• First Finance employee in the rapidly growing business, with over 1,500 employees, hundreds of thousands of customers, and hundreds of millions in revenues. Built the department from the ground up and positioned it as a critical stakeholder and trusted adviser for decisions across the company. • Worked with the heads of each department to develop key success metrics and implement structured reviews to ensure effective management. • Proactively started a weekly cost reporting session with the CEO to update him on changing trends and to monitor efficiencies. • On-boarded our CFO and trained and developed our team of analysts. • Identified and drove initiatives to better target potential clients. • Monitored customer acquisition costs and modeled their lifetime revenue expectations • Investigated and performed due diligence on potential acquisition targets. • Built the forecast model for the company’s P&L that department performances were compared against. Utilizing this, recommended and enacted the hiring of hundreds of employees. • Directed our analytics team in building out Salesforce tools which allowed for quick and detailed performance monitoring

• Run the monthly close process for the company’s largest revenue driver and associated expenses• Model monthly consumer credit card spending of over $30B for our largest business unit.• Create spending analyses with different customer segmentations and product normalizations to help drive investment decisions within a volatile business environment.• Build Long Ranged Plans to assess the company’s future profitability under a range of diverse assumptions; while incorporating cost benefit analyses and investment decisions from business partners.• Provide commentary on key balance sheet and P&L metrics for monthly updates with the broader finance organization.• Collaborate with numerous teams throughout the company to aid in model creation and testing, provide assumption recommendations, and understanding common drivers across business units.• Analyze competitive metrics such as the percentage of customers’ total credit card spend held by American Express, with segmentations such as product, tenure, and age.

• Estimated and analyzed the Ultimate Redemption Rate, which is used to calculate a $6+ billion liability on the company’s balance sheet. The process involved data collection and validation, model coding, forecasting and results analysis.• Developed a governance structure used to assess potential risks for markets in which the calculated redemption rates may need additional monitoring.• Assessed the impact of new redemption options both on the behaviors of cardmembers and the financials of American Express. Leveraged these assessments to determine profitability of similar rollouts in other markets.• Completed a competitive analysis related to a significant change in accounting behavior made by Discover. Using this, American Express was able to make informed decisions impacting their financials and potential marketing.• Created an in-depth cost-benefit analysis for a potential new rewards structure based on the results of an ongoing pilot. This was designed using a variety of benchmarks, both sourced from other groups and independently developed.

• Created, refined and productionalized models used to estimate the percent of outstanding membership rewards points redeemed in the future. These models were individualized for each market.• Analyzed data sets of millions of records using SAS and Excel, deriving insights into customer behaviors.• Forecasted expense and liability results under a variety of scenarios for the US and international markets.• Executed and expanded quarterly procedures in which data is collected, the models are run, outputs are investigated, and results are examined and delivered.• Liaised with internal and external auditors to validate data controls and processes as well as model assumptions.

• Performed and consolidated year-end pension accounting disclosures for multinational companies. Core tasks include assumption setting, forecasting, reviewing, and ensuring consistency both year-over-year and across each country.• Projected pension expense components to help clients budget and plan for upcoming years based on data and assumptions built on detailed market analyses.• Worked with actuaries from dozens of different countries to gather key information. Calculated and reviewed liabilities for international retirement plans based on specific employee data, plan provisions, and assumptions.• Set assumptions for companies to use in their forecasting and accounting projects. Key discount rates were determined by matching plan durations with comparable corporate and government bond yields. Asset returns were based on actual and expected allocations with current expectations.• Reviewed assumptions and valuations provided by other actuaries by performing complex calculations and employing a strong set of reasonableness tests.• Discussed results with clients and assisted with responding to queries from auditors.• Leveraged responsibilities while training and working with newer employees.• Provided detailed, individualized benefit benchmarking analyses for companies undergoing mergers and acquisitions. This data was presented by country and industry to give a better understanding of the risk that was being undertaken, as well as to help transition and implement the benefits provided by the newly combined companies.• Researched risk pooling opportunities for clients to help them find savings opportunities and better align their benefits provisions with their appetite for risk.

Worked on client teams in order to perform pension and retiree welfare valuations as well as related consulting services.Assisted top level industry consultants on many employee benefits related projects and learned best practices.Performed market research relating to clients, prospective clients and their respective industries.Received a "Stars Award" for excellence and achieving above expectations in a request for proposal for a large client. Developed excellent Microsoft Office skills analyzing data from thousands of individuals, creating mail merges for projects such as Early Retirement Windows and PowerPoint presentations to deliver results to clients. Gained strong market knowledge of regulated utility companies and their revenue processes while assisting with rate cases and researching potential new clients by leveraging our expertise in this area.Trained newer employees on our valuation programs, research strategies and workplace processes.

Assisted in preparation of business valuations for middle market clients.Conducted market research to locate potential buyers and sellers.Entered, verified, and analyzed key data into valuation software and internal spreadsheets.Wrote and critiqued business summaries.