Ray Gonzalez

Ray Gonzalez

Risk Advisory Consultant

Financial Services Industry

Governance, Regulatory and Credit Risk Management

Retired Risk & Financial Advisory Managing Director, Deloitte & Touche LLP

SUMMARY of EXPERIENCE

Ray has over 40 years of financial services industry, regulatory and risk advisory experience. Ray has provided governance,

regulatory and risk advisory services related to corporate governance, regulatory compliance and credit risk management

strategies for banks, mortgage companies, credit card companies and credit unions.

Member of the Deloitte & Touche LLP, Risk & Financial Advisory National Diversity & Inclusion Campus Recruiting Team

RISK ADVISORY CONSULTING EXPERIENCE

As a Managing Director with Deloitte & Touche LLP for 30 years, Ray provided regulatory compliance and risk management

advisory services to financial institutions in the United States, Latin America, Europe and Mexico. In his role as lead client services

director, Ray served as the key point of regulatory compliance and risk management services for national and global financial

institutions and regulatory agencies.

COMMERCIAL LOAN EXPERIENCE

Ray held various executive positions with regional multi-bank holding companies as credit administrator, corporate compliance

officer, mortgage loss mitigation & loan recovery and credit review officer. As the Chief Corporate Regulatory Compliance Officer

for a large regional bank holding company with 60 bank and branch locations, Ray was responsible for the compliance oversight

of retail and commercial banking services.

Ray was the senior credit administrator for a large thrift with multiple branch locations that offered consumer, credit card, retail

and commercial banking services and mortgage banking operations.

As a bank regulator, he served as Director of Regulatory Compliance National Bank Regulatory for U.S. Treasury Department’s

11th Federal District. He also served as a Compliance Examiner and as an Assistant National Bank Commercial Bank Examiner

for the U.S. Treasury Department’s 11th Federal District, Office of the Comptroller of the Currency in Dallas, Texas.

Education and Certifications

Texas A&M University, Kingsville, Texas

General Business Administration

Community Bank Administration Certification, University of Wisconsin, Bankers Administration Institute

National Bank Regulatory Compliance Examiner

Assistant National Bank Commercial Examiner

Certified Risk Professional, Bankers Administration Institute

Affiliations

Former member of the ALPFA National Board of Directors, Chair of Risk Committee

ALPFA Lifetime Member