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Marshella Tjandra is a seasoned professional with extensive experience in model validation and risk management, currently serving as Manager of Model Oversight at Hyundai Capital America since September 2021. Prior roles include Vice President of the Model Validation Group at Citizens Bank, Assistant Vice President in Risk Management Group Model Validation at DBS Bank, and Manager of Enterprise Credit Model Validation at JP Morgan Chase. Marshella has also held positions at Discover Financial Services, Washington Mutual, and Deloitte, focusing on risk analysis and consulting in various capacities. Educational qualifications include a degree in Applied Statistics from Cornell University and a degree in Applied and Computational Mathematical Sciences from the University of Washington.