Carlos D. Martinez

Carlos D. Martinez has extensive experience in risk management and financial analysis. Carlos D. currently serves as the SVP and Director of Enterprise Risk Management at Heartland Financial USA, Inc. Their previous roles include SVP of Enterprise Risk Management at Penf and Chief Risk Officer (CRO) at Opus Bank. Carlos also has experience in credit risk analytics, financial reporting, and business planning from their previous positions at Kinecta Federal Credit Union, Wells Fargo, Balboa Insurance Group, H&R Block, Trojan Battery Company, and Hewitt Associates. Throughout their career, Carlos has demonstrated expertise in risk management frameworks, regulatory compliance, data management, and financial forecasting.

Carlos D. Martinez earned a BA in Soc. Major (Bus./Org. Development) from the University of California, Riverside in 2000. Carlos D. later completed their Master of Business Administration (MBA) with a focus on Finance, General at the University of California, Irvine - The Paul Merage School of Business between 2001 and 2004.