisticated cyber threats. Brendan also led technical efforts to establish information sharing capabilities between public and private sector organizations in order to improve the overall security of critical infrastructure systems. His efforts resulted in a NIST Innovation Award and a CSO40 Award for initiatives that demonstrate outstanding business value and thought leadership.
Prior to joining DHS, Mr. Goode was at Booz Allen Hamilton. During his time there, he provided strategic and technical guidance in the areas of systems engineering and integration, program management, policy and governance, and acquisition services to senior executives in DHS and the Department of Defense (DoD).
Mr. Goode holds a Bachelor of Science Degree in Electrical Engineering from the Virginia Polytechnic Institute and State University and a Master of Science Degree in Electrical Engineering from the University of Central Florida.

Aengus Hallinan

Managing Director- Group Operational Risk Management & Business Continuity


Aengus Hallinan is Managing Director and Global Head of IB Operational Risk at Credit Suisse, based in New York where he is also Regional Head of Operational Risk for the Americas. Mr Hallinan joined Credit Suisse in May 2014. Prior to that he worked for 19 years at UBS in a variety of roles in Equities, most recently as Managing Director and Chief Operating Officer for Global Equity Derivatives. Mr Hallinan began his career at Swiss Bank Corporation in London and has substantial international experience having been based in London, Tokyo, Hong Kong and New York.

Thomas Kartanowicz

Head of Information Security


Tom Kartanowicz has been Head of Information Security for Natixis CIB Americas since 2012, having joined the Firm in 2007. Prior to joining Natixis, he was a Systems Administrator at Principia Partners and, earlier, for New York University.

Mr. Kartanowicz is a member of NY Metro Infragard and the NY Metro Chapter of ISSA. He holds a CISSP and CISM.

Mr. Kartanowicz holds an MS, Information Technology from University of Maryland University College and a BS, Computer Science from New York University.

Mr. Kartanowicz has appeared as a panelist and presenter at Technology Managers Forum, CISO Summit NY, NetSPI Executive Leadership Luncheon and GFMI Vendor Risk Management conferences.


KEYNOTE: Howard Whyte

Chief Information Security Officer (CISO)


Howard Whyte currently serves as the FDIC's Chief Information Security Officer (CISO). Mr. Whyte has more than 20 years of information technology and security experience in the federal government, military, and private sector.
Most recently, Mr. Whyte led the global Threat Management Center at Goldman Sachs, focusing on cybersecurity detection, protection, response, and recovery capabilities. Previously, Mr. Whyte was at NASA, where he served as the acting CISO, Deputy CISO, and an information technology specialist.
Earlier in his career, Mr. Whyte was a Senior Information Assurance Officer in the U.S. Army Network Enterprise Technology Command (NETCOM and Defense Information Systems Agency), a telecommunications manager at Interim HealthCare, and a U.S. Army information management officer.
Mr. Whyte has a bachelor's degree in business management from the University of Maryland and a Master of Business Administration from the University of Phoenix.

David Canter-McMillan

Function Head for Operational Risk


David Canter-McMillan is the Function Head for Operational Risk, reporting to the Bank's Chief Risk Officer. Mr. Canter-McMillan oversees the Bank's operational risk management framework. Mr. Canter-McMillan is also a member of the Bank's Operations Services Sub-Committee and Business Continuity Incident Response Team.

Mr. Canter-McMillan joined the Bank in 2017, after a 15-year career in the financial industry, having served in a variety of management roles in operations and risk management, supporting global fixed income and commodities sales and trading businesses.

Mr. Canter-McMillan holds a JD from the Cardozo School of Law at Yeshiva University and a BA from Eckerd College. Mr. Canter-McMillan was also a Squadron Legal Fellow at Wolfson College, Oxford University, where he researched harmonization opportunities across European Union legal regimes for racist and xenophobic internet content and also taught legal research and writing


Michael J Abriatis

Executive Vice President, Chief Operational Risk Officer


Michael J. Abriatis serves as PNC's Chief Operational Risk Officer. His is responsible for leading the PNC Operational Risk program. This includes both defining and implementing the PNC's Operational Risk program as well performing independent risk management activities.

