City National Bank of Florida

Client Services Representative

• Answer inbound and place outbound calls, taking appropriate action on client questions, concerns, or issues related to products and services
• Deliver consistent client service and support via telephone, email, or in person
• Provide accurate responses by adhering to established policies, procedures, and regulatory requirements
• Maintain quality assurance standards and participate in quality monitoring sessions
• Provide detailed information about bank products, services, policies, and procedures
• Identify call trends or potentially suspicious activity and notify management and/or the Fraud Investigations Unit
• Maintain working knowledge of digital banking applications, branch systems, and basic branch balancing processes
• Meet performance targets, including average handling time and first call resolution
• Distinguish user errors from technical issues and escalate concerns when appropriate
• Ensure compliance with operational, regulatory, and security policies and procedures
• Communicate with other departments to support teamwork and accurate information sharing
• Follow department scheduling guidelines and report attendance or schedule discrepancies
• Provide policy and procedure guidance related to trusts, guardianships, estates, court orders, and powers of attorney
• Open case tickets in Elevate and route requests to appropriate departments
• Maintain proficiency in digital banking functions such as Zelle and wires
• Complete assigned special tasks or projects
• Cross-train across operational units within the Client Support department

Client Care Specialist

• Support servicing needs of large Corporate, Real Estate, Business Banking, and Private Client Group clients through Depository, Loan, and Treasury Management services
• Address client service requests and inquiries promptly and efficiently to support retention and satisfaction
• Initiate client outreach and ensure adherence to company policies and regulatory requirements
• Handle loan servicing requests, including advances, pay-downs, statements, billing issues, insurance, escrows, and flood insurance
• Onboard new clients by opening and processing accounts, products, and services
• Serve as primary client-servicing contact and collect, review, and upload required account documents and disclosures
• Coordinate with Electronic Banking and Treasury Management on onboarding, forms, implementation, and training
• Complete customer profiles, CIP, ChexSystems checks, ownership information, account profiles, OFAC and Google searches
• Maintain analysis composites and integrate, link, and balance client data for analysis and reporting
• Process domestic and international wire transfers, internal transfers, stop payments, cashier’s checks, and debit cards
• Manage overdraft decisions and approvals within authorized limits
• Satisfy BSA/RFI requests, including EDD/KYC updates, PO alerts, OFAC, and high-risk reviews
• Complete KYC/EDD updates and Regulatory Excellence Consultant findings requests
• Follow up on onboarding and maintenance activities, including funding, Treasury Management implementation, online banking setup, and KYC status
• Escalate unresolved issues to the Relationship Manager or Supervisor
• Complete Reg E disputes, fraud and check disputes, check processing corrections, and Aithent activities
• Manage deposit-account requests including customer information maintenance, CIP corrections, account closures, address changes, signer changes, and deposit research
• Resolve exception items from Deposit Operations and the Non-Post database
• Prepare client letters, emails, reports, Excel sheets, PowerPoint presentations, and organizational charts
• Organize and maintain deposit and loan client files
• Maintain product knowledge, attend training, assess client needs, and cross-sell bank products and services
• Communicate with internal departments and Relationship Managers regarding client activities, issues, RFI status, compromised accounts, and opportunities
• Participate in on-site client visits and relationship reviews as needed
• Facilitate collection of loan-closing checklist items and support Relationship Manager dashboard and pipeline management
• Coordinate payoffs/releases, fee waivers, past dues, maturing loans, minimum deposit requirements, covenants, and loan ticklers

