Ms. Tejada, age 58, is a senior expert partner in Bain & Co., Inc.'s Financial Services practice and a leader on the global Risk, Finance & Compliance team. She advises financial services firms and corporate clients on governance and risk management, as well as industry best practices. As a trusted advisor to C-Suites around the world, she has deep subject matter expertise as applied to identifying and controlling risks. Over her 30+ year career, Ms. Tejada designed and implemented transformational initiatives such as re-engineering credit underwriting, enhancing risk operating models, as well as managing risks of M&A. She provided guidance on regulatory implications of enabling capabilities and innovation, leveraging experience early in career as an international bank supervisor with the Federal Reserve. She actively engages in strategic, actionable risk dialogues with board directors, investors and regulators. Ms. Tejada has held senior leadership roles at high-performing organizations, including Managing Director Credit Risk Management & Advisory at Goldman Sachs, Chief Credit Officer and Deputy Chief Risk Officer at KeyCorp, and Chief Strategic Enterprise Risk Officer at Wells Fargo. Maria Teresa is a board director at Pacific Mutual Holding Company and the Cleveland Museum of Natural History. She holds a M.A. from The Fletcher School, Tufts University and a B.A. from Williams College. Ms. Tejada's extensive financial industry experience, focus on risk management and strategy, and commitment to sustainability, are a valuable contribution to the Board and the Audit Committee.