Credit and Operations Risk Manager
Beth Ann Pitzer
15 Independence Street, Atlanta, GA 30318
email@example.com • 404-840-5971
professional and former Safety and Soundness Examiner possessing more than 15 years of experience in a variety of sectors relative to the banking and financial industries. Proficiencies within though not limited to comprehensive risk assessment and resolution, auditing and process review, strategic relationship development, credit/financial analysis and surveillance, and the generation of programs to improve upon
Building Strategic Relationships
Optimal Communication Skills
Education / Additional Training
of Business Administration in Economics and Finance - Stetson University
Continuing Education in Upper Division
Accounting - Georgia State University
Risk Management (A Practical “CAMELS-based” Approach) 2012 American Bankers
Commercial Real Estate - Federal Financial Institutions Examinations Council
Advanced Commercial Credit Analysis - Federal Financial Institutions Examinations
Practical Credit Skills for Bank Examiners - Deannco Financial Enterprises
Insurance, Leadership Dynamics, Fundamentals of Fraud, Real Estate Lending – Federal
Reserve Bank System Development
Pitzer Risk Management Services, Atlanta, GA 2010-Present
Comprehensive oversight of preventive
measures specific to organizational compliance with regulatory requirements,
including Dodd Frank and regulatory letters through the Risk Management
Committee. Provided the Board with updates on the bank’s regulatory status.
Implemented Risk Management Culture and
Framework for a regional institution; and, ensure the Risk Management Committee
is conducted in accordance with the Risk Management Committee Charter.
Compiled, reviewed, and delivered
recommendations for management’s timely response to regulatory findings,
solidifying strategic business relationship with the Federal Reserve.
Researched various regulatory issues
including non-accrual, Allowance for Loan Loss, insider activities, appraisals,
and purchased loans, to verify examiner directives for compliance with their
Ensured that Risk Management Committee agenda
items were reflective of the Risk- Focused List (Quarterly Report) and were
representative of the overall risk profile of the organization and that
management’s plans were adequate.
Identified specific areas where the regulators required guidance in adhering to established processes. Through
this action, supported regulators in renewed focus upon tasks and importance of each initiative. Ultimately, saved the organization approximately $5.4MM in provision expenses.
Collaborated with U.S. congressman (Banking and Finance Committee) that supported the performance of a GAO review
of the financial service regulator practices, and resulted in the finding that regulators were being inconsistent in the application of their own guidance.
Trained executive management on risk identification methods, managing risk appetite/profile, proactive risk management, and risk intelligence/maturity. Developed a report to quantify, monitor progress, and maintain satisfactory rating from the bank’s regulator, enabling senior management the ability to strategically plan and obtain an upgrade in all their CAMELS components.
Provided coaching and direction to the bank management team, targeting safety and soundness and risk management when moving bank practices from a community bank to a regional bank. This resulted in a decrease in the number of significant findings in the examination reports and the protection of bank capital and liquidity.
Formalized the proper mix of risk management for a regional bank to manage credit, liquidity, market, operations, legal, and reputation risk which resulted in proactive communications, improved operations, and a decrease in examination findings.
Beth Ann Pitzer Page
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Federal Reserve Bank of Atlanta, Atlanta, GA 2001-2010
Supervision of examiners (up to 15 individuals) while functioning as the examiner-in-charge,
the operations manager, or the asset manager.
Wrote several examination reports and presented findings to Bank Board of Directors.
Staff leadership skills advanced through the delivery of timely and directed feedback to
subordinates, generating documented performance evaluations through an
automated feedback system.
Led due diligence/pre-membership reviews of banks to be admitted into the Federal
Reserve System according to the CAMELS rating system.
Reviewed and classified numerous types of loans including acquisition, development, and
construction loans, commercial real, and several commercial loans (up to $20 million).
Placed several banks and bank holding companies under supervisory action and monitored
Awarded cash awards for leadership and contributions in meeting supervisory mandates and addressing a growing volume of regulatory challenges in 2009; in the supervision of one of the largest and most complex community banks in Georgia; in efficiency and effectiveness of large bank audit functions project; in the efficient and effective risk-focused examination and inspection process for
domestic community bank team manual; and, for being a report writing coach and team player.
Recognized the importance of improving upon the existing relationship between the State of Tennessee and the Federal Reserve Bank (FRB). Shared resources would provide strength within the State’s banking community, and ensure a heightened level of
adherence to FRB guidelines. Ultimately, there was an increase in the number of banks that chose to be part of the Federal Reserve System; and, a new Community Banking Team for Tennessee was established.
Created the first on-the-job training materials on the team to train examiners on leading portions of the exam, as well as, conducting operations, market, liquidity, and credit risk reviews, resulting in more efficient and effective examinations in both banks and bank-holding companies.
Prudential Financial, Atlanta, GA
Internal Control Consultant
- Actualized a project plan to ensure the completion of a Risk Management Inventory, which provided a management
declaration regarding adherence to department’s internal controls and validated the inventories on a quarterly basis.
- Led a vendor management initiative with senior management in operations, legal, and compliance that resulted in the completion
of the Contract Management Policy and Procedures with Risk Management Committee approval.
- As Secretary of the Risk Management Committee, requested by President to help Loan Committee run their meetings using the same
- Recognized by the external auditors for resolving complex risk and control issues in the Trust Department. Alerted senior management to a product that was not strategically aligned, from which the bank exited in 2000, and was appointed to the Trust Administrative Committee for partnering with the area executive to resolve issues.
- Generated the first General Accounting, Trust, and Information Technology programs within the organization.
infrastructure where every department successfully completed a Risk Management Inventory, obtained management attestation to their department's internal controls, and established a project plan to validate independently the inventories on a quarterly basis that resulted in decreased workload by the corporate auditors in Newark, New Jersey.
Managed two annual FDIC Improvement Act reviews and streamlined the process to allow for self-assessment as outlined in the risk management inventory, which reduced the hours allocated from 1,200 to 600 annually.
Alerted senior management to a product that was not strategically aligned, from which the bank exited in 2000
- Recognized by the external auditors for resolving complex risk and control issues in the Trust Department. Further, was appointed to the Trust Administrative Committee to assist the area executive in the resolution of certain issues.
Fidelity National Bank Corporation, Atlanta, GA 1993-1996
- Notable distinction specific to the effective
reconciliation of undervalued and challenging accounts.
Audit Officer (1993– 1996)
- Selected to support the external auditors in
completing the Trust Fund and Administration Review projects.
- Developed a risk assessment plan for the IT area
that received a “top” rating from the Office of the Comptroller of the
- Established audit programs for the brokerage
subsidiary and the mortgage subsidiary, and these initiatives to review Bank
Holding Inter-company transactions.
- Sanctioned distinct efficiency recommendations for bank operations, which led to approximately $100,000 in cost savings to the