World renowned finance and risk professional who has extensive experience in developing, implementing and managing risk frameworks. Currently Chief Risk Officer of one of the largest mortgage lenders and servicers in the US. Former Chief Risk Officer of a major global financial institution and associate partner at McKinsey & Co where advised C-level executives and boards in risk and strategic issues. Previous experience as a derivatives trader and desk strategist. On the academic side, a Professor at top universities with a number of publications. Large experience in operational risk framework implementation. Recognized as a great people manager, experienced in managing large projects and groups. Highly entrepreneurial with outstanding quantitative/ analytical skills. Right balance of theoretical soundness and practical experience. Specialties: Risk management, strategy, Basel II, Solvency II, Enterprise Risk Management, Operational Risk

Executive Vice President, Chief Risk Officer @ Responsible for market, credit, liquidity, operational risk and quantitative risk/ analytics. Lead an international team with 1,500+ associates. Responsible for managing the brand/ reputational risk and cybersecurity. Leader of Information Technology, responsible for Telecommunication infrastructure and the IT platform. Responsible for Quality Assurance/ Control of the firm operations as well as the Internal Review Group. Also administer the Compliance and Internal Audit functions. From June 2014 to Present (1 year 5 months) Professor @ Risk management, statistics and math adjunct professor From September 2006 to Present (9 years 2 months) Deputy CRO, Head of Enterprise Risk Management and Operational Risk @ From November 2012 to December 2013 (1 year 2 months) Greater New York City AreaGlobal Head @ From March 2010 to October 2012 (2 years 8 months) Assoc Partner @ From January 2009 to March 2010 (1 year 3 months) Chief Risk Officer @ From October 2007 to November 2008 (1 year 2 months) Global Head @ From January 2004 to October 2007 (3 years 10 months) Global Head @ From March 1998 to February 2001 (3 years)

PhD, Mathematics @ Imperial College London From 1996 to 1998 MBA, Business @ Universidade Federal do Rio de Janeiro From 1991 to 1992 B.Sc., Economics @ Universidade Federal do Rio de Janeiro From 1982 to 1987 Marcelo Cruz is skilled in: Basel II, Enterprise Risk..., Operational Risk, Risk Management, Solvency II, Strategy, Financial Risk, Financial Institutions, Market Risk, Derivatives, Capital Markets, Operational Risk..., ALM, Fixed Income, Investment Banking, Credit Risk, Financial Markets, Quantitative Finance, Hedge Funds, Equities, Economics, Quantitative Analytics, Statistical Modeling, Asset Management, Finance, FX Options, Corporate Finance, Portfolio Management, Bloomberg, Banking, Valuation, Emerging Markets, Financial Services, Monte Carlo Simulation, Time Series Analysis, Econometrics, Financial Modeling, Structured Finance, Trading, Options, Macroeconomics