Liam A. Waddell
Director of Risk Management, Regional banking
Charlotte, NC · (405) 555 0164 · name@example.com · linkedin.com/in/liamawaddell
Key Qualifications
EXPERIENCE
Fourteen years in banking risk, six of them leading a second line function
INDUSTRIES
Regional banking, commercial lending, deposit and payments operations
SPECIALTIES
Enterprise risk framework, risk appetite, key risk indicators, second line challenge
SYSTEMS
Archer, AuditBoard, Workiva, Tableau, Snowflake
CREDENTIALS
Financial Risk Manager, Global Association of Risk Professionals
EDUCATION
Master of business administration in finance, University of North Carolina at Charlotte
Results at a Glance
188
In eighteen months
300
Controls that tested
240
First line managers
Executive Summary
Director of risk management reporting to the chief risk officer of a regional bank, with fourteen years across credit, operational and enterprise risk. Owns the risk appetite statement, the key risk indicator library and the second line challenge of the business. Leads a team of seven.
Signature Achievements
- Rewrote the risk appetite statement into eleven measurable limits, each with an owner and an escalation path, and the board approved it without amendment.
- Built a library of forty two key risk indicators reported monthly, replacing a set of narrative commentaries that carried no thresholds.
- Cut open operational risk issues from 188 to 63 in eighteen months by giving every issue a named owner and a hard date.
- Led the risk and control self assessment refresh across nine business lines and retired 300 controls that tested nothing.
- Raised an early warning on concentration in one commercial real estate segment, and the limit was tightened nine months before values softened.
- Trained 240 first line managers on their control ownership responsibilities under the three lines of defense model.
Professional Experience
Director of Risk Management
Queen City Federal Bank, Charlotte, NC 2021 to present
Second line risk function of seven reporting to the chief risk officer at a bank with 9 billion dollars in assets.
- Owns the enterprise risk framework, the risk appetite statement and quarterly reporting to the board risk committee.
- Challenges first line risk and control self assessments and requires evidence before accepting a rating.
- Sets key risk indicator thresholds with business heads and escalates breaches to the chief risk officer.
- Chairs the operational risk committee that reviews loss events, near misses and new product risk.
- Coordinates the annual stress testing scenarios with treasury and credit risk teams.
Senior Manager, Operational Risk
Piedmont Anchor Bank, Greensboro, NC 2017 to 2021
Managed operational risk coverage for retail banking, payments and vendor arrangements.
- Introduced loss event reporting that captured 400 events a year where the bank previously logged fewer than forty.
- Built the vendor risk review program covering 190 suppliers ranked by criticality.
- Reported operational risk results to the executive risk committee every month.
Credit Risk Analyst
Catawba Line Financial, Rock Hill, SC 2012 to 2017
Analyzed commercial credit exposures for a lender serving manufacturers and distributors.
- Reviewed borrower financial statements and recommended risk ratings on 120 relationships a year.
- Produced the quarterly portfolio concentration report used by the credit committee.
Licensure and Certification
Financial Risk Manager, Global Association of Risk Professionals
Member, Risk Management Association
Education
Master of business administration in finance, University of North Carolina at Charlotte, Charlotte, North Carolina
Bachelor of science in business administration, Appalachian State University, Boone, North Carolina
Core Skills
Enterprise risk framework · Risk appetite setting · Key risk indicators · Operational risk · Credit concentration analysis · Board risk reporting · Vendor risk review · Team leadership · Archer · Tableau