Ryan Plotts

About Ryan Plotts

I am a banking risk and controls leader with nearly 20 years of experience across consumer banking, fraud investigations, regulatory governance, and enterprise risk management.Currently a Senior Manager in Governance & Controls for Consumer Products, with a focus on Retail Distribution, ATM, and TD Auto Finance, I partner with business leaders and senior stakeholders to strengthen control environments, oversee change initiatives, and ensure regulatory alignment across retail banking operations. My work focuses on translating complex regulatory expectations into practical, sustainable business processes.My career began in debit card fraud investigations and progressed through global investigations, regulatory governance, ESG risk management, and second-line oversight. This background gives me a unique perspective: I understand how risk failures actually occur operationally — not just how they look on paper — and I build controls that work in real environments.Areas of focus:• Governance & Control Frameworks• Operational & Regulatory Risk• Consumer Banking & Card Products• Second Line Risk Oversight (1LOD/2LOD interaction)• Change Risk & Initiative Review• Fraud & Investigations• Policy, Procedures, and Control Design• Stakeholder & Executive EngagementI am particularly interested in improving how large organizations operationalize regulatory requirements without slowing business execution — aligning compliance, risk management, and customer experience rather than forcing tradeoffs.BA, Sociology – Rider University

Experience

1. Senior Manager Governance and Controls - Consumer Products

   TD

   Oct 2024 — Present · Philadelphia, PA, US

   Function as leading expert for significant and/or complex governance and control functions, primarily interfacing with Executive and or functional stakeholders.• Provide direction and guidance to team and/or management and act as the overall leader on key control initiatives and projects.• Support 1b change oversight activities for Retail Distribution business line.

Education

• Rider University

  Bachelor of Arts (BA), Sociology

  2001 — 2005

Skills

• Banking
• Risk Management
• Loans
• Relationship Management
• Credit
• Leadership
• Credit Cards
• Financial Risk
• Corporate Security
• Customer Service
• Financial Services
• Fraud
• Commercial Banking
• Management
• Retail Banking
• Debit Cards
• Financial Analysis