Amy Kirk Email and Phone Number
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Operations and Risk Director with deep experience in retail banking across all product lines and in particular secured and unsecured lending. Proven experience leading large operations (800+ staff) and specialist strategy, risk and transformation teams. Expertise in both developing the strategy and translating the strategy into execution in the operations.Significant experience establishing transformation programmes in addition to making BAU improvements to risk management, business analysis and operating models.Proven ability to identify talent and mobilise teams to achieve results.Specialties: - Risk Strategy and Portfolio Management- Credit Risk and Underwriting- Fraud Prevention Strategy and Fraud Operations- Collections and Risk Detection- P&L Management- Change Management- Business Analytics and Management Information- Conduct and Operational Risk Management- Policy Development and Implementation
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Non-Executive Director And Former Chair Of The Remuneration CommitteeMonzo BankEngland, United Kingdom -
Non-Executive Director, Chair Of Remuneration CommitteeMonzo Bank Jan 2017 - PresentLondon, United Kingdom -
Non Executive Director, SidGriffin Nov 2020 - Present -
Non Executive DirectorFcmb Bank Uk Limited Jan 2019 - PresentLondon, United Kingdom -
Head Of International Credit Risk / Group Credit Risk DirectorWonga Apr 2015 - Oct 2018London, United Kingdom -
Senior Industry Advisor (Contracting)Bridgeforce Sep 2013 - Apr 2015United KingdomSenior Industry Advisor for the UK arm of Bridgeforce which is an internationally respected lending and payments consulting provider with expertise in regulatory compliance and operational risk, risk analysis, lending practices, fraud detection and prevention, system design and deployment and loss mitigation.Key activities: loss mitigation plans and implementation, fraud process adherence, operating model design, analysis of authorisation processes, fraud control and end to end process design, management information design and implementation. -
Interim Programme Director - Strategic ProjectsThe Co-Operative Banking Group Apr 2013 - Sep 2013Manchester, United KingdomReporting initially to the Director of Business Transformation and then the Chief Operating Officer, developed and led strategic projects supporting the bank's restructure programme. Key activities: developing the roadmap to analyse the core book, analysing and making recommendations on the cost base, designing exit plans for certain business components, programme management of retail bondholder activities across Group and Bank, performing risk assessments of key business decisions. -
Interim Director Of CommercialThe Co-Operative Banking Group Oct 2012 - Mar 2013ManchesterReporting to the Director of Customer Operations, led the specialist operational strategy team (circa 250 FTE) focused on demand management, risk and control, management information and third party partnerships. Established a transformation function and designed the programme of work to create a step-change in operational capability. Key activities: design and launch of transformation programme, establishment of a consistent quality management and training and competency framework across disparate functions, implementation of customer operations restructure and governance, budget and cost oversight, central pmo oversight -
Chief Risk Officer (Cro)Onesavings Bank Plc 2011 - 2012Chatham, KentReporting to the CEO and the board, responsible for managing the bank's Risk Mitigation Programme and the day to day relationship with the FSA. Facilitated development of risk appetite limits, board reporting on risk, improved provision methodology and arrears reporting and implemented major improvements to liquidity risk management. Directed the rewrite of the 2011 ICAAP with significant improvements in approach to several key risk areas.Key activities: delivery of risk mitigation programme, oversight of all key risk categories, board reporting of key risks and the top down risk profile, developed accurate liquidity forecasting and monitoring, due diligence on potential acquisitions, risk review of third party provision of collections services, planning and preparation for key regulatory visits. -
Change Management Executive - Collections TransformationBank Of America Jan 2010 - Dec 2010Chester, UkDeveloped the proposal and business case for a large scale collections transformation initiative and then built the team and led the initiative which was a cornerstone of the 2010 strategic plan. Made far reaching changes to the performance measurement system and piloted operational changes which were then rolled out and refined. Some initiatives were eventually piloted in the US operations. -
Director Of Insurance Services (Cf 28)Bank Of America Jul 2007 - Dec 2009Chester, UkLed both the day to day operations as well as the strategic change agenda for Insurance Services across all regions (UK, Ireland and Spain) during a time of intense regulatory scrutiny and declining revenues. Implemented short and medium term improvements to stabilise the revenue decline whilst developing a sustainable strategy. Led the way in terms of the cultural change required to move the focus to the customer and sustainability over historic revenue targets. The improved product, while offering more value to the customer, was economically viable due to higher loyalty and retention. In addition to strategic work also directed the contract negations with key providers and selected the Italian provider in advance of the country launch. -
Director Of Credit & Fraud / Chief Lending OfficerMbna Europe Jul 2004 - Jul 2007Chester, United KingdomLed team of 800 associates at the peak of UK card account production and generated a consistently profitable and stable credit card book. Established a best in class risk detection function to control losses with measurable benefits through test and control. Implemented risk based pricing, instant decisioning and rate negotiation within the unsecured loans credit area to improve the profitability and risk- reward profile of this product. Improved the analytical capability of the fraud strategies area and delivered strategy and operations improvement that resulted in a 30% reduction in fraud losses.
