A brief description of the services and delivery capability provided by our firm.

1. sentaire Solving business problems
with innovative solutions
sentaire Partners is a Unlike most consultants available side-by-side with your staff. Our
professional ser vices and in the industry sentaire Partners mission is to enhance our clients’
delivery firm with financial have real world experience. Our performance, profitability and
industr y exper tise and team has developed t heir our focus is on delivering bottom
functional competency in knowledge and honed their line results. Our clients are
Enterprise Risk Management, expertise through solving real Financial Services Institutions and
I n f o r m a t i o n Te c h n o l o g y, world complex problems with Capital firms. ! We assist our
Business Process i n n ova t i ve s o l u t i o n s . We clients by leveraging t he
Optimization, Cost participate and collaborate with knowledge and experience of
Management and Planning our clients to solve operating our subject matter experts — all
and Execution. problems, plan and execute who have extensive real world
sentaire Partners consist of a transformation initiatives, international experience in their
team of former financial services manage to successful conclusion respective arena.
Senior Executives and “Big Four” runaway programs and develop
consultants t hat are highly strategies to manage regulatory Results, pragmatism, resilience,
experienced professionals who challenges. We do not prescribe efficiency, and innovation is the
are passionate about results. a recipe, we are in the kitchen core DNA of our entire team.
Risk, Resiliency & Business Information
Project Office Compliance Optimization Management
• Project & Program
Management
• Bank acquisition planning • Compliance • Business Process • Cost Management
and execution • Basel II - Credit & Development and • Due Diligence and
• Execution & Change Operational Risk Improvement selection (companies &
Management products)
• Fraud Management • Business Process
• Information Security
• Enterprise Resilience Modeling
• Information Frameworks
• Internal Controls • Organizational
• Stabilization &
Modeling Optimization
sentaire Partners, LLC 8004 NW 154th Street, Suite 670 Miiami Lakes, FL 33016 T 352.356.8636 F 917.677.4761 www.sentaire.com

2. Edmundo Llopis profitability. He managed Citi’s platform. Michael is a subject matter
Managing Partner, is an Information Global Basel II PMO, in addition to expert in online security and fraud
Management and Operations other key enterprise initiatives. prevention. Michael is a holder of
Innovator and Change Agent with multiple US and International
over 25 years of experience leading Alain Simard Patents. Michael specializes in
Our Team high-impact teams in the financial Associate, Successfully managed Enterprise Architecture, Security and
services industry. He has successfully large teams and projects ($100MM Product Evaluation.
led enterprise wide organizational +) by emphasizing the value creation
transformation, leading change by and quantifiable Return on Simona DeFeo
introducing/adapting Investment components of every Associate, has been advising
business!processes, technologies project initiated. In addition to his executive management of Fortune
and/or new organizational models. experience in managing technology, 100 companies on operational risk
Edmundo provided execution and Alain Simard also has a strong and organizational strategy.
thought leadership for a global background in financial and Simona’s repertoire of client work
institution‘s Basel II Program. He also management accounting and includes Citigroup, Wachovia, Merrill
held the role of CTO/Chief Architect reporting in the financial services Lynch, Credit Suisse, UBS, Goldman
for a global bank. sector. He is a Subject Matter Expert Sachs and many others. She has
on Basel II, providing advise and advised management to make
Jaime Arcila solutions to Bank of Montreal and significant changes that affect
Principal, is an Operations and various Citi businesses. growth, corporate culture, mitigation
Technology executive with over 25 of risk and availability of operations.
years of experience in the Financial Hans Gyllstrom, PhD. Simona is the co-author of “Business
Services industry. He has deep and Associate, his career goals have Continuity for E-Commerce
broad global expertise in developing been focused on the development of Environments” published by ISACA.
and managing Operational Risk distributed computing, and agile
policies and procedures, Banking development techniques. Most Advisory Board
Processes Optimization, IT and recently Hans worked for Citi
Vendor Management.! Jaime developing enterprise wide Armando Fuentes
successfully led a number of efforts innovative solutions. Prior to Citii he Armando is a highly skilled Fraud/
to optimize organizations, processes was at BEA where he contributed to Risk Management executive and
and resources, He was a core the J2EE emergence. While at DEC Change Agent from a Fortune 100
member of a data center/systems he led Database and Middleware company in the financial industry,
regionalization team for a global development. From DEC Hans joined with over (25) years of experience
bank. AT&T, which had a joint venture with leading fraud management and
Delta Airlines, as Vice President of investigative teams in the financial
Herbert (Herb) Beyenbach Enterprise Design and Development. services and law enforcement
Principal, is a highly experienced industries.
professional in developing and Ravi Raman
implementing Operational Risk Associate, has been associated with Dan Schutzer, PhD., is currently the
policy, process and procedures. He the Indian IT industry for 28 years Executive Director of the Financial
has led cross-regional Business and has worked in various roles from Services Technology Consortium
Process Optimization and Cost programmer to CEO across 5 (FSTC),
Management initiatives. He assists companies. He has spent 21 of the
and coaches clients to assess the 28 years with Citi in various Contact us @
reliability of Financial and MIS capacities. Apart from Citi, Ravi has info@sentaire.com
accounting systems, putting methods worked in Tata Burroughs Limited,
and processes in place to safeguard and various Indian firms. He has For complete Bios of our team,
assets and misrepresentation of successfully implemented Basel II for please visit www.sentaire.com/our-
financial information. Citi throughout Asia. team/
Edwin (Ed) Sherin Michael Grandcolas
Associate, over the past forty years Associate, has many years of
Edwin Sherin’s business responsibility experience in developing and
has encompassed major line and designing Bank Branch, ATM and
staff positions at American Express Internet Banking Systems. Michael is
Company and at Citigroup, Inc. He the former Chief Architect for
was responsible for restoring Citibank Online. Citibank Online is
Primerica Corporation to the bank’s global internet financial
8004 NW 154th Street
sentaire Partners, LLC. Suite 670
Miami Lakes, FL 33016