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I am a Capital Markets Risk Executive with experience spanning Wall Street and global advisory roles, focused on designing AI-enabled risk, compliance, and decision-support systems for complex organizations. My work sits at the intersection of financial risk, system architecture, and user-centric design—translating institutional challenges into structured, intelligible, and actionable AI workflows. I specialize in architecting AI-driven frameworks that integrate governance, risk assessment, and automation, with a strong emphasis on usability, clarity, and decision experience. This includes designing risk architectures, analytical workflows, and AI-assisted interfaces that allow stakeholders—executives, regulators, and operators—to interact with complex financial data and controls in intuitive, human-centered ways. Leveraging large language models such as ChatGPT, I design end-to-end AI systems that support scenario analysis, policy intelligence, control evaluation, and process automation. My approach blends financial markets expertise with UX-informed system design to ensure that AI outputs are not only technically sound, but interpretable, auditable, and operationally effective. I aim to help financial institutions, professional services firms, and NGOs embed AI into their core risk and governance architectures—improving transparency, speed, and decision quality in today’s increasingly complex and data-dense environment.…I am a Capital Markets Risk Executive with experience spanning Wall Street and global advisory roles, focused on designing AI-enabled risk, compliance, and decision-support systems for complex organizations. My work sits at the intersection of financial risk, system architecture, and user-centric design—translating institutional challenges into structured, intelligible, and actionable AI workflows. I specialize in architecting AI-driven frameworks that integrate governance, risk assessment, and automation, with a strong emphasis on usability, clarity, and decision experience. This includes designing risk architectures, analytical workflows, and AI-assisted interfaces that allow stakeholders—executives, regulators, and operators—to interact with complex financial data and controls in intuitive, human-centered ways. Leveraging large language models such as ChatGPT, I design end-to-end AI systems that support scenario analysis, policy intelligence, control evaluation, and process automation. My approach blends financial markets expertise with UX-informed system design to ensure that AI outputs are not only technically sound, but interpretable, auditable, and operationally effective. I aim to help financial institutions, professional services firms, and NGOs embed AI into their core risk and governance architectures—improving transparency, speed, and decision quality in today’s increasingly complex and data-dense environment.

Spencer de Melo

Project Manager, Data Scientist, AI Strategy Consultant, +6

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I am a Capital Markets Risk Executive with experience spanning Wall Street and global advisory roles, focused on designing AI-enabled risk, compliance, and decision-support systems for complex organizations. My work sits at the intersection of financial risk, system architecture, and user-centric design—translating institutional challenges into structured, intelligible, and actionable AI workflows. I specialize in architecting AI-driven frameworks that integrate governance, risk assessment, and automation, with a strong emphasis on usability, clarity, and decision experience. This includes designing risk architectures, analytical workflows, and AI-assisted interfaces that allow stakeholders—executives, regulators, and operators—to interact with complex financial data and controls in intuitive, human-centered ways. Leveraging large language models such as ChatGPT, I design end-to-end AI systems that support scenario analysis, policy intelligence, control evaluation, and process automation. My approach blends financial markets expertise with UX-informed system design to ensure that AI outputs are not only technically sound, but interpretable, auditable, and operationally effective. I aim to help financial institutions, professional services firms, and NGOs embed AI into their core risk and governance architectures—improving transparency, speed, and decision quality in today’s increasingly complex and data-dense environment.…I am a Capital Markets Risk Executive with experience spanning Wall Street and global advisory roles, focused on designing AI-enabled risk, compliance, and decision-support systems for complex organizations. My work sits at the intersection of financial risk, system architecture, and user-centric design—translating institutional challenges into structured, intelligible, and actionable AI workflows. I specialize in architecting AI-driven frameworks that integrate governance, risk assessment, and automation, with a strong emphasis on usability, clarity, and decision experience. This includes designing risk architectures, analytical workflows, and AI-assisted interfaces that allow stakeholders—executives, regulators, and operators—to interact with complex financial data and controls in intuitive, human-centered ways. Leveraging large language models such as ChatGPT, I design end-to-end AI systems that support scenario analysis, policy intelligence, control evaluation, and process automation. My approach blends financial markets expertise with UX-informed system design to ensure that AI outputs are not only technically sound, but interpretable, auditable, and operationally effective. I aim to help financial institutions, professional services firms, and NGOs embed AI into their core risk and governance architectures—improving transparency, speed, and decision quality in today’s increasingly complex and data-dense environment.

