Ray Romano is currently the Chief Administrative Officer for Latin America responsible for proactively overseeing our control environment, anticipating risk and control issues, and working with the business and function heads, as well as with regulatory authorities, to address our key control and risk issues. Ray is also responsible to continue our progress in promoting a culture of ethical behavior, transparency and escalation throughout Latin America.

Prior to his current role as CAO, Ray was the Chief Risk Officer of the U.S. Consumer Retail and Mortgage Banking at Citibank N.A. In this role, Ray was responsible for driving risk management activities with a focus on credit, model, capital, compliance and strategic risk management results. Ray led a team of 900 employees managing the financial risk exposures resulting from 3.9 million consumer households and 264,000 small businesses relationships. Ray drove and executed on the strategic transformation of the U.S. Mortgage Banking activity and Retail Bank activities leading the firm's risk priorities to ensure a simpler, safer, smaller and stronger portfolio of activities that can deliver reliable performance through the credit cycle.

Ray is a highly-seasoned credit executive with a strong record of achievements in risk management, with more than 30 years of leadership experience in banking, spanning mortgage banking, retail banking, commercial banking, small business banking and wealth management. Prior to joining Citi in September 2012, Ray served as Chief Risk Officer for Genworth Financial U.S. Mortgage Insurance Operations. Previously, Ray held the position of Executive Vice President and Chief Credit Officer for Freddie Mac from 2008-2012.

With a long history in lending, Ray is a strong advocate of safe, responsible lending activities; he has also had the unique opportunity to assist regulators, legislators and industry advocates in meeting some of the toughest challenges facing the consumer and financial sector on lending activities throughout his long career. Ray played a key development role in meeting the challenges of the financial crisis with the introduction of the Making Home Affordable programs and the introduction of key lending principals of the Dodd-Frank Act.

Ray graduated from Long Island University with a B.S. degree in Finance and Economics.