Summary
Overview
Work History
Education
Skills
Timeline
Generic

Camille Aguilar

San Jose

Summary

Analytical, organized and detail-oriented Risk Manager with 16+ years of experience, including extensive knowledge in Operational Risk and Compliance testing, as well as expert knowledge of Retail Operations. Ability to prioritize and adapt in fast paced environments and focus work on emerging risks. Proficient in evaluating risk for internal controls and oversight, analyzing business processes, and developing reports to executive leadership and key stakeholders. Strong leader and collaborative team player with ownership mentality and a track record of delivering the highest quality output to resolve challenges and propel business growth.

Overview

12
12
years of professional experience

Work History

VP, Control Testing Manager II, Business Risk & Controls Office (BRCO)

Comerica Bank
04.2024 - Current
  • Lead a team that develops and executes the Banking Center (BC) and Small Business Banking Testing and Monitoring Program which includes 300+ BCs to validate that processes and controls function as intended to mitigate risk.
  • Oversee monitoring of Key Risk & Performance metrics to identify early trigger warnings which impact testing schedule and identify ad hoc reviews.
  • Oversee the execution of banking center fee oversight to ensure fees are assessed in line with disclosures and applied as directed in bank policy and procedures.
  • Oversee the execution of Sales Practice reviews, Retail Incentive Plan design and testing for 6 plans, campaign oversight, and third-party credit card research and escalations.
  • Oversee development and integration of testing and monitoring results with Risk Programs including Risk & Control Self-Assessments, RCSA, BRCO Control Testing Teams, Issues Management, Fee Oversight, Compliance.
  • Provide aggregate results and insights on Key Risk and Performance Indicators to support Retail Leadership strategies.
  • Provide oversight on FLOD Market Operations to ensure effectiveness of monitoring and provide recommendations for remediation of control gaps.

Banking Center Regulatory & Operational Risk Manager, VP

Comerica Bank
06.2023 - 03.2024
  • Developed a Banking Center (BC) Risk Assessment to understand risk across 400+ BC footprint and implemented risk-based Testing Program within the FLOD to ensure controls were operating effectively and efficiently and colleague performance ratings.
  • Provided oversight to ensure internal processes and procedures align with regulatory, policy compliance and control mitigation for BCs and Market Operations.
  • Managed internal and external reviews, including remediation of issues identified.
  • Lead the development and execution of monitoring activities for high-risk processes (e.g. Loss Data, Retail Covered Paid Time Off, Reg CC, Reg E, Alarm Testing, Dodd Frank).
  • Implemented a weighted performance operations scorecard for BCs to ensure accountability and focus on compliance and customer impact.
  • Provided Retail Leadership and Corporate Partners with aggregate reporting utilized for early identification of gaps and/or systemic issues across the footprint.

Operational Risk Manager, VP

Bank of the West (acquired by BMO from BNP Paribas)
San Jose
03.2020 - 06.2023
  • Managed team of 13 Testers, including 4 contractors based in Canada, that performed Enterprise control & transactional testing and issue validation, including validation of Regulatory requirements.
  • Developed and maintained the Annual Testing Plan using a risk-based approach which included 500+ branches within 19 states across the U.S.
  • Updated internal risk policies to accommodate new business processes and desktop procedures and templates to create efficiencies and better understanding of the process for all team members.
  • Developed a hybrid model for branch testing which consisted of onsite, remote, and targeted testing which identified key Compliance and Operational Risk Issues to the Bank.
  • Developed and maintained strong relationships across the FLOD and SLOD Risk Teams, Compliance, and other Business Partners.
  • Awarded President’s Club in 2021 for the Corporate Risk Department.

Senior Operational Risk Testing Officer, VP

Bank of the West (acquired by BMO from BNP Paribas)
San Jose
04.2016 - 02.2020
  • Promoted from an Operational Risk Testing Officer, AVP in December 2017.
  • Executed testing to assess the effectiveness of the bank’s existing controls to validate the control environment, including identification of gaps.
  • Managed the Annual Test plan which included completion of 68 onsite branch reviews.
  • Executed and provided oversight for issue validation activities to assess the adequacy of action plans that address the risk and control issues identified during previous reviews.
  • Maintained strong relationships across the FLOD/SLOD Risk Teams, Compliance, and key stakeholders.
  • Provided reports for Senior and Executive management which included identification of system issues that included root causes and recommendations for remediation.
  • Completed a Business Process Risk Management pilot to train the business on how to create process flows and identify key controls.

Bank Operations Control Group Officer, AVP

Bank of the West (acquired by BMO from BNP Paribas)
San Ramon/Livermore
10.2014 - 03.2016
  • Executed and managed a test plan within the FLOD for 60+ branches in California.
  • Executed Compliance and Operational Risk testing, developed reports, and provided results to key stakeholders under the Service Level Agreements with high quality of work.
  • Trained new testers onboarded, which included expertise in markets and testing efficiencies.
  • Participated in a peer-to-peer program, branch review streamlining committees, monthly monitoring of Customer Due Diligence, and non-branch testing assignments.
  • Awarded the Q2 2015 Quarterly Recognition for Enterprise Risk Leadership.

Education

Bachelor of Science - Accounting & Financial Management

Sonoma State University
Rohnert Park, CA

Skills

  • Compliance and Operational Risk Management
  • Risk assessment
  • Process Improvement
  • GRC Tools (Archer, Aurora, Forum, Workiva)
  • Microsoft Suite (Word, Excel, PowerPoint, Visio)
  • Analytical, forward, and critical thinker
  • Problem solving
  • Ability to prioritize, create order, multi-task and work in a fast-paced environment
  • Leadership and Performance Management
  • Ability to build relationships and collaborate with other teams
  • Exceptional oral and written communication
  • Adaptable in a changing environment

Timeline

VP, Control Testing Manager II, Business Risk & Controls Office (BRCO)

Comerica Bank
04.2024 - Current

Banking Center Regulatory & Operational Risk Manager, VP

Comerica Bank
06.2023 - 03.2024

Operational Risk Manager, VP

Bank of the West (acquired by BMO from BNP Paribas)
03.2020 - 06.2023

Senior Operational Risk Testing Officer, VP

Bank of the West (acquired by BMO from BNP Paribas)
04.2016 - 02.2020

Bank Operations Control Group Officer, AVP

Bank of the West (acquired by BMO from BNP Paribas)
10.2014 - 03.2016

Bachelor of Science - Accounting & Financial Management

Sonoma State University
Camille Aguilar