Lead team of four analysts responsible for Liquidity forecasting and analysis for $50B+ Life Insurance segment.•Initiated new processes and controls that improved forecast accuracy and cash management efficiency. •Developed scenario planning processes to support stress planning in a heightened regulatory environment.

Lead a team of five analysts responsible for Investment forecasting, analysis and decision support•Initiated and implemented new forecast processes and controls. Led to improved forecast accuracy and more effective integration of liquidity, collateral and capital management. •Developed detailed asset class forecast process to more effectively support investment strategy development.

Led initiatives that reduced interest rate risk, enhanced investment income and improved capital efficiency.•Led initiatives to reduce income drag from floating rate securities. Generated approximately $33MM additional operating income, while reducing interest rate risk exposure

Managed Liquidity Planning and Analysis for a $50B+ Life Insurance segment through the Financial Crisis. Supported Asset Liability Management, Capital Management and Risk Management through effective coordination and integration with Investments, Controllership / Accounting, Risk, Actuarial and Finance. •Identified key risks, developed and executed plans to improve liquidity. Improved integration with derivatives management, actuarial testing and collateral management.•Renegotiated… Show more Managed Liquidity Planning and Analysis for a $50B+ Life Insurance segment through the Financial Crisis. Supported Asset Liability Management, Capital Management and Risk Management through effective coordination and integration with Investments, Controllership / Accounting, Risk, Actuarial and Finance. •Identified key risks, developed and executed plans to improve liquidity. Improved integration with derivatives management, actuarial testing and collateral management.•Renegotiated reinsurance agreement, significantly enhancing coverage across multiple products. Show less

Managed financial planning and business analysis for $20b+ fixed annuities business. Supported new business pricing, product development and capital management.•Initiated segmented profitability analysis, refined pricing and enhanced profitability for immediate annuities.•Identified shortfalls in current capital management strategy and execution. Implemented changes that led to 2%+ improvement in ROE on $4B of new business.•Led reinsurance effort that had missed multiple… Show more Managed financial planning and business analysis for $20b+ fixed annuities business. Supported new business pricing, product development and capital management.•Initiated segmented profitability analysis, refined pricing and enhanced profitability for immediate annuities.•Identified shortfalls in current capital management strategy and execution. Implemented changes that led to 2%+ improvement in ROE on $4B of new business.•Led reinsurance effort that had missed multiple deadlines. Successfully identified and resolved key challenges. Executed agreement on schedule. Show less

Finance leader within an interdisciplinary team focused on assessing, developing and launching new business ventures. Responsible for business analysis, strategy development, financial planning, accounting & treasury activities, development of finance infrastructure and presenting business reviews to senior management. •Developed financial business case, led finance due diligence and developed critical Pipeline, Accounting, Cash and Counter-Party Risk Management activities needed to enter… Show more Finance leader within an interdisciplinary team focused on assessing, developing and launching new business ventures. Responsible for business analysis, strategy development, financial planning, accounting & treasury activities, development of finance infrastructure and presenting business reviews to senior management. •Developed financial business case, led finance due diligence and developed critical Pipeline, Accounting, Cash and Counter-Party Risk Management activities needed to enter the Private Label Mortgage business.•Drove development of Home Equity Lending strategy. Identified and quantified competitive strengths and weaknesses in infrastructure, cost, funding and brand. Evaluation led to changes in strategy and test plans for cross-selling to 40MM+ credit card customers.•Led team that developed complex pricing models for credit card and other consumer lending products. Analyzed performance across marketing channel, risk, response and customer segments. Recommendations led to refinement of pricing, credit policy, product and customer targeting.•Negotiated Loan Servicing and Sale contracts for a Mortgage Private Label Partnership. Show less

Managed business line planning, analysis and forecast consolidation process at a rapidly growing credit card issuer. Led a CFO-sponsored initiative to create a data warehouse based financial reporting and analysis system. Managed team of 20 involving finance, accounting & IT. •Designed and implemented planning process improvements. Expanded breath of reporting from four business segments to 23 business lines while reducing forecast consolidation process by several days and forecast… Show more Managed business line planning, analysis and forecast consolidation process at a rapidly growing credit card issuer. Led a CFO-sponsored initiative to create a data warehouse based financial reporting and analysis system. Managed team of 20 involving finance, accounting & IT. •Designed and implemented planning process improvements. Expanded breath of reporting from four business segments to 23 business lines while reducing forecast consolidation process by several days and forecast variances by almost 50%.•Improved accountability and understanding of financial results. Incorporated key revenue and cost drivers at segmented levels, leading to quicker diagnosis and more proactive management of business performance. Show less

Responsible for Marketing Process: Strategy Development; Product Planning; Test Design; Program Execution; Results Tracking; Analysis and Predictive Modeling. •Developed and implemented strategy for Cross-Selling Credit Card products. Designed test strategies for price, risk and creative. Integrated proprietary Non-Card customer information into predictive modeling.

Managed five Financial Analysts providing Pricing and Strategic Planning direction for the Credit Card, Home Equity and other consumer lending businesses. Led Budget Planning, Forecasting and Analysis of internal and external factors affecting profitability and growth for a $5B Consumer Loan Portfolio. •Coordinated development of complex integrated pricing models, incorporating economic loan loss odds and life cycle data to evaluate pricing, profitability and risk. Championed development… Show more Managed five Financial Analysts providing Pricing and Strategic Planning direction for the Credit Card, Home Equity and other consumer lending businesses. Led Budget Planning, Forecasting and Analysis of internal and external factors affecting profitability and growth for a $5B Consumer Loan Portfolio. •Coordinated development of complex integrated pricing models, incorporating economic loan loss odds and life cycle data to evaluate pricing, profitability and risk. Championed development of life cycle performance databases to support these NPV based decision-making tools.•Developed a customer relationship profitability tracking system as the key consumer lending lead for this corporate-wide initiative. Led to more integrated, focused and proactive relationship management.•Responsible for Loan Loss forecasting. Key liaison with Central Credit group for monthly risk review process.•Instituted Risk based Tiered pricing for the Dealer Auto Lending business. Integrated the secondary influences of credit risk: prepayment, capital requirements, funding rates and differential costs. Show less