Ms. Carlin retired from Morgan Stanley Group in 2012, having previously spent 30 years serving Credit Suisse Group and Morgan Stanley Group in a number of legal, regulatory and risk management positions. She served as Managing Director for Morgan Stanley Group from 2006 – 2012, during which time she served as Global Head, Financial Holding Company Governance and Assurance Department and the Operational Risk Management Department. In this role she advised and counseled the CEO and senior management on matters affecting corporate governance and operational risk. From 2003 – 2006, she served as Managing Director and Global Head of the Bank Operational Risk Oversight Department for Credit Suisse Group. Ms. Carlin is currently a member of the Board of Directors of PHH Corporation, a NYSE listed company, chairing the Regulatory Oversight Committee and is a member of the Audit Committee and the Finance and Risk Management Committee. Ms. Carlin holds a J.D. from the Benjamin N. Cardozo School of Law, and a B.A. in Political Science from State University of New York at Stony Brook.