Christina Criscitiello

Lead and oversee the First Line of Defense (1LOD) Operational Risk RCSA program across all Retail Banking processes, managing risk assessments and evaluating internal controls. Facilitate risk assessment meetings, assess control design, and maintain Risk & Control Inventory documentation within Archer.

Played a key role in establishing the bank's Regulatory Compliance Testing Program, developing risk-based methodologies and standardized testing workpapers. Executed compliance testing across Retail Banking and Mortgage Lending, covering Fair Lending and Regulations B, C, E, F, and presented results to senior leadership.

Managed multiple operational risk remediation projects within global payment processing, focusing on high-risk wire transactions, manual processes, and control deficiencies. Led cross-functional initiatives to automate manual payment processes and implement Dual Blind Re-Key and Maker-Checker controls.

Originated residential mortgage loans, evaluating borrower financial profiles, creditworthiness, and eligibility while ensuring compliance with federal lending regulations and investor guidelines. Collaborated with underwriting, processing, and closing teams to manage loan pipelines and deliver timely loan closings.

Ranked among the Top 10 Mortgage Loan Officers out of approximately 30–35 producers, averaging 12–15 funded loans monthly. Managed residential mortgage transactions from application through closing, maintaining compliance with lending regulations and investor requirements while achieving a 50–60% pull-through rate.

Full-time parent and homemaker.

Analyzed borrower financial information and hardship documentation to determine eligibility for loss mitigation programs. Evaluated loan files against investor guidelines, regulatory requirements, and internal policies to recommend appropriate workout solutions.

Evaluated customer financial profiles to recommend appropriate personal lending solutions while adhering to credit policies and regulatory requirements. Analyzed income, credit history, debt obligations, and repayment capacity to support sound lending decisions.

Completed three years of undergraduate study toward a bachelor's degree in Business Administration.

Completed three years of undergraduate study toward a bachelor's degree in Business Administration.