Carine Pena

Carine Pena

International financial services exPERIENCE

  • New YORK, NY - USA


Entrepreneurial, performance driven, forward-thinking, multi-lingual executive with 10 years of solid progressive experience in risk, finance, strategy & business development in international regulatory environments (USA & Europe), looking to relocate to the UAE.

Process Improvement and Project Management Certified (Lean Six Sigma Green Belt Certification).

Innovative problem solver, natural team player, and effective leader with excellent interpersonal and communication skills at all levels and capacity to promote workforce efficiency through strong sensitivity and multicultural literacy. Proven ability to deliver under extreme pressure in any situation.

Basel  | Risk Management (Credit & Market Risk) | Business Operations

Strategic & Business Planning | Management Consulting | Process Improvement

 Regulatory Governance & Compliance | People Management



Post Graduate Certificate in FRM 

New York University (NYU)

Financial Risk Management

M. Sc. Business Administration & Management Sciences

Sorbonne Paris Cité University, Paris XIII

Maîtrise de Sciences de Gestion

Bachelors of Science in Banking Finance


Licence Professionnelle Banque Finance

Work History

Work History

Director, Risk & Information Management

2013 - Present

Key member of the Enterprise Data Governance Office since inception, the American Express team responsible for defining the data strategy and its supervision and governance company-wide as well as developing and implementing frameworks, policies, procedures to deploy enterprise-wide strategic vision and governance practices with an initial focus on regulatory matters (Basel and CCAR)


  • Ranked top 5% contributor company-wide
  • Received "Rookie of The Year" Award for my leadership role in the Strategic Partnerships Committee 
  • Team Leader of weekly project status meetings between 20 collaborators across 3 geographic locations


Budget & Program Management: Oversee $8MM budget and program management activities of the team's cross-functional strategic initiatives;

Frameworks & Policy Creation: Contribute to the development and implementation of frameworks, policies, procedures, and maturity assessments for Basel and CCAR data governance 

Maturity Assessments: Responsible for assessing critical lines of business governance maturity levels and compliance with industry-wide principles, as well as identifying gaps and risks.

Leadership: Facilitate monthly Basel and Enterprise Data Governance Council, communicate on strategic roadmap and risk framework initiatives and assessment approaches, status, and results to internal and external stakeholders (Audit and regulatory agencies)

Vice President, Institutional Client Group, Regulatory Solutions

2011 - 2013

Internal management consultant –Provided benchmarked Basel best regulatory practices by aligning change agent mindset with team leadership expertise. Supervised compliance with Basel Rule.

Part of multi-year implementation of Basel regulations with responsibility for the following:

Strategic Research: Provided strategy expertise and kept abreast of key regulatory capital requirements (Basel, Dodd-Frank) for US jurisdictions;

Analytical Problem Solving: Developed and manage tactical and strategic solutions to support timely delivery around the Basel 2.5 Market Risk framework;

Cross Functional Team Work: Lead work efforts through concept, implementation and execution of organization’s change management and Capital Management (“Glidepath”) initiatives;

Process Improvement: Performed data and business process analysis to improve regulatory capital calculation accuracy; Prioritized issues while facilitating the appropriate escalation process and ensuring that ownership for corrective action is established and tracked;

Client Management: Cultivated strong client/stakeholder relationships with Risk, Product Control, Operations and Front Office to ensure appropriate implementation of corrective actions for raised issues;

Innovation: Initiated an intra-group employee training program across 3 geographical regions to enhance Basel knowledge

Associate/Analyst, Basel

2007 - 2011

SGCIB is a French multinational banking and financial services company with worldwide offices and headquartered in Paris.

*****************************************************************Only Associate selected for "VP and above 18 month Leadership Development Program" 


Associate Lead in the Basel Regional Office (US, Canada, Brazil), Liquidity and Capital Management Group,  Credit Risk Reporting

  • Maintained an understanding of key regulatory requirement/rules in the determination of risk weighted assets under the Basel 2 framework and implementation in the Basel infrastructure/RWA calculator;
  • Partnered with policy, product control, risk, operations, and technology to ensure compliance and efficiency in the Basel process
  • Delivered monthly and quarterly end-to-end processing and analysis of RWA calculations and reporting for the banking book;

Analyst, Accounting & Controls Reporting, Basel 2

  • Reviewed and analyzed risk measurement indicators (i.e. RWA, EAD, PD, LGD), examined trends and provided appropriate variance analysis for senior management;
  • Identified process adjustments trends and opportunities and responsible for an implementation plan to improve the calculation of RWA and regulatory reporting

Accounting Analyst Consultant, Property Management Unit

Related companies
2006 - 2007
  • Assist the Group Controller in the formulation and implementation accounting policies (GAAP and IFRS), in particular those policies that help to standardize group reporting practices;
  • Handled consolidation of monthly financial reporting package for residential, condominium, and retail properties with revenues in excess of $400 Million

Carine's Gap Year

2005 - 2006

After graduation, I decided to embark on a world tour and travelled throughout Europe, Africa and Asia

Cost Controller Analyst, Exploration-Production Unit

2002 - 2004

This was a  2 year work-study contract (parallel to my Master’s degree) with the Exploration & Production unit of Total, the 4th largest global oil and gas player with operations in over 130 countries and market capitalization of over EUR101 billion.

  • Development and management of weekly product financial metric reports and analysis tools, Monthly forecasting of revenue and expenses and variance analysis.

Professional MEMBERSHIPS


  • Native Fluency in French
  • Conversational Spanish and Italian
  • Beginner Arabic
  • Proud Adventure Traveler
  • 30+ passport stamps
  • Fitness Training

Mission Statement

Aim High. Impossible Is Nothing. Make It Happen. Have Fun. Think Different.