Owns the ACL process across all portfolios — consumer, indirect auto, real estate, commercial/member business, investments (AFS/HTM), and off-balance-sheet exposures — including model execution, qualitative factor framework, individually evaluated loans, and reasonable and supportable forecast selection. Directs all tax compliance for the Credit Union and related entities, including Form 990 and 990-T (unrelated business income tax) analysis and filings, payroll and information reporting oversight, state and local filings, and property/sales tax where applicable.