Amy Kirk Email & Phone Number

England, United Kingdom

London, United Kingdom

London, United Kingdom

London, United Kingdom

United Kingdom

Senior 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.

Manchester, United Kingdom

Reporting 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.

Manchester

Reporting 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

Chatham, Kent

Reporting 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.

Chester, Uk

Developed 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.

Chester, Uk

Led 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.

Chester, United Kingdom

Led 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.

Wilmington, Delaware

Led 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.

Led 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.

Wilmington, Delaware

Led 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.

Wilmington, Delaware

Performed 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.

M.B.A., International Finance

B.B.A., International Management, French