Available to hire

I am a Capital Markets Risk Executive with experience spanning Wall Street and global advisory roles, focused on designing AI-enabled risk, compliance, and decision-support systems for complex organizations. My work sits at the intersection of financial risk, system architecture, and user-centric design—translating institutional challenges into structured, intelligible, and actionable AI workflows.

I specialize in architecting AI-driven frameworks that integrate governance, risk assessment, and automation, with a strong emphasis on usability, clarity, and decision experience. This includes designing risk architectures, analytical workflows, and AI-assisted interfaces that allow stakeholders—executives, regulators, and operators—to interact with complex financial data and controls in intuitive, human-centered ways.

Leveraging large language models such as ChatGPT, I design end-to-end AI systems that support scenario analysis, policy intelligence, control evaluation, and process automation. My approach blends financial markets expertise with UX-informed system design to ensure that AI outputs are not only technically sound, but interpretable, auditable, and operationally effective.

I aim to help financial institutions, professional services firms, and NGOs embed AI into their core risk and governance architectures—improving transparency, speed, and decision quality in today’s increasingly complex and data-dense environment.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Language

English

Fluent

Portuguese

Fluent

Spanish; Castilian

Fluent

French

Beginner

Work Experience

Principal – Internal Audit & Market Risk Programs at ORBI GLOBAL

January 1, 2023 - Present

Built a board-approved internal audit function for sovereign and treasury operations; authored the Audit Charter, Policy, and a three-year risk roadmap within 90 days of mandate. Modernized risk-based planning by linking RCSA metrics and KRIs to risk-rating models; developed AI-driven risk-universe heatmaps to prioritize high-impact audits; established Audit Committee reporting protocols; led valuation and model-risk reviews for illiquid assets; instituted a vendor-risk framework and AI alerting; chaired cross-functional remediation forums to validate design-effectiveness before closure.

Vice President, Internal Audit (Capital Markets & Risk) at Northern Trust

January 1, 2021 - January 1, 2023

Established divisional internal audit coverage aligned with Group IA standards; achieved zero overdue validations. Conducted end-to-end audits of trade execution and best-execution governance; enhanced front-to-back reconciliation accuracy by 22%. Implemented model-validation testing for valuation and P&L explain processes; reduced valuation exceptions by 40%. Created board-level dashboards linking remediation progress to risk themes; led cyber-risk assessments for market-data vendors and improved incident response playbooks; strengthened conduct surveillance and reduced policy breaches by 50%.

Lead Consultant – Derivatives Middle Office & Control Oversight at Morgan Stanley (consulting for TechPar)

January 1, 2018 - January 1, 2021

Designed predictive models to rank third-party vendors by failure probability; enabled proactive reviews of fund-administrator performance and vendor concentration risk, reducing high-risk vendor exposure by 28%. Used autoencoders to flag abnormal user-access patterns and data-transfer anomalies; supported continuous assurance testing of cybersecurity, segregation of duties, and data lineage; reduced false-positive alerts by 42%. Deployed Power BI summarization tools to automatically draft Audit Committee summaries and risk-theme narratives; accelerated board-report cycles and improved control-health visibility.

Lead Consultant – Derivatives Middle Office & Control Oversight at Santander (Consulting for Perficient) – Boston, MA

January 1, 2018 - January 1, 2021

Linked IA testing scripts to limit-monitoring and model-risk data for derivatives operations; improved control-effectiveness scores by 20%. Coordinated valuation-model reviews under SR 11-7; passed three supervisory reviews with no findings. Automated trade-lifecycle reconciliations via AI-driven pattern recognition; cut exception-review time by 45%. Assessed data-lineage controls and validated record-keeping accuracy for structured products; reduced break frequency by 33%.

Project Director, Regulatory Risk Audit at CITI

January 1, 2014 - January 1, 2015

Modernized Treasury and Market Risk audit planning by embedding trend-detection algorithms and KRI analytics; decreased unplanned findings by 25%. Led integrated audits on liquidity and funding risk compliance under SR 15-18; improved supervisory rating from Satisfactory to Strong. Chaired remediation governance sessions aligning closure evidence with regulatory expectations; cut cycle time from 60 to 35 days. Developed machine-learning tools to predict repeat issues using root-cause data; prevented 12 potential re-occurrences within 12 months.

