202.604.3445

Tom Freeman, Senior Advisor at Treliant, manages the firm’s Credit Risk services for banking, FinTech, and mortgage clients. Tom has over 30 years of experience in both the industry and as a consultant.

Previously, Tom has held executive roles at SunTrust (now Truist), including,  most recently as Corporate Executive Vice President, Efficiency and Strategic Partnerships Executive where he spearheaded initiatives to improve the efficiency and evaluate further FinTech alliances and as Corporate Executive Vice President, Consumer & Private Wealth Management Executive where he was responsible for SunTrust’s consumer lending, branch banking, private wealth management, investment, consumer product and credit card businesses, which serve nearly five million consumers.

Tom also served as SunTrust’s Chief Risk Officer, a position he held for 12 years, with full enterprise responsibility for credit, operational, compliance, and market risks. Prior to joining SunTrust in 2006 as executive vice president and chief credit officer, he was a principal at KPMG. In that role, he was responsible for providing credit risk and other advisory services to a variety of clients including large commercial banks. He joined KPMG in 2004 after a 14-year career at Fleet Boston Financial and its predecessors, where he held a series of increasingly responsible positions including: managing director, corporate strategy and development; consumer lending executive credit officer; director of portfolio management; and corporate vice president, commercial real estate. He began his career with Citibank in 1975 as a bank trainee, progressing to area manager in Houston in 1985, and regional credit officer in 1988.

Tom earned an MBA from the Amos Tuck School of Business Administration at Dartmouth College and graduated, cum laude, with a bachelor’s degree in Economics from Providence College. He is a member of the board of directors of the Risk Management Association.

Areas of Specialization

  • Anti-Bribery and Corruption
  • Anti-Money Laundering / Bank Secrecy Act
  • Bank Management
  • Commercial Banking
  • Community Reinvestment Act (CRA)
  • Complex Data Collections
  • Compliance Audits
  • Compliance Programs
  • Conduct Risk
  • Consumer Laws / Regulations
  • Corporate Governance
  • Credit Card / Payments
  • Credit Risk (Business)
  • Credit Risk (Consumer)
  • Due Diligence
  • Ethics Programs
  • Executive Leadership
  • Expert Witness Services
  • Fair Lending
  • Fraud Risk Management
  • Government Investigations / Whistleblower Response
  • Hedge Funds and CPOs
  • Home Mortgage Disclosure Act (HMDA)
  • Litigation Readiness
  • Litigation Support / Expert Witness Testimony
  • Lookbacks
  • Model Validation
  • Mortgage Law / Regulations
  • Mortgage Operations and Servicing
  • OFAC / Economic Sanctions
  • Operational Risk
  • Project Management
  • Recovery and Resolution Planning (Living Will)
  • Regulatory Exam / Management
  • Regulatory Relations
  • Remediation Plans / Implementation and Effectiveness Testing
  • Retail Sales Incentive Practices
  • Risk Assessments
  • Securities Compliance / Investment Company
  • Strategy / Strategic Planning
  • Third-Party Risk Mitigation
  • TILA-RESPA Integrated Disclosure (TRID) Compliance
  • Trading Room Conduct & Compliance
  • Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) Readiness