Jill Fealko

About Jill Fealko

Senior Risk Governance & Controls Executive with 20+ years of leadership across Commercial Banking, Private Banking, Consumer Lending, AML, Regulatory Risk, and Insurance Risk oversight within highly regulated financial institutions.I design and operationalize enterprise risk governance frameworks that translate regulatory complexity into defensible, business-aligned controls. My work spans Risk & Control Self-Assessments (RCSAs), Change Initiative Risk Assessments (CIRAs), complex credit and transactional risk review, regulatory examinations, audit engagement, and sustainable remediation execution.Trusted advisor to executive leadership and business line partners across the 1st, 2nd, and 3rd Lines of Defense. I bridge legal, financial, operational, and insurance risk perspectives to strengthen control environments and inform strategic decision-making.Licensed Attorney | CAMS | CGSSEnterprise Risk. Regulatory Governance. Sustainable Controls.

Experience

1. Senior Risk Consultant, Governance & Controls Advisor

   CIBC US

   Apr 2022 — Present · Chicago, IL, US

   Executive-level advisor providing risk governance and controls leadership for Commercial, Consumer, and Unsecured Lending portfoliosServe as primary risk partner to Line of Business leaders, collaborating closely with 2nd and 3rd Lines of DefenseLead Risk & Control Self-Assessments (RCSAs) across operational, credit, financial, strategic, and regulatory risk domainsAct as Risk & Controls Subject Matter Expert, translating AML, fraud, data, transaction processing, Reg B, and HMDA requirements into sustainable controlsLead Change Initiative Risk Assessments (CIRA) for medium to highly complex initiativesOwn end-to-end issue management, including root cause analysis, remediation strategy, validation testing, and sustainability reviewsServe as Maintenance Officer for Operational Process Controls, Financial Process Controls, and Regulatory Compliance Management controlsLead all Internal Audits, Compliance Exams, AML/CEEP, and GORM reviewsConduct insurance reviews for credit deals to assess collateral protection, policy sufficiency, lender loss payee provisions, and alignment with institutional risk appetiteDevelop and deliver executive risk reporting, including KRIs, emerging risk trends, and control effectiveness insightsStrengthen fraud and AML authentication controls supporting consumer and credit card lending operations

Education

• Case Western Reserve University School of Law

  JD, Law

• Muskingum University

  BA, Business, Economics, Theatre

Skills

• Bankruptcy
• Legal Writing
• Courts
• Litigation
• Creditors' Rights
• Civil Litigation
• Legal Research
• Mediation
• Commercial Litigation
• Hearings
• Foreclosures
• Real Estate
• Westlaw
• Chapter 7
• Document Review
• Pleadings
• Legal Compliance
• Consumer Law
• Corporate Law
• Third Party Reporting
• Risk Management
• Risk Assessment
• Risk Analysis