Joe Gutierrez has over 15 years of professional experience in the financial services industry primarily in consumer finance risk & operations. He has held key leadership roles throughout his career. Joe’s primary expertise include operational risk management, risk & control governance, regulatory & audit management, policy & procedure governance, change management, and vendor management. Joe has over 10 years of working directly with senior management. Joe is a strategic/creative change agent, who has helped his employers and clients improve operational risk practices, lead change initiatives and deliver high quality results in a complex cross-functional matrix environment.