Executive Credit, Risk & Strategic Advisory

Executive judgment. Operating experience. Independent perspective.

Rita Carroll selectively advises publicly and privately held financial institutions, fintechs, private equity sponsors, investors and boards on complex credit, risk, transaction and governance matters—bringing senior operating experience and independent judgment to consequential decisions.

Selected executive experience

PNC Financial · Discover Financial Services (now Capital One) · HSBC · TCF Bank (now Huntington) · Cross River Bank

Available for Select Engagements

Focused advisory where experience matters.

Direct senior-level support for complex credit, risk, transaction, governance and regulated-growth decisions.

Executive Credit & Risk Leadership

Interim CRO / CCO leadership; enterprise, first- and second-line risk; governance and regulatory remediation.

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PE & Portfolio Due Diligence

PE acquisition and disposition diligence across consumer, SMB, equipment, inventory and specialty finance.

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Portfolio Transactions

Acquisition and disposition analysis connecting credit performance, underwriting, concentrations and operating realities.

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Charter & Regulated Growth

De novo bank and trust charter strategy, fintech charter and bank-acquisition readiness.

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Board, Governance & M&A

Board-level risk counsel, three-lines-of-defense governance, M&A diligence and integration readiness.

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Executive Experience

Experience from inside the institution.

29+ years across publicly and privately held financial institutions, fintech platforms and specialty-finance businesses. Rita's background spans C-suite and EVP leadership, enterprise and first-line risk, second-line risk governance, consumer and commercial credit, fintech partnerships, portfolio management, regulatory remediation, M&A and business transformation.

29+Years in financial services
$46BManaged receivables platform at TCF
~$30B2021 originations at Cross River Bank
Selective Engagement Intake

Discuss an opportunity.

Liraca Advisory considers a limited number of executive, transaction, strategic and board engagements. Rita personally reviews each inquiry. Follow-up is based on alignment, timing and availability.

Confidentiality: Please provide only a high-level, non-confidential overview at this stage.

Submitting an inquiry does not create an advisory or professional relationship. Availability is limited and engagements are subject to mutual fit and appropriate terms.