Becky (Elizabeth) Cahill Garofalo Email & Phone Number

Wilmington, De

Provided interior design services for clients in the Delaware /Southern New Jersey area.

MBNA AMERICA BANK, N.A., Wilmington and Newark, DE 1991 – 2006 Chief of Staff for the CEO of multi-billion dollar financial institution. Worked directly with Board of Directors, Chairman of the Board.Senior Executive Vice President | Office of the CEO Developed / Implement PERSONNEL MANAGEMENT STRATEGIES for thousands of employees including:Hiring | Training | Leadership Development | Performance Evaluations | Incentives | Promotion Planning | Pay Equity | Diversity Reporting | Reduced Attrition | Summer Internship Program Coordination | Ex-pat Program Management • Fiscal Management Responsibility: $10M COST CENTER MANAGEMENT, financial reporting, analysis, cost assessment, budgeting, forecasting, strategic planning, risk management, loss forecasting and P&L management. • Agendas / Logistics for all EXECUTIVE EVENTS: Board of Directors; Executive, Management, and Senior Operating Committees. • 6–8 Direct Reports; reported directly to the CEO. KEY ACHIEVEMENTS:• Reduced Expenses by $25M+ through STRATEGIC COST ASSESSMENT and COST CONTROL INITIATIVES.• Vital Contributing Member: GLOBAL DEVELOPMENT Steering Committee, SAFETY & EMERGENCY Committee, PERSONNEL Committee, and STRATEGIC COST Assessment Team and LOAN LOSS RESERVE Steering Committee. • Met / Exceeded 20% DIVERSITY Goals for placements in management roles through TARGETED recruitment / hiring INITIATIVES.• Developed / Implemented a PAY-EQUITY-SYSTEM for all Exempt and Officer positions; REDUCED COMPENSATION DISCREPANCIES from over 3,000 to less than 100 based on minority and gender status.• Forecasted losses to within 5% of actuals on a $5B plan by creating / instituting LOSS MODELING programs.

MBNA AMERICA BANK, N.A., Wilmington and Newark, DE 1991 – 2006 First Vice President | Investor Services / Deposits Directed 100 Employees in a CALL CENTER environment. Developed MARKETING plans / STRATEGY. KEY ACHIEVEMENTS:• Grew Deposit BALANCES by 18% in 12 MONTHS through Pricing STRATEGIES / targeted Marketing CAMPAIGNS.• Reduced Average CALL RESPONSE Times by 60%+ (200+ seconds to 80 seconds).• Increased CUSTOMER SATISFACTION Ratings by 48% (to 89% from 60%).• Increased Employee MORALE / RETENTION while developing HIGH PERFORMANCE teams of superior call center representatives by TRAINING, instituting JOB LADDERS, and establishing individual ACCOUNTABILITY.

MBNA AMERICA BANK, N.A., Wilmington and Newark, DE 1991 – 2006 First Vice President | Individual Bank Finance Managed ALL FINANCIAL REPORTING: annual, quarterly, five-year forecasts and strategic plans (all bank ancillary products). Monthly financial statements, mid-month estimates, product pro-formas and changes, and portfolio acquisition evaluations. • Provided DIRECTION for 11-person analyst staff. KEY ACHIEVEMENTS:• Led Division, ACHIEVED $33M NIAT EARNINGS through effective staff management.• Orchestrated / Directed RELOCATION of 500-person DIVISION (site planning, facility design, personnel issues).• ESTABLISHED Bank Subsidiary; EXPANDED Offerings to include 2nd Mortgages and Home Equity loans / lines.• Developed INCOME / EXPENSE Plans for 54 COST CENTERS.

MBNA AMERICA BANK, N.A., Wilmington and Newark, DE 1991 – 2006 Assistant Vice President | Merchant Services • Managed ALL FINANCIAL REPORTING: annual, quarterly, five-year forecasts and strategic plans. • SOLD / TRANSITIONED Merchant Portfolio to new company.

SHAWMUT BANK, N.A., Boston, MA 1986 – 1991 Assistant Vice President | Interim Division Head Managed ALL FINANCIAL / REPORTING Functions for a $1.2B Volume Credit Card MERCHANT OPERATION including BUDGET preparation and CONTROL, FORECASTING, monthly RESULTS, and subsidiary REPORTING. KEY ACHIEVEMENTS:• ACHIEVED Consistent 35% ROEx; REDUCED COSTS by $1.5M; INCREASED Bank ASSETS by $18M.• NEGOTIATED / CLOSED SALE of the Merchant Business for INDUSTRY'S HIGHEST PREMIUM received on a portfolio.

KPMG | PEAT, MARWICK, MITCHELL & CO. Internal Accountant • Accountant for firm's own accounting needs.