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Candice Ward is a seasoned professional in data analytics and risk management, currently serving as the Data Analytics Director at Santander Bank, N.A. and Santander Consumer USA. With prior experience as SVP of Operational Risk Management and SVP of Emerging Risk Management at Citi, Candice has developed a robust expertise in operational and emerging risks. Further experience includes serving as a Business and Strategy Advisor at the Consumer Financial Protection Bureau (CFPB) in the Office of Fair Lending & Equal Opportunity, and holding a role in Data Science at Business Analytics, Inc. Candice's educational background includes a Master of Science in Financial Engineering from the Fox School of Business at Temple University and a Bachelor of Arts in Legal Studies from the University of Central Florida.