OK, here's my submission:
KODIAK [PL 10 150 pp]ABILITIES (22) STR 12/20/26 (+1/+5/+8)*
DEX 10 (+0)
CON 12/31/34 (+1/+10/+12)*
INT 18 (+4)
WIS 16 (+3)
CHA 14 (+2)
*Includes bonuses for both Enhanced Abilities and Growth
SAVES (9) Toughness: +12; Fortitude: +12; Reflex: +5; Will: +7
SKILLS (11; 44 ranks) Climb 4 (+9)*; Gather information 6 (+8); Intimidate 8 (+10); Knowledge [chemistry] 6 (+10); Language [Spanish; Russian] 2; Notice 4 (+7); Stealth 8 (+8); Survival 4 (+7); Swim 2 (+7)*
*Includes Enhance Strength bonus
FEATS (21)
Attack focus (melee) 4; Benefit: Enigma [Iron Age]; Benefit: Security Clearance; Challenge: Improved Demoralize [Iron Age]; Damaging Escape [Iron Age]; Diehard; Endurance; Fearless; Improved grapple; Improved initiative 2; Jack-of-all-trades; Power Attack; Startle; Takedown attack; Track; Uncanny dodge [scent]; Well-informed
POWERS (59) Enhanced Strength 8 (8 pp)
Enhanced Constitution 19 (19 pp)
Growth 3 (Extra: Continuous, Flaws: Permanent) (9 pp)
Immovable 1 (1 pp)
Immunity 4 (aging, cold, critical hits) (4 pp)
Regeneration 6 (recovery rate: bruised = std action; recovery rate: staggered 1 round) (6 pp)
Super Strength 3 (
Heavy Load: 3.6 tons) (6 pp)
Strike 2 (
Feats: Mighty) (3 pp)
Super-Senses 3 (Tracking [scent], Scent, Ultra-hearing) (3 pp)
COMBAT (28) Attack +6 (ranged) / +10 (melee); Grapple +21; Damage +10 (strike); Defense +8; Initiative +8
Abilities 22 + Saves 9 + Skills 11 + Feats 21 + Powers 59 + Combat 28 + = 150
President Nixon had just established the Environmental Protection Agency when Kevin Fairbanks completed graduate school at the University of Alaksa Anchorage in 1971. As a chemist with a concern for the environment, working for the EPA was a logical choice. Soon, Kevin found himself driving all over the state searching oil fields, mines, and other such locations to ensure compliance with environmental regulations.
He ran into trouble when his investigations uncovered irregularities in the activities of a petroleum processing plant run by Delphic Industries. In particular, Kevin found that the plant wasn't properly disposing of its chemical by-products. Instead, it dumped its waste into the state's Resurrection Bay.
Before he could expose their illegal dumping scheme, agents for Delphic Industries abducted Kevin, beat him to within an inch of his life, and left him for dead at the bottom of a cave used for secretly storing chemicals and other toxins before dumping.
But Kevin did not die. Instead, a combination of the extreme cold coupled with the strange mix of chemicals kept Kevin alive in a form of hibernation. He stayed in that hibernation for days. Days turned into weeks, and weeks into months. After almost a year, Kevin awoke to find himself a very different man from the one left for dead twelve months before.
Instead of the unremarkable man of average height and build, Kevin was now taller and heavier-- bigger-- than he could have possibly imagined. Though weak and famished, he was many times stronger than he had ever been before. Moreover, he was
hairy.
Kevin slowly made his way out of the cave and eventually made his way to the Delphic's Alaskan offices in Anchorage. With his newfound strength, he was able to overpower the security guards there and collect the evidence he needed to alert the authorities to the crimes the company was committing. However, he decided that one crime would remain unsolved: that of the mysterious disappearance of Kevin Fairbanks. Instead, he would take the name Kodiak, after Alaska's native bear to which he now bore a resemblance.
Over the next few years, Kodiak took to hitchhiking across the country, stopping to intervene against thugs and criminals along the way. His actions caught the attention of AEGIS, where he was recruited to engage in covert operations in various locales domestically and abroad.
Complications:
Justice: After his experience with Delphic Industries, Kodiak has a strong desire to punish wrong-doers-- even those whose power, wealth, and status place them above the reaches of the law. He will go to great lengths-- even breaking the law-- to bring them to justice.
Enemies: While Kodiak's efforts to expose Delphic Industries' illegal activities did result in fines and punishments, he also knows that was just one small subsidiary. He is sure that the company is completely corrupt. Moreover, agents for the company are likely aware of who he is and will seek to get revenge.
Reputation: Kodiak has had run-ins with various Freedom City heroes such as the members of the Freedom League (before it split up in 1981), the solo hero Archer, and the Eyes of Night. While they all ultimately seek to keep the city safe, Kodiak's over-the-top approach has sometimes earned him the ire of other heroes.

This is an Iron-Age inspired build based on characters like Wolverine and Sabertooth from Marvel Comics. He has claws and some regeneration, but no ranged powers, and no forms of enhanced locomotion.

His Security Clearance and Well Informed Feats assume that he still has some connections to AEGIS, for whom he works on a freelance basis.

I've decided to take no trade-offs for his attack and damage. However, given that he's a large (obviously bear-like) individual, I've gone for taking a -2 penalty on his defense in exchange for a +2 bonus to his toughness.