Joseph Charles
Chief Model Risk Officer
- Role
- Executive Director, Chief Model Risk Officer at Northwest Bank
- Location
- Cincinnati, OH, US
- LinkedIn followers
- 500 followers
About Joseph Charles
I am a senior quantitative leader with 20 years of experience in the finance industry and a successful track record of leading large teams in developing, implementing, monitoring, challenging, and validating quantitative models.My passion is in using economic, statistical, and financial techniques to generate meaningful and actionable business insight. I excel at the thoughtful integration of advanced theoretical techniques with real-world business problems, managing relationships / obtaining buy-in from key partners, and presenting technical results to senior executives and regulators in a digestible/actionable format. My statistical modeling expertise spans CCAR/stress testing, financial forecasting, capital markets, operational risk, human resources/people analytics, IRR, and ALM, with enterprise-wide experience encompassing commercial banking, investment banking, retail/consumer banking, mortgage, credit card, auto, and wealth management. I have significant experience implementing SR11-7, SR15-18, and SR15-19 and interacting with regulators from the Federal Reserve, OCC, and FDIC. Throughout my career, the most rewarding aspect has been the opportunity to build innovative and collaborative teams of quants and data scientists that have contributed to the success of my firms (including on-site, remote, and offshore associates). As a leader, my success has come from the development, engagement, and retention of associates. Building stable and innovative teams has allowed my department to accomplish its goals while also creating development, growth, and leadership opportunities for associates and thus minimizing turnover.
Experience
Executive Director, Chief Model Risk Officer
Jun 2023 — Present · Cincinnati, OH, US
Enterprise-wide leadership of model risk, overseeing a portfolio including AI, Machine Learning, CECL, stress testing, financial forecasting, AML/BSA, capital markets, and marketing models
Education
Xavier University
BSBA, Economics, Finance, History
2003 — 2007
The University of Chicago Booth School of Business
MBA, Finance, Economics, Management
2010 — 2013
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