Senior Consultant - Capital Markets Finance Risk Audit at J.P. MORGAN (Consulting via Protiviti)

January 1, 2016 - January 1, 2016

Standardized market-risk and finance-audit methodology linking Basel III and SR 11-7 requirements; ensured 100% model-governance coverage. Executed integrated audits of trading desks and valuation controls; reduced repeat observations by 44%. Strengthened data-integrity testing for stress-testing models and RWA calculations, improving accuracy for Board submissions.

Vice President, Finance Risk Audit & CCAR Strategy at Citizens Financial Group

January 1, 2015 - January 1, 2015

Established integrated assurance routines for ALM, liquidity, and CCAR governance; embedded stress-testing coverage into IA. Designed risk-based test scripts and AI-assisted documentation reviews for capital-planning controls; ensured full traceability for Fed examinations. Enhanced Board reporting on capital adequacy trends through automated data visualizations and predictive scenario analysis.

Basel Regulatory Capital Markets Audit at CITI

January 1, 2014 - January 1, 2015

Managed internal audits of Treasury, Capital Markets, and Risk Management (Market, Liquidity, and Capital) in alignment with Basel II–III and CCAR/DFAST requirements. Conducted end-to-end audits of capital management, stress testing, and regulatory reporting; SME on Basel and Dodd-Frank models; delivered value-added audit reports and control evaluations for the Audit Committee’s enterprise-wide plan.

Global Treasury – Regulatory Capital & Basel Integration at State Street Corporation (consulting for Witheridge Consultants)

January 1, 2014 - January 1, 2014

Led Basel I–III and CCAR/CCAS frameworks implementation, including Moody’s software deployment, UAT validation, and capital-adequacy documentation. Designed and executed regulatory processes for FR Y-14 and FR Y-15 templates; collaborated with Enterprise Risk and Capital Policy teams to align Basel II compliance strategy. Partnered with IT and vendors to integrate data feeds into RDR systems, improving capital reporting accuracy and audit readiness.

Director of Internal Audit / Fiscal Management Officer at State of Rhode Island

January 1, 2012 - January 1, 2014

Directed internal audit planning, staffing, QA, and risk-based execution across financial, operational, and IT domains for state-level entities. Partnered with the Auditor General and General Treasurer to strengthen internal controls, compliance frameworks, and annual audit cycles. Delivered audit reports to executive leadership, reinforcing transparency and control assurance across government operations.

Manager – Internal Controls, Risk & Settlements at Banco Santander – United States, Spain & United Kingdom

January 1, 2010 - January 1, 2012

Led Basel operational-risk implementation, internal-control testing, and enterprise risk mapping across multiple jurisdictions. Led control certification during migration to Partenon and Opermart platforms; coordinated enterprise risk framework development to align audit, compliance, and control across regional operations.

Senior Risk Management Consultant at Banco Santander

January 1, 2007 - January 1, 2010

Conducted internal control reviews and operational risk assessments; implemented ERM models linking Internal Audit, SOX, and control environments; improved governance integration and risk visibility. Managed compliance initiatives under the Patriot Act and Sarbanes-Oxley, reducing control gaps and enhancing monitoring effectiveness.

Assistant Controller at Fleet Bank / BANK OF AMERICA

January 1, 2004 - January 1, 2007

Supported the Controller in overseeing general ledger accuracy, account reconciliations, and financial statement preparation in accordance with U.S. GAAP. Managed month-end and year-end close processes, prepared journal entries, reconciled balance sheet accounts, and automated premium and asset-pricing calculations to strengthen internal-control precision.

AVP, Senior Financial Analyst at Fleet Bank / Bank of America

January 1, 2006 - January 1, 2007

Oversaw financial reporting and reconciliation processes post Fleet Bank acquisition; analyzed subsidiary ledgers across Mexico and Argentina; reviewed EZERC reconciliations and implemented corrective accounting adjustments.

Senior Financial Analyst at Fleet Bank

January 1, 2002 - January 1, 2004

Monitored and reconciled balance-sheet accounts to ensure GAAP and SOX compliance; validated journal entries and accrual accuracy. Designed and implemented an automated Maintenance Form Database to streamline account ownership tracking, Sarbanes reporting, and audit documentation.

Capital Markets Audit Risk at Northern Trust Corporation

November 1, 2021 - Present

Lead rigorous internal audits with executive committees, ensuring Broker Dealer compliance across US/EMEA; refine Wholesale Credit Risk Policy; integrate AI tools for compliance and risk management; support NSE/SEBI regulatory inquiries; prepare senior management reports.

