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Ruthann K. Melbourne is Executive Vice President, Chief Risk Officer of IndyMac Bancorp, Inc. (Indymac®) and IndyMac Bank, F.S.B. (Indymac Bank® ). Ms. Melbourne is responsible for the corporate oversight and control of complex retained assets and associated interest rate risk hedges and management in the Corporate Accounting and Enterprise Risk Management Divisions. Prior to joining Indymac in February 2003, Ms. Melbourne was the Vice President in the Risk Research & Model Review Group of J.P. Morgan Chase & Co. in its New York office from July 2000 to February 2003. Ms. Melbourne has over 16 years of experience in due diligence audit, finance, risk management, risk research, marketing and related information systems. In addition, Ms. Melbourne has extensive experience with credit/market risk methodology, mortgage servicing right performance measurement, pricing/valuation model validation, credit derivative pricing, securitization comfort level support and interest rate and volatility term structure modeling. Ms. Melbourne holds a B.S. in Physics from the University of California, Santa Cruz, has an M.S. in Electrical Engineering from the California Institute of Technology and also received her Ph.D. in Finance from the University of Wisconsin.
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