Cecilia Hoyt

About Cecilia Hoyt

ABOUT ME & CAREER PREFERENCESI am a seasoned Risk Management Executive with over 33 years of experience building and leading large-scale risk transformation, technology integration, and digital innovation teams and initiatives in the financial services and technology sectors. I am currently the VP of Multifamily Operational Risk Management at Fannie Mae, leading a first line risk management team managing non-financial risks across the Multifamily $500B portfolio. At Merchants Fleet, Most recently, I established a comprehensive COSO-based Enterprise Risk Management Program, developing a multi-year roadmap, framework, taxonomy, and policy. At Silicon Valley Bank, I served as Senior Managing Director, driving the build-out of both first and second-line non-financial risk management functions. At Wells Fargo, I held roles as Senior Vice President – Chief Operating Officer and Chief of Staff to the Chief Operational Risk Officer, where I led enterprise-wide risk transformation efforts across model risk, technology risk, risk intelligence, and data management.I am recognized for building and leading high-performing teams that create sustainable and resilient business solutions. As a passionate mentor, I am committed to developing emerging talent into future leaders.CORE COMPETENCIES• Enterprise Risk, Operational Risk, Technology Risk, Model Risk, Strategic & Reputational Risk Development, Execution & Oversight (1st and 2nd Lines of Defense)• Board & Executive Committee Reporting• Risk Appetite, Key Risk Indicators (KRIs), Risk Dashboards, Executive Dashboards, and Risk Intelligence• Risk Control Self-Assessments (RCSA); Operational Risk Events; CCAR; Scenario Analysis• Enterprise Risk Assessments; Business Environment Assessment; Business Risk Oversight• Risk Transformation, Internal Audit, Regulatory Engagement & Remediation (FRB, OCC, FDIC)• FRB, OCC, FDIC, SEC, FINRA, COSO, NIST and SOX Compliance• Corporate Governance, Business Transformation Leadership, Process and Program Management• Operational Resilience Framework Implementation

Experience

1. Vice President, Non-financial Risk - Multifamily

   Fannie Mae

   Apr 2025 — Present · NH, US

   Lead first‑line Non-Financial Risk management for the Fannie Mae Multifamily division, encompassing operational, model, compliance, strategic, and business resiliency risks. Accountable for governance, risk oversight, and targeted program initiatives across the Multifamily mortgage business, with a focus on strengthening controls, ensuring regulatory compliance, and promoting safety and soundness. Lead a high‑performing risk management team that proactively identifies, manages, and mitigates risks in alignment with internal policy and external regulatory expectations.

Education

• Union College

  Economics and Modern Languages

  1987 — 1991

Skills

• Payments
• Fraud
• Regulatory Compliance
• Project Portfolio Management
• Online Banking
• Internet Banking
• Project Management Office (Pmo)
• Vendor Management
• Mobile Banking
• Team Leadership
• Project Management
• Project Delivery
• Compliance
• Online Fraud
• Governance
• Business Process Improvement
• Aml
• Portfolio Management
• Financial Services
• Cross Functional Relationships
• Information Security
• Risk Assessment
• Retail Banking
• Sarbanes-Oxley Act
• Banking
• Risk Management
• Sdlc
• Financial Risk
• Enterprise Risk Management
• Security
• Enterprise Software
• Fraud Detection
• Business Strategy
• Pmo
• Operational Excellence
• Program Management
• Disaster Recovery
• Leadership
• Relationship Management
• E-Commerce