Bernardo is currently the Head of the Credit Risk Review function at ICBC overseeing wholesale credit focused reviews covering myriad lines of business (including CRE Project Finance Fund Finance general corporate C&I and leveraged lending). As a Director at KPMG he led large scale projects to implement enhancements to credit risk processes remediate regulatory issues and conduct co-sourced credit reviews for his financial services clients. Previously Bernardo covered wholesale credit risk as a senior examiner in large bank supervision at the OCC - examining complex SNCs CCAR/DFAST modelling CECL and credit / market risk functions across multiple LOBs and industries.