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Michael has more than 25 years in the financial services industry and for the past 18 months has been Executive Sponsor of the bank’s CECL Program. He began his career at Citizens in 2013, where he oversaw the Risk Architecture Group which included risk data infrastructure; credit risk reporting; loss forecast modeling (including stressed forecasting); credit risk economic capital modeling; transaction modeling for default, severity and usage given default; and loan loss reserve modeling and process. He ran the Risk Analytics Group at SunTrust for the CRO from 2006 to 2012 and primarily worked at Fleet Financial Group between 1989 through 2004 in various Credit and Risk positions. He has experience in business development, where he worked for Moody’s Analytics focusing on Stress Testing business development in 2012 and 2013. Additionally, he has experience in pension consulting, investment advisory, and the security broker dealer industries. He is a graduate of Dartmouth College with an MBA from NYU’s Stern School of Business.