Ms. Espinosa advises banks, swap dealers, and fintechs on compliance and governance matters. She brings more than twenty-five years of experience as a process and project-oriented financial services executive with deep expertise in governance, risk management, stress testing, and capital planning, and she has recently advised clients on compliance management systems, technology and artificial intelligence risk management frameworks, fair lending/fair housing, clearing member risk management, swap dealer compliance, and off-channel communications.

Recent projects have included detailed independent reviews of clients’ compliance management systems, including Board and Management Oversight, policies and procedures, risk assessments, compliance training and awareness, and third-party risk management, as well as detailed hap assessments of foreign banking organization practices vs. U.S. regulatory requirements.

Prior to joining Patomak, Ms. Espinosa was a Managing Director at Citigroup (Citi), where she was responsible for capital planning and regulatory stress testing. In her time at Citi, she was heavily focused on aligning policies and procedures to regulatory requirements and defining roles/responsibilities across the “lines of defense” capital-related regulatory requirements – including CCAR/DFAST, capital adequacy assessments, capital plans, and model risk management, focusing particularly on financial forecasting.

Throughout her tenure, she engaged in various regulatory remediation initiatives and transformed complex processes and controls to meet evolving requirements. In earlier roles at Citi, she developed a sales and suitability framework for retail investment products and led a product approval committee responsible for reviewing products intended for retail distribution.

Before joining Citi, Ms. Espinosa was a Senior Consultant at Accenture, where she supported clients with several strategic initiatives.

Ms. Espinosa received her B.A. with honors in political economics from Williams College and her MBA from the Tuck School at Dartmouth College.