Bernardo is Head of Credit Risk Review at ICBC, overseeing wholesale credit reviews across commercial real estate, project and fund finance, corporate C&I, leveraged lending, credit policy, underwriting, CECL, and portfolio monitoring. Previously, he was a Risk Advisory Director at KPMG, leading large-scale initiatives to enhance credit and global risk management, remediate regulatory issues, and deliver co-sourced credit reviews for financial institutions. Earlier, as a National Bank Examiner at the OCC, he supervised large banks, assessing wholesale credit risk, complex shared national credits, CCAR/DFAST models, CECL, and broader credit and market risk functions. He brings deep regulatory insight and leadership.