Capital Markets Internal Audit at Morgan Stanley

January 1, 2019 - November 1, 2021

Designed and implemented annual company-wide risk assessment; led enterprise risk management program; liaised with external auditors; mentored a team; conducted cybersecurity risk reviews and promoted best practices in internal controls.

Capital Markets Regulatory Audit at Santander Bank, N.A.

October 1, 2018 - December 1, 2019

Performed risk analysis across trading desks; led audits across Rates, Currencies, Equities, ECM/DCM; ensured FINRA, SEC, and AML compliance; developed data-driven insights and reporting.

CCAR Strategy & Regulatory Reporting at Citi

November 1, 2016 - October 1, 2018

Oversaw risk data management lifecycle for CCAR; automated data feeds and stress testing reporting; collaborated with Risk and Finance IT; built analytical tools for mortgage risk and capital planning.

Senior Audit Manager at JPMorgan Chase & Co.

March 1, 2016 - October 1, 2016

Led CCAR-related internal audits and controls; managed external auditor relationships; ensured SOX compliance; mentored a team of auditors; focused on risk management in capital markets.

Senior Manager - CCAR Audit at Protiviti

October 1, 2015 - February 1, 2016

Directed CCAR audit projects; established end-to-end audit approaches; contributed to baseline controls and risk assessment frameworks.

Vice President - Co-Head, CCAR Financial Risk at Citizens Financial Group, Inc.

May 1, 2015 - October 1, 2015

Co-led CCAR financial risk initiatives; contributed to Basel II/III regulatory capital frameworks and capital planning.

Basel Regulatory Capital Markets Audit at Citi Basel

September 1, 2014 - April 1, 2015

Managed Basel II/II.5/III audits across Treasury and Capital Markets; advised on regulatory capital calculations and risk models; supported FR Y-14 reporting.

Regulatory Capital & BASEL Integration at State Street Global Treasury

May 1, 2014 - September 1, 2014

Led Basel I-III implementation; built data feeds for CCAR/FR Y-14Q processes; collaborated with ERM and regulatory policy; developed capital projection templates.

Director of Internal Audit, Fiscal Management Officer at State of Rhode Island

December 1, 2012 - May 1, 2014

Led internal audit function; partnered with external auditors; identified risk areas and oversaw controls across government operations and IT.

Manager, Internal Controls Risk & Settlements at Banco Santander

September 1, 2010 - December 1, 2012

Reviewed capital and regulatory controls; managed Basel operations, data migrations, and risk control testing across multiple geographies.

Senior Risk Management Consultant at Self-Employed / Consulting

October 1, 2007 - September 1, 2010

Conducted internal control reviews; designed improvements; supported ERM integration across retail and corporate lines.

Assistant Controller at Various

January 1, 2004 - October 1, 2007

Asset pricing model development; monthly reconciliations; premium calculations; internal controls enhancements; master data management.

AVP, Senior Financial Analyst at Bank of America

January 1, 2006 - October 1, 2007

Review discrepancies in subsidiary reporting; lead operational effectiveness projects; reconcile integration of acquired assets and systems.

Senior Financial Analyst at Bank of America

September 1, 2002 - January 1, 2004

Monitor balance sheet accounts, ensure GAAP compliance, SOX compliance; manage monthly and quarterly financial reporting.

Capital Markets Audit Risk Leader at Northern Trust Corporation

November 1, 2021 - Present

Lead rigorous internal audits with executive committee engagement to uphold governance across Broker Dealer activities in US/EMEA; refine Wholesale Credit Risk Policy; oversee governance within ASC Broker Dealer; integrate AI tools (ChatGPT, IBM Watson, Palantir Foundry) for predictive risk modeling and data analysis; ensure NSE/SEBI regulatory compliance; coordinate with external auditors; deliver senior-management reports with actionable risk insights.

Senior Risk Management Consultant at Independent / Consulting

October 1, 2007 - September 30, 2010

Review internal controls across multiple lines of business; design improvements to enhance profitability and reduce expenses; deliver ERM integration and SOX-compliant process enhancements; lead Essbase/Informant reporting initiatives.

Assistant Controller at Various / Bank of America lineage

January 1, 2004 - October 31, 2007

Developed asset pricing models and profitability analyses; managed monthly/quarterly/year-end reconciliations; implemented automation in reconciliations and reporting; improved internal controls around premium calculations and insurance assets.