He previously served as Chief Operating Officer for Corporate and Institutional Banking. In this role he was responsible for building the C&IB Business Risk Office as well as client analytics, communications, sales reporting, Canada Branch oversight, continuous improvement projects, and client experience initiatives.

Abriatis joined PNC in 2003 and has held numerous positions across PNC. Previous positions include Sr. Basel Program Manager, CFO Corporate Banking, CFO Wholesale Bank (National City Bank), Sr. Sourcing Manager and Business Improvement Consultant.

Michael has an undergraduate degree from Washington & Jefferson College and a MBA from Case Western Reserve's Weatherhead School of Business.


Michael Barry

Executive Director, Head of Operational Risk


Michael Barry is an Executive Director and Head of Operational Risk and Information Security. Mr. Barry, who has nearly 20 years' experience in financial services, is responsible for identification, monitoring and control of the Operational Risk and Information Security functions.

Prior to joining the Americas Platform, Mr. Barry was a Director - Asia Pacific Head of Operational Risk, based in Hong Kong, and before that a Vice President, Asia Pacific (ex-Japan) Global Markets Business Management, Planning and Strategy at Nomura International. Prior to joining Nomura, Mr. Barry worked at DTCC and Citigroup.

Mr. Barry holds a BS in Economics from the University of London and a MBA - Finance, Business and Management from Hong Kong University - School of Business and Management.



Chief Risk Officer


Uniper Chief Risk Officer since February 2016. Before, Novera has been leading the Market Risk department of Uniper Global Commodities since April 2014 and before that led the Gas, Oil & LNG Risk team. Novera has extensive experience in the energy industry and has held various Senior Risk Management positions across multiple markets and companies in the US and Europe.


Deputy Assistant Secretary


Rick Driggers serves as the National Protection and
Programs Directorate (NPPD) Deputy Assistant Secretary
for the Office of Cybersecurity and Communications
(CS&C) where he supports the development and
implementation of operational programs designed to
strengthen the security and resilience of the nation's
critical infrastructure.

Prior to this position, Rick served as the Principal Deputy Director for Operations for the National Cybersecurity and Communications Integration Center (NCCIC),Department of Homeland Security (DHS). He joined
DHS in 2003, serving in a variety of roles. Of note, he
was the Chief Technology Officer for the National
Protection and Programs (NPPD). Additionally, he supported the President's National Security Council as
the Director for Data and Systems Integration Policy and
the lead for developing the Climate Resilience Toolkit called for in the Presidents on Climate Action Plan. Before being appointed to the Senior Executive Service, Rick held multiple senior management positions within NPPD and the Office of Intelligence and Analysis.
A former United States Air Force Combat Controller, Rick deployed as a member of many U.S military and international Special Operations Forces operational and tactical teams conducting high risk mission in austere environments. He has received multiple military awards and decorations to include the Jumpmaster Parachutist Badge, the Military Freefall Jumpmaster Badge, Special Operations Combat Diver Badge, and the U.S. Army Ranger Tab.

He holds a B.S. in Applied Science and Technology and is a graduate of the Harvard Kennedy School of Government Senior Executive Fellows Program.



Manan N. Rawal

Regional Head of Independent Model Review & Governance


Manan is currently a Senior Vice President at HSBC where he focuses on stress testing and enterprise wide risk management. Previously, he was Regional Manager of OTC Derivatives Pricing and Risk for HSBC's securities services division which involved evaluating client portfolios across multiple asset classes and strategies in the alternative investment space. Manan also worked at Deutsche Bank, Swiss Re and DKR Capital. At DKR, he ran a portfolio focusing on global volatility trading across convertible bonds and equity derivatives. His experience covers portfolio management for derivative products as well. He is also an adjunct faculty member at the New York Institute of Finance. Manan specializes in courses related to the trading and risk management of derivatives across asset classes, including equity, fixed income, foreign exchange and credit. His course offerings have also included stress testing, Asian capital markets, and structured products.
Manan has a B.S. Finance from the Wharton School at the University of Pennsylvania, M.Sc. in Economics from the London School of Economics and an executive MBA from the Trium program.

