Charmaine Fernandes
About Charmaine Fernandes
Charmaine Fernandes serves as the VP Manager of Regulatory Change and Risk Assessments at City National Bank, where she has worked since 2021. She has extensive experience in compliance and risk management, having held various leadership roles in the banking sector over the past two decades.
Work at City National Bank
Charmaine Fernandes currently serves as the VP Manager Regulatory Change and Risk Assessments at City National Bank. She has held this position since 2021, contributing to the Los Angeles Metropolitan Area's financial landscape. In her role, she focuses on regulatory change management and risk assessments, ensuring compliance with industry standards and regulations.
Previous Experience in Compliance
Before joining City National Bank, Charmaine Fernandes worked at CIT as VP Compliance from 2014 to 2021. During her tenure, she was responsible for overseeing compliance initiatives and risk management strategies. Prior to that, she served as a Compliance Consultant in Retail Banking at OneWest Bank for five months in 2014, where she gained valuable experience in the compliance sector.
Background in Financial Institutions
Charmaine Fernandes has a diverse background in financial institutions, having held various leadership roles. She worked at Xceed Financial Credit Union as Vice President of Operations from 2009 to 2013 and as VP Facilities Management from 2007 to 2009. Additionally, she was VP of Retail Operations at Kinecta Federal Credit Union from 2001 to 2006, where she managed operations and compliance within the retail banking sector.
Education and Expertise
Charmaine Fernandes earned a Bachelor of Science degree in Business Administration - Management from California State University-Los Angeles. Her educational background supports her expertise in developing and implementing operational and compliance risk programs tailored for OCC banks and NCUA credit unions. She is skilled in remediating Matters Requiring Attention (MRAs) and audit findings.
Leadership and Collaboration Skills
In her professional roles, Charmaine Fernandes has demonstrated strong people management skills. She engages in cross-functional interactions with various departments, including Business-line, Compliance, Legal, Audit, and Information Technology. Her ability to foster collaboration and teamwork has been essential in managing enterprise-wide projects and program implementations.