Joe Gutierrez, MBA, is a compliance and risk management executive with over 20 years of experience in leading enterprise-wide risk frameworks in global financial institutions. They have a proven track record of transforming regulatory challenges into strategic opportunities, specializing in compliance culture, risk appetite frameworks, and aligning operational strategies with enterprise goals. Joe has held senior roles at Citi, where they led compliance risk appetite initiatives and advanced risk reporting efforts, and previously at PricewaterhouseCoopers and Kleberg Bank, contributing to operational risk management and process improvement. They earned a BS in Business Administration and an MBA from Texas A&M University-Corpus Christi.
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