Pablo is the Director of Model Risk Management (MRM) for Stellar bank. Pablo previously worked at First Hawaiian Bank, Abrigo Advisory, Bank of America, and First Tech Federal Credit Union. Pablo’s core experience is in validating high risk models including CECL, Liquidity Stress Test, IRR, Capital Planning Stress Test (CPST), BSA and fraud models. Pablo’s focus has been supporting and enhancing MRM programs, building out the frameworks for the institutions to enhance their model review practices, setting up an efficient MRM budget, and for the institutions to meet regulatory expectations. Pablo’s validation emphasis has been building challenger models that senior management can use as effective risk and strategic management tools.