Michael Cruz

Michael Cruz, CFA has a diverse and extensive work experience in the financial sector. Michael is currently serving as the SVP of Risk Management at the Credit Union of Southern California, where they established a compliance department and implemented risk measurement strategies for loan and deposit products. Previously, Michael worked at the Federal Housing Finance Agency as a Lead Financial Regulator, overseeing the safety and soundness of the Federal Home Loan Bank System's access to liquidity. Michael also held positions as a Principal Examiner and Senior Examiner, where they conducted in-depth analysis and provided valuable credit risk recommendations. Earlier in their career, Michael worked at the NCUA as a Principal Financial Regulator and played a crucial role in developing strategic plans for credit unions. Michael also gained experience as a Regulatory Auditor at the U.S. Department of Homeland Security. Throughout their career, Michael has consistently demonstrated a strong understanding of risk management and financial regulation.

Michael Cruz, CFA earned a Bachelor's degree in Accounting from Cal State Fullerton, College of Business and Economics. Michael also obtained a Master of Business Administration (MBA) with a focus on Finance from Chapman University. In addition to their degrees, Michael has earned several certifications including the Advanced Fixed Income Professional Certificate and the Advanced Risk Management Professional Certificate from the New York Institute of Finance. Michael is also certified in Risk and Information Systems Control (CRISC) by ISACA. Michael is a Chartered Financial Analyst (CFA) certified by the CFA Institute.