Anthony Vigilante

Head of Global Information Technology


Anthony is a Managing Director and head of the Global Information Technology group at MacKay Shields. He graduated from New York University with a BS in Information Systems Management and from Fordham University with an MS in Computer Science. Anthony also holds an Advanced Certificate in Financial Econometrics and Data Analysis from the Graduate School of Arts & Sciences at Fordham University. He regularly speaks at various technology conferences and is significantly involved with the Computer Science program at Fordham University. He joined MacKay Shields in 1999 and has been in the industry since 1994.

Jack Freund

Director, Cyber Risk Framework


Dr. Jack Freund is a leading voice in Information Risk measurement and management with experience across many industry segments. Jack is currently Senior Manager, Cyber Risk & Controls at TIAA-CREF. Jack was awarded a Doctorate in Information Systems and holds the CISSP, CISA, CISM, and CRISC designations. Jack is the coauthor of Measuring and Managing Information Risk: A FAIR Approach. You can follow all Jack's work and writings at riskdr.com.

Nikki Covino

Regional Head of Business Continuity Americas


Nikki Covino is the Regional Head of Business Continuity for Credit Suisse (CS). In this role, she is accountable for Business Continuity for all CS offices in North and South America. In her role as part of the risk organization, she is responsible for review and challenge of all business plans for contingency and for governance of Disaster Recovery testing. In addition, she is the lead Crisis Manager for the region and has led many events over the past 12 years including hurricanes, earthquakes, blackouts, fires and IT outages.

Prior to Credit Suisse, Nikki worked at Merrill Lynch in the FX Technology area. As part of that role, she assisted in the development of a Risk system for trade matching.

Nikki earned her bachelor's degree in Economics from University of Massachusetts, Amherst. She currently lives in Manhattan with her husband and 2 teenage daughters.


Henry Jiang

Head of Cyber Risk


John Polis

Chief Operating & Technology Officer


John W. Polis is an entrepreneurial information management and business operations leader with a 20+ year track record of creating and enhancing technology enabled businesses and building platforms that allow for significant scale.
Prior to joining Star Mountain Mr. Polis was a Founding Member, COO and CTO for Visionary Access, Inc., an Investor and Business Development platform, where he oversaw sales and integrated marketing, finance and accounting, client servicing, human resources, and information technology platform development.
Prior to joining Visionary, Mr. Polis was COO and CTO for Guidepoint Global, a primary research firm and expert network serving the world's leading Institutional Investors, Private Equity Firms, Consulting Organizations, and Corporations. Brought on in 2011 with a direct turnaround mandate, Mr. Polis changed the operating culture leading positive change in process and people management along with directing significant improvements to their information technology platform guiding the company back to profitability and significant double digit growth.
Before Guidepoint, Mr. Polis served as COO and CTO for Coleman Research Group (CRG), also a primary research firm and expert network where he was recruited immediately after company secured financing. Without delay Mr. Polis led the product management and development effort on their custom built, Web based CRM, Recruiting, and Payment Processing platform - Knowledge BrokerTM - while also being responsible for overseeing all operational areas of the company including research, relationship management, compliance, human resources, and data management. CRG also had a broker dealer arm, Coleman Brokerage Group, for which Mr. Polis served as compliance officer for. During his tenure Coleman Research scaled from 5 to 140 employees worldwide and in 2009 was voted one of Crain's New York "Best Places to Work in New York City".
Earlier in Mr. Polis' career he served as a Co-founder and Executive Vice President Operations and CTO for Dotcom Distribution and Chief Information Officer for the GT Media family of companies.
Mr. Polis holds a BA in Economics from New York University, an MBA in Management from Wagner College and is FINRA Series 63, 7 and 24 licensed. He is also an adjunct at NYU where he teaches graduate level courses in Integrated Marketing Database Modeling and Management. Prior to NYU Mr. Polis was an adjunct at Touro College Graduate School of Technology where taught courses in Database Design and Modeling for Business.

