Brandy Gonzales Email and Phone Number

Oversee Project Management, Business Intelligence, Operations Infrastructure, Learning & Development, and Training

·Program Management: Oversee strategic and tactical administration of B2B Card Programs designing and executing the successful onboarding and life-cycle management of client card programs, while driving internal revenue growth and product enhancement. Manage credit card programs from marketing and acquisition through the operational life-cycle of an account. Lead partnership with internal and external partners to establish outcomes and strategies that contribute to the mission of transforming the client experience while driving business growth.·Product Management: Develop product strategy based on market research, client and customer feedback, and business strategic goals. Work closely with Sales and Marketing business lines for collaborative success of product roadmap creation and product delivery. Define and drive key performance indicators for successful value chain evaluation. Drive product roadmap process through planning, cross-functional alignment, and executive buy-in. Ensure on-time and on-budget delivery of product roadmap deliverables. Engineer process improvement from request to launch. Lead monthly, quarterly, and annual business reviews to communicate and collaborate on past projects and future roadmap items.

·Regulatory Compliance: Guided the business on state and federal regulatory matters surrounding consumer financial services, credit card issuance and services, commercial services, fair debt collection, privacy law, and new product-related questions.· Transactional Support: Developed, assessed, and negotiated contract terms for servicing agreements, non-disclosures, and other ad-hoc agreements. Ensured consistency of contract terms with company policies and goals. Reduced company contract risk.·Licensing: Oversaw preparation, coordination, and maintenance of licensing schedule to ensure timely submission of currently-existing as well as new licenses. Managed responses to regulatory audit requests. Streamlined tracking and reporting of licensing team activities.·Legal Analytics: Created and managed intake request queue that integrated into email platform.

•Project Management: Oversee an enterprise Project Management Office of over 30 employees including program managers, project managers, process engineers, business analysts, and quality control analysts across the U.S. and abroad. Deliver projects ranging from software implementation to new client onboardings to mobile application rollouts. Standardize processes and procedures throughout the organization. •Program Management: Drive organizational change through program analytics that lead to operational enhancements. Identify overlapping trends and recommend improvements throughout the company. Prioritize and budget strategic initiatives, manage interdependencies across projects, ensure resource capacity and availability.•Product Delivery: Lead the development and roll out new credit card products. Coordinate strategic development, marketing and branding, website deployment, and client communication. •Client Technical Support: Manage client technical needs through robust, revenue-driving ticketing system. Support includes automating manual processes, developing new processes, optimizing existing processes. •Operations Optimization: Process engineer areas of opportunities to automate and streamline manual and complex processes for efficiency. Evaluate business needs and determine how to support those needs leveraging software, hardware, process improvement, or infrastructure•Systems Administration: Oversee the upkeep and optimization of Vervent's multiple servicing platforms. Manage the upgrading, installing, and configuring of servicing software. This includes troubleshooting and providing technical support to employees as well as client, and creating and managing system permissions and user accounts•Audit Services: Implement client, bank, security, due diligence, SOC and PCI audits. Construct compliant financial statements and communication with banks, investors, and clients •Risk Committee: Co-lead organizational risk mitigation efforts

•Regulatory Compliance: Provide regulatory compliance support for company’s Capital Markets, Credit Risk, and Marketing divisions. •Risk Analysis: Determine business risks associated with product implementation, third party service provider relationships, technology improvements and other areas and offer solutions to apply compliance without inhibiting revenue growth. Develop and execute plans to minimize risk while ensuring company operations and applicable laws and guidelines are being followed. Create company wide policies based on risk analysis, research, and interdepartmental collaboration. •Project Management: Collaborate with each department to review current projects, discuss completed projects, and develop new projects. Identify areas of improvement to streamline processes, update systems, develop new policies, and stay competitive in the market. Determine business purpose of project, conduct discovery to identify what is needed for completion, and draft documentation to be used as the project design. Manage all project tasks to ensure timelines are met, budgets are followed, and work product is acceptable. Trained in Agile method.•Product Development: Lead implementation of new products from conception to completion. Conduct cost-benefit analyses to ensure value in implementing new products. Review product guidelines and collaborate with Credit Risk and Guidelines divisions to ensure compatibility with company’s risk appetite. Collaborate with Compliance, Production Operations, Secondary Marketing and Credit Risk to program new product into proprietary system. •Contract Management: Draft, review, edit and negotiate investor and third-party service provider agreements on behalf of Capital Markets. Upon execution, track all contracts and monitor automatically renewing termination dates.

Drafted memoranda, complaints and letters regarding healthcare and civil rights compliance issues. Interviewed and counseled clients to provide short term assistance on housing, education, disability and other health questions. Co-managed hospital monitoring project to ensure compliance with state, federal and departmental regulations.

Researched and wrote memoranda on health compliance issues such as child abuse reporting, drug monitoring programs, confidentiality issues, etc. Reviewed and revised hospital forms and contracts.

Led Network projects such as the Health Resources Services and Administration initiative with medical-legal partnership (MLP). Created Network-wide resources for prospective MLP sites including 30-page MLP Toolkit. Provided technical assistance to MLP lawyers and healthcare professionals through website and database administration and communications support. Contributed to articles and other publications, such as "Poverty, Health and Law: Readings and Cases for Medical-Legal Partnership."

Located, coordinated and monitored services for clients. Advised ad referred clients to appropriate service providers. Facilitated meetings between clients and service providers and maintained confidential records. Empowered clients to improve their health outcomes by providing effective problem-solving and communications strategies.

Designed and implemented curriculum, organized extra-curricular programs, coordinated school events. Managed communication between administrators and faculty and collaborated with students and their families. Directed volunteer group educating adults in English.