Senior Client Services Specialist

Manager

• Report to the Director of Residential Lending
• Maximize mortgage lending production in the assigned area
• Grow mortgage market share and establish new bank customers
• Drive cross-sell, pipeline management, recruiting, compliance, training, and development of direct reports
• Meet and exceed individual and team sales goals, including deposits and loans
• Manage strategic partnerships to maximize residential lending production for Mortgage Bankers and Loan Production Assistants
• Grow, retain, and cultivate a diverse, inclusive, and effective sales team
• Oversee business integrity of the assigned market area
• Manage mortgage loan officer activities promoting and providing products and services
• Drive productivity through sales initiatives and market strategies
• Develop proactive sales plans for customer growth and retention
• Manage sales processes to ensure an exceptional client experience
• Implement policy changes in the assigned area
• Analyze resources and staffing, evaluate direct reports, and support professional development
• Recruit qualified Mortgage Bankers and maintain a recruitment pipeline
• Oversee mortgage pipeline, upfront loan processes, and quality file submissions
• Meet production budget goals and minimum production standards
• Provide continuing education and roll out strategic initiatives
• Maximize cross-sell efforts and create complete customer relationships
• Collaborate with internal and external business partners on sales strategies
• Establish partnerships with Retail, Wealth, and Commercial lines of business
• Respond to escalations and promote a collaborative, inclusive work environment
• Maintain knowledge of mortgage markets, products, pricing, laws, compliance, regulations, competitors, technology, and industry issues
• Assess and manage business risks under the CNB Risk Management Framework
• Ensure compliance with bank policies, regulatory guidelines, and Fair Lending
• Ensure direct reports complete required compliance training on time

Mortgage Market Manager

• Support servicing needs of large Corporate, Real Estate, Business Banking, and Private Client Group clients through Depository, Loan, and Treasury Management services
• Address client service requests and inquiries promptly while following company policies and regulatory requirements
• Handle loan servicing requests including advances, pay-downs, statements, billing issues, insurance, escrows, and flood insurance
• Manage onboarding of new clients by opening and processing accounts, products, and services
• Serve as primary client-servicing contact and manage required deposit-account documents and disclosures via DocuSign or in person
• Coordinate with Electronic Banking and Treasury Management on onboarding, forms, implementation, and training
• Complete customer profiles, CIP, BizChex/ChexSystems, ownership information, account profiles, list checks, OFAC checks, and Google searches
• Set up and maintain analysis composites and ensure client data is linked and balanced for analysis and reporting
• Process domestic and international wire transfers, internal transfers, stop payments, cashier's checks, and debit cards
• Handle overdraft decisions and approvals within authorized limits
• Collect missing documents and satisfy BSA/RFI requests, including EDD/KYC updates, PO Alerts, OFAC, and high-risk reviews
• Complete KYCs/EDDs and Regulatory Excellence Consultant findings within defined timeframes
• Follow up on onboarding and maintenance activities, including account funding, Treasury Management implementation, online banking setup, and KYC status
• Escalate unresolved issues to the Relationship Manager or Supervisor
• Complete Reg E disputes, fraud resolution, check disputes, check-processing errors, and Aithent-related activities
• Process deposit-account requests including CIS maintenance, CIP corrections, account closures, address changes, signer maintenance, and deposit research
• Resolve exception items from Deposit Operations and the Non-Post database
• Prepare client letters, emails, reports, Excel sheets, PowerPoint presentations, and organizational charts
• Organize and maintain deposit and loan client files
• Maintain product knowledge, attend training, assess client needs, and cross-sell bank products and services
• Communicate with internal departments and Relationship Managers regarding client activities, issues, RFI status, compromised accounts, and opportunities
• Participate in on-site client visits and relationship reviews as needed
• Ensure adherence to operational, regulatory, and security policies and procedures
• Support Relationship Manager dashboard and pipeline management, KYC, payoffs/releases, fee waivers, past dues, maturing loans, minimum deposit requirements, and covenants
• Collect, review, and upload loan-required ticklers and covenants in accordance with loan conditions