Filippo Curti

Financial Economist- Supervision, Regulation and Credit


Filippo is a financial economist in the Quantitative Supervision and Research (QSR) unit of the Federal Reserve Bank of Richmond. Filippo joined the Richmond Fed in 2014 after earning his doctorate in Finance at the University of Arizona. Prior to moving to the US, Filippo worked one year for Toro Assicurazioni S.p.a. (now Assicurazioni Generali S.p.a.) and obtained his master degree in Actuarial and Statistical Science from the University of Turin. Since he started working for the Richmond Fed he has been heavily involved in Operational Risk as both modeler and examiner. Currently, he is the lead for the Operational Risk SMT and he has been involved with the Operational Risk HET as a core team member and quant lead

Matthew Moog

Principal, Financial Services


Matthew is a New York-based Principal with Ernst & Young's Risk Transformation (RT) practice in the Financial Services Office (FSO). Matthew is the Global leader for Third-party Risk Management for Financial Services and brings over 14 years of experience working in the financial services industry, specifically in Banking & Capital Markets and Insurance. Matthew has experience working with large financial institutions on risk management tools and processes, sourcing/third-party risk management, analytics and regulatory and compliance (i.e. FED/OCC) projects. He has worked on global projects and assisted in international coordination with multiple engagement teams and has been fully dedicated to third party risk management since 2010.

Kelley Chamberlain

Financial Crimes Consultant


Kelley Chamberlain leads a team within Wells Fargo's Global Financial Crimes Intelligence Group focusing on cyber-enabled financial crimes. Prior to joining Wells Fargo, Ms. Chamberlain was an Associate at Booz Allen Hamilton supporting cyber threat intelligence, financial intelligence, and open source intelligence endeavors. Ms. Chamberlain holds the American Bankers Association's CAFP certification, and is a veteran of the United States Marine Corps. Additionally, she has held FINRA Series 7 and Series 66, and COMPTIA Security+ certification, and is pursuing a Master of Science in Applied Intelligence.

Robert Paolino

Former CRO


Robert is an accomplished risk management professional with a solid 24 year career in risk management, banking & regulatory program management. His career spans executive leadership, relationship and financial management roles in the financial services industry.

He is a driven individual who has led, managed and overseen the implementation of risk and regulatory programs for two of the largest International Banks operating in Canada. Robert was most recently the Chief Risk Officer for the Canadian unit for one of the top 10 largest financial institutions in the world.
He has tremendous energy and passion for this industry and has continuously sought to build sustainable and pragmatic solutions for clients with whom he has worked.

He enjoys the complexity and challenge involved in what is essentially a fundamental business service (Banking).


Brenda Boultwood

Senior Vice President of Industry Solutions


Brenda Boultwood is responsible for a portfolio of key industry verticals, including Energy and Utilities, Federal Agencies, and strategic Banking and Financial Services customers. She also currently serves on the Board of the Committee of Chief Risk Officers (CCRO).
Brenda has a rich career in Risk Management. Most recently she served as Senior Vice President and Chief Risk Officer at Constellation Energy. Prior to that, she served as Global Head of Strategy, Alternative Investment Services at J.P. Morgan Chase & Company, where she developed the strategy for the company's Hedge Fund Services, Private Equity Fund Services, Leveraged Loan Services, and Global Derivative Services. During her tenure at J.P. Morgan Chase, Brenda also served as Global Head of Strategic Risk Management for its Treasury Services Group, and Global Business Head of Global Derivative Services for its Alternative Investment Services Group.
At Bank One Corporation, she served as Head, Corporate Market Risk Management and Counterparty Credit, and Head of Corporate Operational Risk Management, before advancing to Head, Global Risk Management for the company's Global Treasury Services Group.

Jack Jones

Co-Founder, EVP Research & Development


Jack is one of the foremost authorities in the field of information risk management. As the Chairman of the FAIR Institute and co-founder and EVP R&D at RiskLens, he continues to lead the way in developing effective and pragmatic ways to manage and quantify information risk. As a three time Chief Information Security Officer (CISO) with forward-thinking financial institutions such as Nationwide Insurance, Huntington Bank and CBC Innovis, he received numerous recognitions for his work, including: the ISSA Excellence in the Field of Security Practices award in 2006; a finalist award for the Information Security Executive of the Year, Central US in 2007; and the CSO Compass Award in 2012, for advancing risk management within the profession. Prior to that, his career included assignments in the military, government intelligence, consulting, as well as the financial and insurance industries. Jack is the author of FAIR, the only international standard VaR model for cybersecurity and enterprise technology. A sought-after thought leader, he recently published 'Measuring and Managing Information Risk: A FAIR Approach', which was recently inducted into the Cyber Security Canon as a "must read" within the profession, and is a regular speaker at industry conferences.

