Bilal Muhammad

About Bilal Muhammad

With a distinguished 26-year tenure in the Banking and Financial industry, specializing in the intricate domains of Risk, both operational and enterprise-wide, compliance, regulatory, and governance, I am keen to bring my wealth of expertise to your esteemed organization. What compels me to pursue a career with your company is the alignment of our shared values, vision, and the exceptional reputation you hold within the industry. I have dedicated my professional life to enhancing the stability and resilience of financial institutions through effective risk management strategies and rigorous compliance practices. Your company\'s commitment to maintaining the highest standards of integrity, ethics, and regulatory compliance strongly resonates with my own principles. I am particularly drawn to your company\'s innovative approach to navigating the evolving landscape of financial regulations and your demonstrated dedication to staying ahead of industry trends. Furthermore, your company\'s culture of fostering collaboration and empowering employees to make a meaningful impact deeply appeals to me. I am excited about the opportunity to collaborate with a team of diverse and talented professionals who share a common passion for excellence and a commitment to delivering value to clients. In joining your organization, I am confident that my extensive experience, strategic acumen, and in-depth knowledge of risk management and regulatory matters can contribute to your continued success. I look forward to the prospect of working together to further elevate your company\'s reputation and achieve our collective goals in the ever-evolving landscape of the financial industry.• I’ve evaluated & implemented General Data Protection Regulation (GDPR) – All Regulatory Articles, Data Inventory, Movements & PI an SPI Privacy Elements, Data Protection, Governance & Privacy by Design and Privacy by Default• Including Data Privacy initiatives like; California Consumer Privacy Act (CCPA) Health Insurance Portability and Accountability Act (HIPAA) & Family and Educational Rights and Privacy Act (FERPA)• I’ve also led and managed a range of business process and system implementation projects, performed complex analysis, designed testing templates & documentation, sourced hired and supervised external vender development resources, prepared complex reports & presentations for (ORM) Operational Risk Management & (ERM) Enterprise Risk Management at the Executive Leadership & C Suite levels

Experience

1. Acting Divisional Data Risk Oversight Officer Human Resources

   Truist

   Jun 2025 — Present · Charlotte, NC, US

   Promoted to serve as the lead risk partner for the Human Resources division, reporting directly to the Business Unit Risk Executive. As the senior data risk subject matter expert, proactively identifying existing and emerging risks across HR processes, systems, and strategic initiatives. Evaluate risk exposure, determine materiality and business impact, and partner with AU/LOB leadership to design and implement sustainable mitigation strategies. Advise HR executives on risk identification, assessment, control design, and effective risk communication aligned to enterprise risk appetite. Conduct root cause analysis of issues and control breakdowns, challenge corrective action plans, and collaborate with business stakeholders to implement durable controls that fully remediate underlying causes and strengthen governance, compliance, and operational resilience

Education

• Ross University

  Certificate Of Completion, Information Technology

  1988 — 1988

• NYU Stern School of Business

  BA, Business Finance & Business Psychology

  1989 — 1993

Skills

• Loan Origination
• Real Estate
• Financial Analysis
• Mortgage Lending
• Loss Mitigation
• Commercial Lending
• Banking Operations
• Mortgage Banking
• Underwriting
• Credit Analysis
• Financial Risk
• Reverse Mortgages
• Auditing
• Due Diligence
• Banking
• Risk Management
• Investments
• Operations Management
• Strategic Planning
• Portfolio Management
• Loans
• Loan Servicing
• Credit Risk
• Compliance
• Credit