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Mr. Maldonado brings a unique perspective as a seasoned professional. His credentials are in bank supervision and regulation, with emphasis in accounting, finance, credit, audit and internal controls, and risk management. As a Senior Relationship Specialist, his continuous interaction with the management of foreign agencies and representative offices, commercial banks, broker/dealers and Investment Edge Act corporations has contributed to advanced risk knowledge in credit, market, liquidity, operations and legal compliance. Mr. Maldonado also has coordinated, supervised and performed multiple risk assessments of these institutions while training and coaching junior specialists. He has headed examination teams that conducted safety and soundness examinations within the 2nd Federal Reserve District to assess risk management, operational controls, asset quality and the financial condition of the institutions. Mr. Maldonado took part in the U.S. Government's rescue of savings and loans industries in Maryland and Ohio, receiving a U.S. Presidential Award and other governmental recognition for his efforts. He also has participated and led teams of examiners from the three U.S. financial regulatory bodies in their annual review of the Shared National Credit Program of large, syndicated credit facilities across the U.S. His extensive travels in Asia and Europe to review the overseas operations of U.S. domestic banks have afforded many opportunities to represent the Federal Reserve System (FRS) through the U.S. State Department when meeting overseas financial regulatory bodies. Mr. Maldonado has participated in various training programs at the Board of Governors of the FRS and the Federal Financial Institutions Examination Council in Washington, DC. He received his BA from Hunter College and his MBA from Fairleigh Dickinson University, with a specialty in Bank Management. | 