Risk Management financial services professional with diversified execution experience in Operational Risk Management, Project Management, Process Improvement, Due Diligence, and Third Party Credit. Diverse experience in the development and execution of value added operational and enterprise risk management programs within large financial services companies/banks. BS in Business Administration from Saint Joseph's University Erivan K. Haub School of Business. Currently, Vice President within Corporate Operational Risk Management at TD Bank, N.A..

Vice President, Operational Risk Management @ Senior representative of the Bank's second line of defense, with responsibility and authority to advise and challenge the first line (embedded risk officers and points of contact within the Bank’s major business segments) regarding the application of risk management practices. Ensures the existence of a strong, knowledgeable and independent Risk Management function within the business segments, and acts as liaison between the business and Corporate Operational Risk Management. Facilitates an effective operational risk management framework and culture within the Bank Operations and Corporate Real Estate business segments, including the establishment of operational risk appetite and mitigation requirements for specific exposures, compliance with operational risk policies, comprehensive risk and control assessments, key process and root cause analyses, business continuity strategies, key risk indicators and analytics. Ensures that risk identification and assessment processes are well established and understood, and that all matters relating to material risks are communicated and escalated in a timely, accurate, and forthright manner and within the established governance framework. Leads management reporting and supports TD Board level reporting on designated business lines' operational risk management strategy, risk appetite metrics and results as measured against risk appetite including reporting on risk across multiple portfolios, product lines, major risk exposures and decisions. Ensures that the implementation of the ORM Framework is robust, defensible and documented in order to meet regulatory expectations. Provides training, tools and support to business lines for adherence to ORM Framework policies and practices. Reviews significant business activities to provide effective independent challenge and uphold the objectives of the ORM framework and policies, driving issue resolution and tracking significant outstanding issues until completion. From August 2013 to Present (2 years 4 months) Vice President, Operational Risk Management @ Responsible for the management and implementation of the Bank’s Strategic Risk & Control Self Assessment (sRCSA) and Process Risk & Control Self Assessment (pRCSA) Programs across all (14) major business segments. Acted as lead point of contact between Corporate Operational Risk Management and Business Line Risk Management / Business Line Leadership with regard to Operational Risk Programs & Policies. From April 2012 to August 2013 (1 year 5 months) Assistant Vice President, Operational Risk Officer II @ Responsible for supporting the Bank’s development and implementation of a comprehensive Operational Risk Management Framework for the purpose of identifying, assessing, measuring and controlling the operational risks present within the Bank and ensuring all risks exist within the boundaries of an established risk appetite. From June 2011 to April 2012 (11 months) Operational Risk Manager @ Responsible for the oversight and execution of Operational Risk Management and Control activities within the bank’s two largest mortgage lending channels with combined loan originations exceeding $60B annually. - Executed the Ally Financial corporate Operations Risk Management Program, holistically examining the operations risk environment across key processes within each line of business (Key Process Assessments – KPAs). - Leveraged the results of Key Process Assessments (KPAs) to prioritize Targeted Risk Assessments (TRAs) in which existing risks, controls, control gaps, action plans, and key risk metrics were documented as they applied to both regular business activities and the achievement of strategic business goals. From June 2008 to September 2010 (2 years 4 months) Risk & Controls Manager @ Major responsibilities included participating in the redesign of the Operations Risk Management – Risk Assessment & Assurance Program including the development of a comprehensive Control Self-Assessment process, identifying and monitoring Key Risk Indicators within both production channels and corporate service functions, and implementing a solution to capture and report Operational Loss Events having direct financial impact on the enterprise. Also accountable for coordinating the completion of quarterly risk scorecards measuring nine (9) categories of risk across seventeen (17) business and support entities, monitoring and reporting all outstanding management action plans derived from both internal (CSA/Internal Audit) and external (Regulator/Investor) examinations, serving as the Risk Management resource for each corporate service/support group (HR, Finance, Legal), and reporting the results of risk assessment and monitoring activities to the Operations Risk Committee and Executive Committee. From November 2006 to May 2008 (1 year 7 months) Correspondent & Institutional Lending Risk Analyst @ Supported periodic and priority based risk management initiatives of the CLC/IL Operations Risk Management Team, identifying, evaluating and monitoring operations, credit, compliance and financial risks primarily within the GMACB Correspondent Lending channel, ensuring compliance with both internal and external regulators/auditors assessments of the overall risk environment including Sarbanes Oxley key control validation and GMAS, OTS, PwC, government agency and investor examinations of GMACB’s Correspondent and Institutional Lending Operations. Also responsible for the management of key vendor relationships as well as the preventative and detective evaluation and improvement of fraud controls within GMACB’s Correspondent and Institutional Lending Channels. From January 2006 to November 2006 (11 months) Management Development Associate @ Completed GMAC's Management Development Program in which I was trained in a variety of operational, risk, and management activities within Business Lending's Correspondent, Broker, and Warehouse Lending channels. From June 2004 to December 2005 (1 year 7 months)

BS, Business Administration - Marketing @ Saint Joseph's University - Erivan K. Haub School of Business From 2000 to 2004 Charles Scalzott is skilled in: Operational Risk Management, Credit, Risk Management, Financial Risk, Enterprise Risk Management, Internal Controls, Risk Assessment, Loans, Due Diligence, Financial Services, Mortgage Lending, Operational Risk, Analysis, Project Management, Credit Risk