• Support servicing needs of large Corporate, Real Estate, Business Banking, and Private Client Group clients through Depository, Loan, and Treasury Management services
• Address client service requests and inquiries promptly and efficiently to support retention and satisfaction
• Initiate client outreach while adhering to company policies and regulatory requirements
• Handle loan servicing requests, including advances, pay-downs, statements, billing issues, insurance, escrows, and flood insurance
• Manage onboarding of new clients by opening and processing accounts, products, and services
• Serve as the primary client-servicing contact and maintain comprehensive relationship knowledge
• Issue, collect, review, and upload deposit account documents and disclosures
• Coordinate with Electronic Banking and Treasury Management on onboarding, forms, implementation, and training
• Complete customer profiles, CIP, Bizchex-Chexsystem, ownership information, account profiles, list checks, OFAC, and Google searches
• Set up and maintain analysis composites and ensure client data is linked and balanced for analysis and reporting
• Handle domestic and international wire transfers, internal transfers, stop payments, cashier's checks, and debit cards
• Process overdraft decisions or obtain approvals within authorized limits
• Collect missing documents and satisfy BSA/RFI requests, including EDD/KYC updates, PO alerts, OFAC, and high-risk reviews
• Complete KYCs/EDDs and Regulatory Excellence Consultant findings within required timeframes
• Follow up on onboarding and maintenance activities including account funding, Treasury Management implementation, online banking setup, and KYC status
• Escalate unresolved issues to the Relationship Manager or Supervisor
• Complete Reg E disputes, resolve fraud and check disputes, and address check-processing errors in Aithent
• Process deposit-account requests including CIS maintenance, CIP corrections, account closures, address changes, signer maintenance, and deposit research
• Resolve exception items from Deposit Operations and the Non-Post database
• Prepare client letters, emails, reports, Excel sheets, PowerPoint presentations, and organizational charts
• Organize and maintain client deposit and loan files
• Maintain product knowledge, attend training, assess client needs, and cross-sell bank products and services
• Communicate with internal departments and Relationship Managers regarding client activities, issues, RFI status, compromised accounts, and opportunities
• Participate in on-site client visits and relationship reviews as needed
• Adhere to operational, regulatory, and security policies and procedures
• Facilitate collection of loan-closing checklist items and support Relationship Manager dashboard and pipeline management
• Create opportunities, complete KYC with Relationship Managers, coordinate payoffs/releases and fee waivers, and resolve past dues, maturing loans, minimum deposit requirements, and covenants
• Collect, review, and upload loan-required ticklers and covenants

Client Services Specialist

• Meet servicing needs of large Corporate, Real Estate, Business Banking, and Private Client Group clients through Depository, Loan, and Treasury Management services
• Address client service requests and inquiries promptly and efficiently
• Handle loan servicing requests, including advances, pay-downs, statements, billing issues, insurance, escrows, and flood insurance
• Manage onboarding of new clients by opening and processing accounts, products, and services
• Serve as primary client-servicing contact and maintain relationship knowledge
• Collect, review, and upload deposit account documents and disclosures
• Coordinate Electronic Banking and Treasury Management onboarding activities
• Complete customer profiles, CIP, Bizchex-Chexsystem, ownership information, account profiles, list checks, OFAC and Google searches
• Set up and maintain analysis composites and integrate account information for reporting
• Process domestic and international wire transfers, internal transfers, stop payments, cashier's checks, and debit cards
• Manage overdraft decisions or approvals within authorized limits
• Collect missing documents and satisfy BSA/RFI requests, including EDD/KYC, PO Alert, OFAC, and high-risk reviews
• Complete KYC/EDD updates and Regulatory Excellence Consultant findings requests
• Follow up on onboarding and maintenance activities, including funding, Treasury Management implementation, online banking setup, and KYC status
• Escalate unresolved issues to the Relationship Manager or Supervisor
• Complete Reg E disputes, fraud resolution, check disputes, check processing errors, and Aithent activities
• Process deposit-account maintenance, account closures, address changes, signer changes, and deposit research
• Resolve exception items from Deposit Operations and the Non-Post database
• Prepare client letters, emails, reports, Excel sheets, PowerPoint presentations, and organizational charts
• Organize and maintain deposit and loan client files
• Maintain product knowledge, assess client needs, cross-sell products, and refer opportunities
• Communicate with bank departments and Relationship Managers regarding client activities, issues, RFIs, compromised accounts, and opportunities
• Participate in on-site client visits and relationship reviews as needed
• Facilitate collection of loan-closing checklist items and support RM dashboard/pipeline management
• Collect, review, and upload loan-required covenants and ticklers

Business Analyst

• Track required financial statements, covenant compliance certificates, and other borrower deliverables for assigned financial sponsor portfolios
• Follow up with sponsors on missing deliverables and provide timely reporting on late items
• Escalate overdue or missing items as needed
• Maintain a centralized database of key credit risk metrics across the portfolio
• Analyze and report trends at borrower and portfolio levels
• Assist with periodic borrower and facility evaluations, including annual reviews, performance tracking, emerging-risk identification, and action recommendations
• Generate reports and presentations on portfolio performance, risk exposure, and key metrics for senior management and stakeholders
• Collaborate with origination, investment banking, and other first-line teams on portfolio management activities
• Attend leading capital markets, structured finance, and asset-backed securities industry events occasionally
• Travel 10–20% of the time for meetings and industry events

