& C ORPORATE A UDIT & S ECURITY

Who We Are A Snapshot of BANK ONE & CORPORATE AUDIT & SECURITY

C ORPORATE A UDIT & S ECURITY Bank One Vision & Values Customers Speed & Simplicity People Ethics & Integrity TeamworkExtraordinary Performance Exceptional results through exceptional people

C ORPORATE A UDIT & S ECURITY One of the Top 5 Banks in the US Citigroup Chase Manhattan Bank One BankAmerica J.P. Morgan

What We Do An Example of How We Review a Client & CORPORATE AUDIT & SECURITY

C ORPORATE A UDIT & S ECURITY Home Equity Lending (Originations) Home Equity = Value of Home - What is Currently Owed Originations = Actions from the time of Application to Funding of the Loan

Focus on Client’s Key Processes C ORPORATE A UDIT & S ECURITY Processes = What the client does Key Processes in Home Equity Lending

C ORPORATE A UDIT & S ECURITY Identification & Analysis of Risk Risk = What could possibly go wrong with this process Risks in Credit Decisioning

C ORPORATE A UDIT & S ECURITY Evaluation of Controls Controls = What management is doing to make sure nothing goes wrong Controls over Risk of Improper Credit Judgment

C ORPORATE A UDIT & S ECURITY Testing of Controls Testing = How we make sure management is taking the right actions to keep things from going wrong Tests to Validate Management Reviews of Employee Work

Management is not doing enough to ensure that nothing goes wrong or controls are not working the way management had intended C ORPORATE A UDIT & S ECURITY Identify Issues and Develop Solutions Issue = Once issues are identified, we partner with management to develop and implement solutions

What We Offer An Overview of Our Culture & CORPORATE AUDIT & SECURITY What We Offer

A methodology to analyze a client’s business, identify issues and develop solutions A small consulting firm “feel” within a large corporate environment Exposure to top management Exposure to various lines of business Targeted training programs to help you develop your skills C ORPORATE A UDIT & S ECURITY What We Can Do For You Provide...

Consumer Lending Investment Management Credit Card & Corporate Staff Corporate Banking & Capital Markets Operations & Delivery Information Technology Technical Security Investigations & Asset Protection Loss Avoidance & Analysis C ORPORATE A UDIT & S ECURITY Corporate Audit and Security Teams

Challenging Assignments Performance Development Teamwork Fun C ORPORATE A UDIT & S ECURITY Corporate Audit and Security Environment

C ORPORATE A UDIT & S ECURITY Corporate Audit and Security Opportunities Professional Development Program Information Technology Rotation Program Summer Internship Program Corporate Audit... Corporate Security... Professional Development Program

C ORPORATE A UDIT & S ECURITY Summer Internship Program Work on a Line of Business Audit team Get exposure to various areas of the bank Pair up with a mentor/coach Be involved in “real-life” projects Work on challenging assignments & priorities Develop professional skills & competencies Set personal goals & objectives for the internship Interact with a variety of people (other Audit interns, team members, clients, Audit Directors & executive management) Receive competitive salary

C ORPORATE A UDIT & S ECURITY Professional Development Program Work on a Line of Business Audit team Be exposed to various areas of the bank Pair up with a mentor/coach Contribute to team projects immediately Work on challenging assignments & priorities Build client relationships Have the opportunity to travel Develop key competencies & skills Interact/network with other program participants Receive competitive pay & benefits