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Director Of Project Management - Us Card OperationsMbna Jan 2004 - Jun 2004Wilmington, DelawareLed 70 person project management and testing team for all underwriting, servicing and collections platforms to support the US Card Operations. While only in post for a short period, was responsible for business delivery of two large initiatives - the launch of American Express in the US and the extension of the US platform to the UK and Irish operations.
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Director Of Acquisition StrategiesMbna 2000 - 2004Led specialist strategy team responsible for automated credit decisioning, monitoring of the judgmental underwriting segment, marketing criteria approval and new account asset quality monitoring for the US consumer credit card portfolio at the height of new account acquisition (over 6 million accounts per year.) The strategy team played a key role in targeting strategy, regulatory reviews and improvements to operations strategy through work organisation, new tools and new approaches to customer interaction.
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Department Manager - Credit AcquisitionMbna Jan 1998 - Jun 2002Wilmington, DelawareLed specialist strategy teams across a variety of activities including prescreen programmes, judgmental underwriting performance, automation strategies and market segment and channel analysis. Implemented several new models, tools and forecasting methodologies to improve early warning indicators, improve targeting and drive high-quality, active new accounts.
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Strategy Manager - Credit, Authorisations, Fraud, CollectionsMbna Aug 1993 - Dec 1997Wilmington, DelawarePerformed analysis as an individual contributor and led analytical teams in specialist areas of portfolio management across the full credit card life cycle. This analysis supported both strategic decision making at the highest level regarding policy and also drove day to day business rule change. These roles also required hands-on implementation of strategy changes. In many instances, strong collaboration with risk and finance were required to develop a full view of trade-off decisions. Examples include early cycle collection strategies, overlimit authorisation strategies, payment holiday strategies, implementation of neural network credit scores to name a few.
Amy Kirk Skills
Amy Kirk Education Details
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International Finance -
International Management, French
Frequently Asked Questions about Amy Kirk
What company does Amy Kirk work for?
Amy Kirk works for Monzo Bank
What is Amy Kirk's role at the current company?
Amy Kirk's current role is Non-Executive Director and former Chair of the Remuneration Committee.
What is Amy Kirk's email address?
Amy Kirk's email address is am****@****nga.com
What is Amy Kirk's direct phone number?
Amy Kirk's direct phone number is +4487128*****
What schools did Amy Kirk attend?
Amy Kirk attended Thunderbird School Of Global Management, James Madison University.
What skills is Amy Kirk known for?
Amy Kirk has skills like Risk Management, Credit Cards, Credit Risk, Strategy, Portfolio Management, Change Management, Credit, Business Analysis, Management, Leadership, Operational Risk, Operational Risk Management.
Who are Amy Kirk's colleagues?
Amy Kirk's colleagues are Charlene Munro, Rhys D., Abdul Hamid, James Holmes, Wil Wells, Nicola Lyons, Mercy Mathews.
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