Joseph Elias

Strategic and results-driven risk management executive with extensive expertise in enterprise risk management (ERM), regulatory compliance, corporate governance, and data driven risk solutions.

Renowned for designing integrated risk frameworks, GRC systems, third party risk programs, portfolio risk solutions and systematic licensing processes that reduce exposure, enhance operational efficiency, and ensure regulatory adherence.

Proven leader in regulatory affairs, mortgage licensing, third-party risk, fair lending, HMDA compliance and portfolio analytics, delivering transformative outcomes in high-stakes environments.

Skilled at building data-driven tools, statistical models, and cybersecurity monitoring systems to drive proactive risk management.

Fluent in English and Spanish, I excel at leading cross-functional teams, aligning risk and governance strategies with business objectives by fostering collaboration and creating a culture of compliance and innovation.

Core Competencies:

• Enterprise Risk Management (ERM) | Regulatory Compliance (HMDA, NMLS, MCR)

• Governance, Risk & Compliance (GRC) Systems | Portfolio Risk Analytics

• Mortgage Licensing & Corporate Governance | Fair Lending & Compliance Audits

• Third-Party Risk Management | Quantitative Risk Modeling

• Cybersecurity & Social Media Monitoring | Data Analytics & Business Intelligence

• Strategic Leadership | Process Optimization | Regulatory Reporting