Capital Markets Portfolio Management Analyst

General

• Provide operational and client service support to assigned Relationship Managers and corporate banking client relationships
• Execute processes related to loan approval, loan closing, deposit accounts, client onboarding, servicing, and regulatory requirements
• Collect, organize, review, and process financial, credit, applicant, loan, and client documentation
• Monitor loan status from post-approval through disbursement and follow up on servicing requests, payment schedules, delinquent accounts, ticklers, maturities, covenants, and minimum deposit requirements
• Complete client onboarding, customer profiles, CIP, ownership information, list checks, OFAC checks, Google searches, KYC documentation, BSA and RFI requests, EDD and KYC updates, PO Alerts, and High-Risk Reviews
• Coordinate with Relationship Managers, loan closers, legal counsel, the Legal Department, internal departments, external partners, and clients
• Maintain loan application, approval, renewal, modification, closing, and servicing records
• Upload loan documentation into DocMan and complete customer information in Elevate
• Update Relationship Manager dashboards and pipelines; create opportunities and coordinate payoffs, releases, and fee-waiver submissions
• Confirm loans are properly booked, waivers are in place, proceeds are disbursed, and financial-statement ticklers are established
• Handle deposit-account requests, new account packages, account maintenance cases, deposit and loan research requests, and exception items
• Communicate status updates, respond to client inquiries, identify potential product needs, refer opportunities, and escalate unresolved or non-routine matters
• Maintain knowledge of banking products, lending processes, internal policies, and regulatory requirements through training
• Provide backup coverage through cross-training in loan-related activities or account opening
• Perform other assigned duties and responsibilities

Corporate Banking Specialist

Compliance

• Conduct unannounced onsite banking-center assessments and monthly transaction quality assurance reviews
• Evaluate operational controls, documentation, logs, staff knowledge, policies, procedures, regulatory requirements, security protocols, and escalation expectations
• Identify and document control deficiencies, policy deviations, operational losses, near-miss events, and emerging risk trends
• Analyze recurring findings and process gaps and recommend improvements to controls, procedures, training, documentation, and management reporting
• Monitor corrective actions, evaluate remediation evidence, maintain the tracking repository, and escalate overdue or inadequate remediation
• Maintain assessment and testing documentation, including sampling registers, workpapers, evidence, findings, conclusions, and review results
• Communicate assessment results and provide risk-based coaching or procedural guidance
• Prepare management reporting on assessments, transaction reviews, operational losses, findings, trends, and corrective actions
• Provide assessment results for line-of-business risk and compliance forums and enterprise risk reporting
• Liaise with frontline business units, Operational Risk Management, Compliance, BSA/AML/OFAC, Fraud, and other support functions
• Provide operational support and risk-based coaching on new or revised policies, procedures, controls, and regulatory requirements
• Promote proactive identification, reporting, escalation, and remediation of operational and regulatory risks
• Participate in special projects, process changes, control enhancements, and other assignments

Senior Regulatory Operations Consultant

• Review, implement, set up, maintain, and support Treasury Management and Merchant Services products and related features
• Maintain security controls, segregation of duties, access requirements, and Bank policies and procedures
• Support new and existing Top Tier clients and assist the HOA team with Top Tier client servicing needs
• Serve as a servicing point of contact for Treasury Management matters
• Support client onboarding and relationship maintenance activities
• Perform inbound and outbound client calls on a recorded line, including follow-up, service support, training coordination, troubleshooting, and client education
• Review Treasury Management Agreements and establish accurate client access and product setups
• Assist with client requests, retention, satisfaction, issue resolution, and open-item follow-up
• Maintain updates, temporary limits, service limits, and access changes for existing clients
• Provide customer support for passwords, one-time passcodes, security methods, software/device-driver installation, file testing, client training, phone, email, KACE, and system platforms
• Track client issues through resolution and inform internal partners
• Maintain customer setups, products, functions, investigations, electronic files, and documentation
• Participate in product testing, implementations, conversions, and project activities
• Provide onsite or verbal training, installation, and service support
• Work with Relationship Managers and Treasury Management Sales Officers on client relationships, needs identification, and cross-selling referrals
• Participate in client visits, relationship reviews, and internal discussions
• Assess client data attributes and provide process-improvement input
• Ensure client relationships are set up in Analysis composites when applicable
• Complete Treasury Management project-management activities in a timely manner
• Accurately board account and customer information into various systems
• Maintain compliance, risk, banking-regulation, confidentiality, teamwork, and communication standards