Ashish Dev

Principal Economist


Ashish Dev, Principal Economist, FEDERAL RESERVE BOARD

Ashish Dev is the principal economist at the Federal Reserve Board. He was previously a managing director at JP Morgan Chase Risk Management. Mr. Dev as over 20 years' experience in enterprise risk management and is listed as one of the most published authors by Risk in its 20th anniversary issue. He has been recognized as one of the top faces of Operational Risk for making the field what it is today. He has a Ph.D. in Economics & Finance and holds the CFA professional designation.

Andrew Vesay

Rsam Client Partner


Andrew has been involved in technology for over 27 years, with 20 years in security, risk and compliance. In his role as Client Partner with Rsam he consults with client CISOs and risk teams to help drive integrated risk management strategy. Prior to Rsam, Andrew has significant experience in the development and deployment of risk and security frameworks, risk management methodologies, technology governance, and technical security infrastructure. He has led governance and risk strategy for a major multi-national financial services firm, and consulted with a wide range of organizations and industries.

Sheldon Cuffie



Sheldon Cuffie is vice president and chief information security officer of Northwestern Mutual. Sheldon is an industry thought-leader of 20+ years focused on enabling business outcomes through technology. In his role, he leads a group of cyber-security, information risk, enterprise privacy, and disaster recovery professionals responsible for the protection of client information across Northwestern Mutual's insurance and investment portfolios. In January 2016, he was appointed as an executive officer of Northwestern Mutual.
Prior to joining Northwestern Mutual in 2006, Sheldon served in the Wisconsin Army National Guard for nine years and worked in IT infrastructure and enterprise architecture leadership roles for Kohl's, M&I Bank, Harley-Davidson Motorcycle Company, and Abbott Laboratories.
Sheldon graduated with honors from Concordia University Wisconsin with a bachelor's of arts in Management, and later graduated with honors with a master's of science degree in Organizational Leadership from Quinnipiac University (Hamden, CT) in 2013.

Chris Watson

Executive Director - Global Head of Supplier Assurance Services


Chris is an experienced leader with a focused background in Cyber operations and strategy, as well as Technology risk and controls. In his role as head of Supplier Assurance Services at JP Morgan Chase Chris leads a program that oversees external supplier assessment and risk identification for the firm across various risk domains including: cybersecurity; technology; operations and service category specific risks.
His responsibilities include maintaining a global, firm-wide program surrounding Suppliers and risks posed by outsourcing services to them, as well as ownership of the Third Party Cyber product portfolio. This includes the strategy along with maintaining proper program alignment to the risk posture of the firm in regards to external relationships across all other Cyber products inclusive of key areas such as: technology risk and controls, identity and access management, supplier oversight and assurance, cybersecurity and data usage strategy.

Jerry Caponera

VP Cyber Risk Strategy


Jerry Caponera is the VP Cyber Risk Strategy at Nehemiah Security where he leads the effort to quantify cyber risk in financial terms. Prior to Nehemiah he founded PivotPoint Risk Analytics which focused on cyber risk quantification through value-at-risk modeling and simulations. Jerry has a broad background in cyber, having worked for incident response, malware analysis, and services companies. He has spoken at a number of conferences worldwide including ISS World MEA in Dubai, InfoSecurity Russia in Moscow, and TM World Forum in Nice, France. He holds an MBA from the University of Massachusetts, an MS in Computer Science from the University of Pennsylvania, and a BS in Electrical Engineering from the University of Buffalo.

Afzal Khan

VP, Global Head of IT Security, Risk Mgmt & Compliance


An accomplished senior technology security and risk leader with 20+ years of success in ensuring strong and resilient security (including cyber), governance, risk management and compliance in complex and agile environments. Led organizations to adapt to disruptive technologies for increased efficiency and productivity maintaining robust availability, integrity and confidentiality. Successfully led large and critical project teams, and built powerful security and risk management teams from the ground up.

