Own and Operate Sales & Marketing agency in the Hearth, Patio & BBQ space.If it burns, heats or cooks WE SELL IT!!Fireplaces: gas, wood & electricGrills: gas, charcoal wood & electricCommercial-Residential Indoor & Outdoor Space HeatersOutdoor Torches & Flame Throwers

o Align with Business partners to determine optimal level of financial detail for 5 year plano Design, develop and deploy a comprehensive Long Range Plan for Centene Corporation including Health Plans, Specialty Company, Corporate and Real Estate entitieso Create model based approach to Planning

Back Office Automation Analytics & Reporting- Manage the analytical & reporting framework that supports work stream/function- Actual, Forecast and Plan tracking/reporting Prepare/present Monthly Operating Performance to Senior Management Financial variance explanations Deployed expense model for legacy portfolio Month-end reporting, Portfolio & Project P&L, KPI, MOR- Operating & Strategic Financial Planning ownership End-to-end Planning responsibility driven across multiple functions- Manage Global Core Operations Key Performance Indicators reporting process ($600MM) Identify primary, secondary and tertiary performance metrics Determine service level agreements benchmark Standardize data by Region Expense per KPI analysis - Financial system solution implementation, support & maintenance- Lead a team of Financial analysts to execute analytics, reporting and system responsibilities

Loan Loss Mitigation Program Management (Mortgage)Responsible for 2nd lien strategy & execution ($32B) - Develop 2013 2nd lien strategy to address National Mortgage settlement, Independent Foreclosure Review and BAU - Design, develop, implement and maintain risk based programs to assist Homeowners while reducing NCL exposure and balancing expense initiatives - Manage various legacy program: HELOC Conversion, 2nd lien streamline, Inactive Line Closures & HELOC Line ManagementResponsible for Recovery strategy & program execution ($20B)• Strategy: - Portfolio segmentation to determine collectability - Created payee profiles - Delinquency/collection analysis to determine optimal selling strategy - Redefined pre-Recovery process flow• Program Management: - Anti-Blight policy/campaign to comply with NMS servicing standards- Assets SalesManage complex corporate structure including: legal/compliance, operations, servicing, default, finance, decision management, campaign management, marketing and risk.

- Responsible for Actual, Plan and Forecast Analytics & Reporting for Credit Cards and PIL Provide strategic recommendations to achieve EBIT targets Developed a model based approach to forecasting and planning revenue Developed automated product line reporting process to more accurately analyze the portfolio Implemented data quality & control processes, procedures and protocols Manage a staff of 5 finance professionals to administer reporting, analytics and financial systems- Design, develop and implement a financial system solution (Delta) for Tarjetas de Credito Complete gap analysis of existing systems, processes, data flows, and MIS Process re-engineering: product line P&L, data collection methodologies, and financial controls Implement robust management reporting tool set to facilitate and expedite reporting and analytics Evaluate existing reporting & analytical processes and provide future state recommendations

Accepted to the Citi Global talent Development (Mexico City, Mexico) to take part in a mid-level career advancement program to broaden my experience with International exposure.1) Project Manager Credit Bureau initiatives - Cross-functional project including: Risk, Decision Management, Technology, Legal and Buró de Credito - Identify and implement new infrastructure to reduce cycle throughput coupled with reengineering credit bureau data flow processes to gain competitive and strategic advantages - Detailed cost-benefit analysis to substantiate required investment; annual benefit of $30-40MM - Identified, developed and proposed new tiered-and bundled pricing structure to reduce Buro de Creditó expense by $1-3MM - Implement “Trigger” software (WATCH) which allows us to monitor various pre-defined criteria of the portfolio on a daily basis to mitigate losses and manage credit lines2) Credit Card Portfolio valuation (portfolio acquisitions) - Create client\customer value-proposition in conjunction with Affinity Sales team - Complete the private label portfolio valuation to determine acquisition feasibility - Financial forecasting3) Financial Systems & Process Solution Implementations - Complete gap analysis of existing systems, processes, data flows, and MIS - Process re-engineering: automate product line P&L, data collection methodologies, and financial controls - Implement more robust management reporting tool set to facilitate and expedite reporting and analytics - Evaluate existing reporting & analytical processes and provide future state recommendations

1) Manage a team of System Analysts2) Provide financial systems solutions and support for the Partnership Group (PG) - Maintain Hyperion Enterprise in the Citrix environment for Commercial Payment Solutions (CPS) Financial consolidations, reporting and analytics - Manage the CPS MIS Reporting conversion to Cognos - Manage the CPS financial systems conversion from Hyperion Enterprise to Hyperion Planning3) Business Analysis - Process innovation and re-engineering - Identify and implement financial and technological system solutions

1) Manage the Commercial Payment Solutions (CPS) to Citi Cards upward reporting relationships2) Responsible for CPS business variance explanations (flash, budget, actual, fcst)3) Design and manage the financial systems strategy for both CPS and DCI - Developed, implemented and support Hyperion Enterprise Citrix solution - Develop, enhance, maintain and support multiple Hyperion Enterprise financial applications - Manage the monthly data interface process into Hyperion Enterprise from various transactional systems. - Identify and implement process improvements to further automate and streamline inefficiencies - Manage the CPS financial systems conversion from Hyperion Enterprise to Planning4) Responsible for creating various business models and ad-hoc financial reports5) Developed, implemented and on-going support of Continuity of Business plan for Diners Club6) Responsible for Risk Control Self-Assessment (RCSA) for the CPS Finance function

• Independent Real Estate Broker employing 5 real estate agents• Focused primarily on Residential Real estate sales ($2MM)• Provided Training and Selling tools to Dynasty agents• Created comprehensive Marketing strategy to reach customers (web, collateral & in-person)

1) Design, deliver and support all phases of Hyperion Enterprise systems implementations - Proficient with Hyperion Enterprise, Ledger Link, Autopilot, Schedules, Analyst, Retrieve Excel & Report Writer2) Process innovation / re-engineering3) Troubleshoot client applications and implement appropriate solution(s)4) Product demonstrations to various levels of management which translated to product sales5) Relationship Management6) General project management