Treasury Management Coordinator

• Meet servicing needs of Corporate, Real Estate, Business Banking, and Private Client Group clients through Depository, Loan, and Treasury Management services
• Address client service requests and inquiries promptly to support client retention and satisfaction
• Handle loan servicing requests, including advances, pay-downs, statements, billing issues, insurance, escrows, and flood insurance
• Onboard new clients by opening and processing accounts, products, and services
• Serve as primary client-servicing contact and maintain comprehensive relationship knowledge
• Issue, collect, review, and upload deposit-account documents and disclosures
• Coordinate Electronic Banking and Treasury Management onboarding, forms, implementation, and training
• Complete customer profiles, CIP, Bizchex-Chexsystem, ownership information, account profiles, list checks, OFAC checks, and Google searches
• Set up and maintain analysis composites and ensure client data is linked and balanced for reporting
• Process domestic and international wire transfers, internal transfers, stop payments, cashier’s checks, and debit cards
• Manage overdraft decisions or approvals within authorized limits
• Collect missing documents and satisfy BSA/RFI requests, including EDD/KYC, PO Alert, OFAC, and high-risk reviews
• Complete KYCs/EDDs and Regulatory Excellence Consultant findings within required timeframes
• Follow up on onboarding and maintenance activities, including funding, Treasury Management implementation, online banking setup, and KYC status
• Escalate unresolved issues to Relationship Managers or supervisors
• Complete Reg E disputes, fraud and check disputes, check-processing corrections, and Aithent activities
• Process deposit-account maintenance, account closures, signer changes, address changes, deposit research, and CIP corrections
• Resolve exception items from Deposit Operations and the Non-Post database
• Prepare client letters, emails, reports, Excel sheets, PowerPoint presentations, and organizational charts
• Organize and maintain deposit and loan client files
• Maintain product knowledge, attend training, assess client needs, and cross-sell or refer bank products and services
• Communicate with bank departments and Relationship Managers regarding client activities, issues, RFI status, compromised accounts, and opportunities
• Participate in on-site client visits and relationship reviews as needed
• Ensure adherence to operational, regulatory, and security policies
• Collect and upload loan-closing checklist items, loan ticklers, and covenants
• Support Relationship Manager dashboard and pipeline management, KYC, payoffs/releases, fee waivers, past dues, maturing loans, minimum deposit requirements, and covenants

• Collaborate with Relationship Managers to manage and expand the Corporate Banking portfolio
• Cultivate and retain long-term client relationships
• Identify market opportunities, monitor industry trends, and support new business development
• Support bank and corporate banking clients and resolve service requests and technical problems
• Conduct financial analysis for Relationship Managers
• Manage loan servicing requests, including payments, paydowns, invoices, statements, insurance, escrows, and flood insurance
• Collect, prepare, and process loan applications; support deal structuring, development, and maintenance
• Collect and review documents for new loan applications, renewals, and modifications
• Upload required loan documents into DocMan
• Verify applicant income, employment history, and creditworthiness
• Complete customer profiles, CIP, and ownership information in Elevate
• Perform list checks, OFAC and Google searches, and submit KYCs for review and approval
• Coordinate with legal, loan closers, counsel, and internal departments through approval and closing
• Maintain loan application and approval records
• Collect closing documentation and manage RM dashboard and pipeline
• Coordinate payoffs, releases, and fee-waiver submissions
• Follow up on loan booking, waivers, disbursements, and financial-statement ticklers
• Monitor loan portfolios, payment schedules, delinquent accounts, maturities, covenants, and minimum deposit requirements
• Adhere to lending regulations and internal policies
• Complete BSA/RFI, EDD/KYC, OFAC, high-risk review, and REC findings requests
• Manage onboarding and maintenance follow-up activities
• Complete Reg E disputes and other Loan/Risk Department items
• Process deposit-account requests, new account packages, maintenance cases, and deposit/loan research
• Resolve exception items from Deposit Operations and Non-Post databases
• Maintain product knowledge and complete assigned training
• Identify needs, cross-sell bank products and services, and refer opportunities to other departments
• Communicate loan application status, issues, renewals, past-due accounts, and opportunities to Relationship Managers
• Participate in on-site client visits and relationship reviews
• Cross-train across loan and account-opening specialties
• Perform other assigned duties

