Looking for a job

Fernando Pacheco

@fernandopacheco2

Message

I build reproducible stress-testing analytics for retail credit portfolios and regulatory submissions.

United States

Message

What I'm looking for

I'm looking to apply my risk analytics, stress-testing, and Python automation experience to work that strengthens financial decision-making, regulatory readiness, and scalable quantitative processes.

At Citigroup, I verify loss forecast outputs across a $160B+ retail credit portfolio before they feed CCAR and DFAST stress capital submissions to the Federal Reserve.

I built monthly variance analysis from scratch, trace discrepancies to source models and data, and automate quantitative testing and benchmarking workflows in Python—cutting manual effort by roughly 50%.

I've also supported cyber-risk remediation and regulatory reporting, benchmarked Citi against 25 peer banks, and bring finance training in stress testing, valuation, and financial modeling.

Experience

Work history, roles, and key accomplishments

Assistant Vice President, Senior Stress Testing Analyst

Citigroup

Jun 2024 - May 2026 (1 year 11 months)

Verified monthly and quarterly loss forecast outputs across Citi's $160B+ retail credit portfolio, serving as the control point before results fed CCAR and DFAST stress capital submissions to the Federal Reserve. Built the team's monthly variance analysis from scratch and automated recurring quantitative testing workflows in Python, cutting manual effort by roughly 50%.

Performance Testing CCAR D FAST Python Pandas NumPy Variance Analysis Financial Modeling Excel VBA Tableau Bloomberg Terminal Risk Management Data Analysis

Cyber Risk Analyst

Citigroup

Jun 2023 - Jun 2024 (1 year)

Ran monthly cyber risk analytics and supported remediation of regulatory Matters Requiring Attention (MRAs) as part of Citi's Risk Management Rotational Program. Conducted capability assessments and gap analyses across cyber risk functions, identifying control gaps and informing remediation plans.

Cyber Risk Risk Analytics Regulatory Compliance Gap Analysis Risk Management

Summer Analyst

Citigroup

Jun 2022 - Aug 2022 (2 months)

Supported risk review analytics underpinning audit, compliance, and regulatory reporting functions.

Risk Reviews Analytics Audit Compliance Regulatory Reporting

Education

Degrees, certifications, and relevant coursework

University of Texas at El Paso

Bachelor of Business Administration, Finance

Grade: 3.65/4.0

Activities and societies: Student Government Association – Senator-At-Large; Theta Chi Fraternity – Treasurer & Executive Committee; Finance & Investment Club – Co-President

Graduated Cum Laude with a Bachelor of Business Administration in Finance, Concentration in Risk Management. Achieved a GPA of 3.65/4.0 and made the Dean's List all semesters.