Tilcia Toledo is a Managing Director at FTI Consulting. She is a member of the Financial Services practice and is based in Washington, D.C. Ms. Toledo specializes in risk management, governance, compliance and financial analysis. She leverages over 25 years of experience in investment banking, regulatory compliance and consulting to deliver valuable solutions to a variety of national and global financial institutions.
Ms. Toledo leads the delivery of remediation efforts of financial institutions seeking to comply with regulatory corrective actions including matters requiring immediate attention, consent orders and voluntary liquidation.
Ms. Toledo has served as the risk management subject matter expert on multiple monitorships related to non-compliance with Bank Secrecy Act, Anti-Money Laundering and Office of Foreign Assets Control regulations. She has reviewed relevant risk assessment reports and provided guidance aligned with regulatory expectations.
Ms. Toledo advises Boards of Directors, Board Risk Committees and Compliance Committees on corporate governance, management structures, charters, policies and procedures. She provides foreign banking organizations with guidance on oversight of their U.S. and international operations, ensuring they are compliant with U.S. regulations.
Prior to joining FTI Consulting, Ms. Toledo was a Senior Associate at Booz Allen Hamilton where she served as a project manager, subject matter expert and technical lead for engagements with an emphasis on federal regulatory compliance, enterprise risk management, asset valuation, risk underwriting, business process reengineering and financial industry analysis.
While at the Federal Deposit Insurance Corporation (FDIC), Ms. Toledo served as a principal subject matter and technical expert for capital markets. In addition to selling distressed assets to third parties, she developed capital markets policies and procedures for disposing of FDIC-held syndicated loans and served as technical evaluation panel expert for complex securities, commercial real estate securitization, structured asset sales and syndicated loan contracts.
Additionally, Ms. Toledo was seconded to the Office of Complex Financial Institutions where her work included analyzing capital, liquidity, asset quality, management and strategic business activities.
During her tenure at GE Capital, BNP Paribas, Scotia Capital and JP Morgan, Ms. Toledo was an investment banker in leverage finance. She managed the underwriting, capital markets and syndication processes of large complex acquisition transactions for corporate clients and private equity sponsors. Ms. Toledo generated over $120 million in revenue and syndicated volume in excess of $50 billion of commercial loans and high yield bonds.
Ms. Toledo’s thought leadership has been featured in ACAMS Today, Law360, ABA Banking Journal Directors Briefing, Connect-World and FTI Journal.