Ben Berns Email & Phone Number

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Cleveland

Select Accomplishments■ Designed and deployed an ERM Governance & Risk Compliance (GRC) solution using a stable and scalable vehicle to drive consistency and efficiency. Solution allowed 50 lines of business, 150+ employees to customized and articulate unique business-driven assessments while allowing management to aggregate and catalog risk at the Basel II process level 3, control environment, and residual risk. ■ Introduced facilitated RCSA workshops based on the ORX / RMA classification scheme. Integrated RCSA covered Operational Risk, Regulatory Compliance, Technology Risk, Privacy, and Information Protection. Managed direct staff of 9, providing testing and gap remediation oversight. ■ Cataloged 7 years of internal operational loss event data by the Basel II AMA process schema. Multiple use file structure allows for ABA consortia reporting, ease of line of business interface, and OCC & Fed reviews. ■ Expanded event collection to include exposure based and credit boundary events, providing increased awareness of operational risk in loan booking, collection, and lien perfection business units. ■ Led the effort to standardize risk statements for uniformity across organization, ease of aggregation, and redeployment in subsequent cycles. Identified control and testing gaps in select business by introducing a monthly scenario analysis discussion with senior business leaders based on external operational loss data. ■ Development of Key Risk Indicators for all business lines. A collaborative effort designed to alert line management when a process or control procedure is compromised or a tolerance may be breached.■ Managed strategic and business resiliency planning for multiple year systems and technology efforts for SR99-18.■ Designed a RCSA for non-banking regulations covering human resource management, payroll and compensation management, aviation, and property and facilities management.

Cleveland

Select Accomplishments■ Introduction of multiple CHAID and response models, altering list development from lifestyle based to behavior based, moving the direct mail program from a non-performing profit center to the second largest profit center in 12 months. ■ Corrected graphics and copy in catalogs and collateral from product based to classic direct response based. 24 page brochure copy named by Catalog Age magazine in the top 5 of the year (January 2001 issue). Reactivated non-performing house files with seasonal creative, increase in ROI of 384%.

Cleveland/Akron, Ohio Area

Strategy development and program design for acquisition and retention marketing for consumer lending lines of business: Credit Card, Home Equity (prime & non-rime), Marine, RV, Automotive, Retail Lease, Educational Lending. Management of list brokers, tele-marketers, credit bureaus and creative production firms. Select Accomplishments■ Designed and implemented company’s first risk based credit card initiative in 1995. Created 64 test cells that combined multiple list sources, offers, creative treatments, and pricing scenarios. Netted 60,000 new accounts in $54.7mm in receivables. Response rates ranged from 9.3% to 4.5%.

Master Of Business Administration (Mba)

Bachelor Of Science (Bs), Business Administration And Management, General