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Ray Mancino is an experienced risk management professional currently serving as an Independent Risk Management consultant at Sionic - A Davies Company since April 2023. Prior roles include Senior Industry Subject Matter Expert at KPMG US, VP International Risk Officer at Wells Fargo, and Senior Risk Advisor at Vanguard. Mancino has extensive experience in risk management, having held several VP positions at U.S. Bank, JPMorgan Chase & Co., TD Bank, Popular Financial Holdings, and in various roles in earlier positions, including Branch Manager at Household Finance and External Loan Officer at Countrywide Home Loans. Mancino's educational background includes studies at Penn State University and Villanova University, along with a Six Sigma Green Belt certification.