Senior Corporate Banking Specialist

Risk

• Underwrite and process loans for new bank clients and new loans to existing bank clients for commercial real estate
• Underwrite loan renewals as required by workflow
• Maintain loan quality control and support sound bank operations
• Administer assigned loan portfolios, including complex credits, construction projects, specialty property assets, renewals, modifications, annual loan reviews, covenant monitoring, and risk assessments
• Monitor, maintain, and potentially grow loan portfolios with Relationship Managers
• Identify changes in risk associated with existing loans and take necessary action
• Support Relationship Managers in sales efforts, joint client and prospect calls, market research, and other client-oriented projects
• Develop working knowledge of client relationships and prospect opportunities
• Ensure compliance with underwriting guidelines, credit policy, and regulatory requirements
• Structure and underwrite new credit requests and prepare credit approval packages
• Aggregate credit relationship details and perform quality control of supporting analyses
• Process renewal and modification transactions and participate in restructuring existing terms and conditions
• Gather client financial information for underwriting, portfolio servicing, annual loan reviews, and covenant testing
• Advise the Real Estate Risk Director on adverse changes in loan risk profiles
• Support documentation of risk rating changes, Watch List Action Plans, and transfers of underperforming credits to Asset Recovery
• Participate in bank examiner, auditor, and loan review staff examinations
• Participate in industry associations, seminars, and activities
• Conduct ad hoc projects assigned by Real Estate Risk management

Commercial Real Estate Portfolio Risk Officer

• Manage an assigned portfolio of commercial real estate loans
• Underwrite and process new credit requests, including complex credits and construction projects
• Underwrite specialty property assets
• Handle renewals and modifications of existing credits
• Conduct annual loan reviews
• Monitor loan covenants and assess risk changes based on market and industry conditions
• Ensure compliance with underwriting guidelines, credit policy, and regulatory requirements
• Structure and underwrite new credit requests and prepare credit approval packages
• Aggregate credit relationship details and quality-control supporting analyses
• Advise the Real Estate Risk Manager and/or Director of Real Estate Risk of adverse changes in loan risk profiles
• Partner with Relationship Managers to monitor, maintain, and potentially grow loan portfolios
• Process renewal and modification transactions and participate in restructuring existing terms
• Gather client financial information for underwriting, portfolio servicing, annual reviews, and covenant testing
• Document risk-rating changes and Watch List Action Plans, and support transfers of underperforming credits to Asset Recovery
• Support Relationship Managers in sales efforts, client and prospect calls, market research, and other client-oriented projects
• Develop working knowledge of client relationships and prospect opportunities
• Participate in reviews by bank examiners, auditors, and loan review staff
• Participate in industry associations, seminars, and activities
• Conduct ad hoc projects as directed by the Real Estate Risk Manager, Director of Real Estate Risk, or designee

Commercial Real Estate Portfolio Management Officer III

• Underwrite and process loans for new bank clients and new commercial real estate loans for existing clients
• Underwrite loan renewals as workflow requires
• Maintain loan quality control and administer assigned loan portfolios
• Underwrite and process complex commercial real estate credits, construction projects, and specialty property assets
• Process renewals and modifications of existing credits
• Perform or oversee timely annual loan reviews
• Monitor loan covenants and assess changes in risk based on market and industry conditions
• Monitor, maintain, and potentially grow loan portfolios with Relationship Managers
• Support Relationship Managers in sales efforts, client and prospect calls, market research, and client-oriented projects
• Maintain knowledge of client relationships and prospect opportunities
• Ensure compliance with underwriting guidelines, credit policy, and regulatory requirements
• Structure and underwrite new credit requests and prepare credit approval packages
• Aggregate credit relationship details and perform quality control of supporting analyses
• Gather client financial information for underwriting and portfolio servicing assignments
• Advise the Real Estate Risk Director on adverse changes in loan risk profiles
• Document risk rating changes and Watch List Action Plans and support transfers of underperforming credits to Asset Recovery
• Participate in reviews by bank examiners, auditors, and loan review staff
• Participate in industry associations, seminars, and activities
• Conduct ad hoc projects as directed by risk leadership