Joseph Sequeira

Senior Director
25+ years of financial services industry experience
Advises financial institutions on regulatory, operational, and accounting matters
Focuses on assessing internal controls and risk management practices
Charlotte
@alvarezmarsal
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Joseph Sequeira is a Senior Director with Alvarez & Marsal Restructuring & Turnaround in Charlotte. He brings more than 25 years of experience in global advisory services, executive leadership, risk management, corporate accounting and finance, and assurance services.

Mr. Sequeira advises financial institutions on regulatory, operational, strategic, credit, and accounting matters. He assists clients with retail origination and servicing self-assessments focused on governance, compliance, and operational excellence. In addition, Mr. Sequeira provides regulatory due diligence and post-acquisition support for domestic and international private equity, financial institution, and financial technology clients. 

Prior to joining A&M, Mr. Sequeira served as an Executive Vice President with BB&T Mortgage Lending. He established and led the first line defense risk management and risk oversight, including risk and control self-assessments, vendor risk management, quality monitoring, fraud management, complaints monitoring, policy and procedure development, issues resolution, and regulatory change management.

Previously, Mr. Sequeira managed finance, accounting, and regulatory reporting compliance functions for the legacy Golden West and Wachovia Mortgage loan portfolios at Wells Fargo. With Bank of America, he provided accounting policy advisory on preparation of SEC filings and valuation of mortgage servicing rights for the bank's consumer and commercial banking segments. Before that, Mr. Sequeira worked in the assurance services practice at KPMG, LLP, where he planned and performed financial statement audits for financial institutions. He is a United States Air Force veteran.

Mr. Sequeira earned a master’s degree in accounting from Appalachian State University. He is a Certified Public Accountant in North Carolina and a member of the American Institute of Certified Public Accountants. Mr. Sequeira is fluent in English and Portuguese. 

Insights By This Professional

SCRA protections and benefits remain high risk areas for financial services companies. Regulators continue to enforce the rights of servicemembers through informal and formal enforcement actions, civil money penalties, remediation for customer harm, credit repair of affected servicemembers, and necessary enhanced risk and control measures.
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The ADA assesses the robustness of balance sheets and earnings of thousands of companies across 33 countries, identifying companies that are in financial distress, as well as those with weak balance sheet robustness or weak performance.
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