JH, a partner at Deloitte Risk & Financial Advisory, Deloitte & Touche LLP, as well as Global Risk Advisory leader for the Financial Services Industry, has more than 25 years of risk management experience within the sector. He has deep experience with the complete credit lifecycle, enterprise risk management, operational risk, and integrated compliance risk management. His extensive experience in the area of credit includes quantitative methodology, portfolio analytics, process, and controls, integrating risk management practices, and addressing and resolving the Options Clearing Corporation (OCC) and other regulatory issues. JH has worked with seven of the top 10 credit card providers, four of the top five mortgage originators and servicers, two of the top three student lending organizations, and three of the top five auto loan financing companies. In addition, he has performed training sessions for the American Institute of Certified Public Accountants (AICPA) and the Federal Financial Institutions Examination Council (FFIEC) regulatory round table on accounting issues and pronouncements facing retail credit organizations.