At present, working as the Deputy CISO at Everest Reinsurance, and oversee cyber security, risk management and compliance functions. Prior to Everest, I led IT security and risk functions at Alliance Capital, a NYC based asset management firm. Prior to Alliance, I have worked at PwC. As an Accounting and CIS graduate from Baruch College of CUNY, my career started with PwC as an Information and Operational Risk Management professional. As part of PwC, I have worked at a number of banks, capital market and insurance companies providing guidance and directions on technology security, risk management and compliance areas.



Andrew Vesay

Rsam Client Partner


Andrew has been involved in technology for over 27 years, with 20 years in security, risk and compliance. In his role as Client Partner with Rsam he consults with client CISOs and risk teams to help drive integrated risk management strategy. Prior to Rsam, Andrew has significant experience in the development and deployment of risk and security frameworks, risk management methodologies, technology governance, and technical security infrastructure. He has led governance and risk strategy for a major multi-national financial services firm, and consulted with a wide range of organizations and industries.

Workshop Speakers

Anthony Shapella

Managing Director – Risk Officer, Liability and Financial Lines Enterprise Risk Management


Anthony Shapella serves as the Risk Officer for Liability and Financial Lines (LFL) at AIG. Anthony's team designs and implements tools to identify, assess, measure and manage risks in the LFL business. Anthony's team specializes in assessing complex, hard-to-model, man-made catastrophe risks such as industrial accidents, mass torts and casualty clash events. The team also leads AIG's assessment of cyber insurance aggregation and catastrophe risk, and has built several industry-leading tools including an aggregation visualization app and cyber scenario model.

Prior to AIG, Anthony worked for Towers Watson where he led consulting engagements with large global companies. Anthony's consulting work focused on helping executives improve their Enterprise Risk Management frameworks and practices, as well as bolstering risk modeling capabilities.

Anthony graduated magna cum laude with Honors from Mount Saint Mary's University and received an MBA with Honors from Temple University's Fox School of Business.

When he isn't working, Anthony loves to surf, fish, read and seek out great coffee, food and craft beer. He lives in New Jersey with his wife and three children.


German Pliego Hernandez

Lead Statistician-Risk Analytics


German is the Lead Statistician for the Operational Risk Analytics Unit at AIG. In this role, German manages operational risk quantitative data analysis supporting AIG's regulatory stress testing, economic capital estimation, and the allocation of those estimates to the business. German develops statistical methodologies for use of cyber risk and other operational risk scenarios, as well as providing statistical guidance for other balance sheet forecasts related to AIG's stress testing exercise. Before working at AIG, German was an associate professor at the University of St. Thomas in St. Paul Minnesota and before that at Purdue University in Indiana, teaching Applied and Advanced Statistics, Data Mining, Machine Learning, Advanced Statistical Software, and Operations Research; all while conducting research in Applied Statistics, Financial Markets and Quality Control. German has a PhD in Statistics from Purdue University; Master's Degrees in Mathematical Statistics from Purdue University, Applied Statistics and Actuarial Sciences from "Centro Interamericano de Estudios de Seguridad Social" In Mexico City, Mexico, Operations Research, and an MBA; and a Bachelor's Degree in Business Administration from "Universidad Autonoma del Estado de Mexico" in Toluca, Mexico.

Michael A. Barton

Director of Operational Risk Quantification and Scenario Analysis


Michael Barton, Head of Op Risk Quantification for Economic Capital, CCAR, and Scenario Analysis
Michael Barton is currently the Head of Operational Risk quantification and risk data analytics at AIG. His role entails leading the modeling efforts for CCAR estimation, economic capital, scenario analysis, allocation, and other analytical support for AIG's risk management framework. Before working at AIG, Michael was the Head of the Regulatory Solutions Quantification group in U.S. Bank's Corporate Treasury Department. In this role, he was responsible for CCAR/DFAST and regulatory capital modeling for Operational Risk, as well as setting up a governance framework for models and analytical tools in U.S. Bank's Corporate Treasury Department. When Michael left U.S. Bank, there were no open MRAs for the CCAR/DFAST Model. Previous to those roles, Michael worked in an actuarial capacity at Sun Life Financial in Boston handling variable annuity reserving, fixed and variable annuity lapse study estimations, and retirement product pricing. He held a similar variable annuity reserving role in Security Benefit Corporation in Topeka, KS before that. Michael has a Bachelor's Degree in Mathematics with an Actuarial Emphasis, and a Master's Degree in Theology.