In 2021, Brett founded Augment Analytics, a staff augmentation company that provides financial services companies with the analytics professionals they need to succeed. Brett has over 25 years of experience in the financial services industry and a deep understanding of the challenges and opportunities facing financial services companies.Brett is passionate about using analytics to help financial services companies make better decisions, improve their operations, and grow their businesses. Brett believes that analytics is the key to success in the financial services industry, and he is committed to providing their clients with the highest quality of service and the most innovative analytics solutions.Since founding Augment Analytics, Brett has focused on bringing in top analytics professionals with significant real-world experience to help companies with short-term or long-term analytics resource needs. In just two years, Augment Analytics has built a strong reputation for providing high-quality analytics resources to several large financial services companies including banking and mortgage. Brett is excited to continue growing Augment Analytics and helping financial services companies succeed.

Brett is co-Head of the Financial Services team at Sterling Point Advisors, an M&A advisory and financial consulting firm serving lower middle market businesses in financial services, industrials and manufacturing, healthcare, and technology. The Financial Services team support banks, credit unions, insurance companies, non-depository mortgage lenders, and related technology providers. Whether helping businesses formulate and execute an exit strategy or supporting buyers with strategic and financial objectives, we take pride in being client-centered through our value-added approach. We understand the process is much more than a transaction, it’s about people.

Art Comes Home is a real estate investment company focusing on long-term rentals, AirBNB, and small business commercial properties. We operate in Fauquier County.

Timely Talent Solutions offers multiple recruitment solutions including RPO, retained search, and process consulting. As an advisor for Timely Talent, I am supporting the company's plans to expand and grow to support employers all over the United States who are struggling to hire or having difficultly finding the recruiting resources they need to source talented future team members.

(Sold to Strategic Risk Associates) Led an organization that harnesses innovation, advanced analytics tools and business acumen to solve complex challenges. As natural disrupters with business experience bringing pragmatic problem solving to the financial services industry, Flying Phase is democratizing big data and unlocking this powerful toolset for organizations- Developed initial business strategy, hiring founding team members, successfully growing the business to 12 team members in first year- Led consulting engagements for large banks, FinTechs, and SaaS providers performing model development, model validation, automation, and data infrastructure modernization- Oversaw full business P&L, achieving profitability in the first calendar year, during COVID pandemic, including $150K pre-tax profit in the final quarter of the year- Developed and began implementing the first go-to-market product through a strategic partnership

Led the organization’s expansion of analytical solutions including talent acquisition/development, client management/engagement support, and business development- Act as trusted advisor for dozens of clients and partners, acting as a sounding board, helping them brainstorm solutions for their toughest problems, and making valuable connectionsLead engagements spanning credit strategy, contact center, collections/recoveries, reporting, and Agility analytics- Grew the analytics organization from 2 to 15 team members, helping increase firm annual revenue from $4.5M to $14.6M in less than three years- Developed organizational policies and frameworks to implement improved compensation plans for team members and their families, designed and implemented Spinnaker’s business development system, and developed some of Spinnaker’s first products/solutions that drive value for clients

Oversaw an organization of 30 responsible for risk related to the Home Loans portfolio and Rep & Warranty liabilities. Capital One’s average mortgage loans held for investment were $18.8 billion as of Sept. 30, 2017. At its peak, Rep & Warranty liabilities were $3.6 billion. In Nov. 2017, Capital One announced that it would shut down its Home Loans business.Over the past year, I have led efforts, including a core team of 10, to begin the migration of almost 100 Credit Risk models onto AWS using Python and R. During the second half of 2017, I organized a PMO to oversee successful execution on all Credit Risk-related activities associated with CCAR 2017 Resubmission efforts.Manage a Loss Forecasting and Allowance team of 9 directors, managers, business analysts, financial analysts, and data analysts that drive model development for the Company’s proprietary econometric survival Mortgage and Home Equity model, performing cash flow forecasting analytics on over $150 billion of principal balance, calculating ASC 450 (formerly FAS 5) Allowance for Loan and Lease Losses and ASC 310 (formerly FAS 114 and SOP 03-3) for impaired or acquired loans, determining valuations for Capital One’s retained securities interests, and business monitoringManage a team of 5 responsible for quarterly Rep & Warranty reserve and reasonably possible risk analysis and litigation support related to a portfolio of $111 billion mortgage originations sold to investorsResponsible for model governance across 8 models, SOX control testing across several financial processesPrevious Responsibilities In This Role:Managed a team of 16 providing centralized management of model development efforts, Agile process coordination, budget, chief of staff, project management of complex initiatives, Tableau reporting, and digital transformation (AWS, Hadoop, Python)Divisional Credit Officer for the Company’s Home Loans Servicing and Default Management business and its Residential Appraisal Division

Manage a team of 9 business managers, business analysts, and data analysts responsible for risk assessment, reporting, and mitigation on Capital One’s Rep and Warranty liabilityThis team is responsible for mortgage cash flow and loss forecasting, reserve and other financial reporting, SEC 15-Ga1 reporting, mortgage securitization analytics, strategic support involving litigation, mediation discussions, and settlement valuations, CCAR/DFAST Stress tests, operational risk management, economic capital, and regulatory capital assessments

As Chairman of the company's Credit Committee, drive business and tactical strategy while overseeing the company's 15 person team responsible for risk, underwriting, and credit policy.As Chief Underwriter, I oversee the team of individuals who are delegated HUD Direct Endorsement Authority to issue conditional commitments for FHA programs. In addition, I ensure absolute saleability of every loan through outlets including Fannie Mae, Ginnie Mae, and various investment banks.As an owner and first employee of the company, I am a trusted advisor to the Chairman and CEO regarding both long-term and tactical strategy. I also provide close support for IT Development strategy which has enabled automation of the closing preparation process; enabling Live Well Financial to be the only company in the reverse mortgage industry without such a department. I also advise the compliance department on all aspects of federal and state law/regulation.

Led a mortgage origination organization with a staff 50 individuals and a nationwide sales force of over 1,000. Responsible for all aspects of marketing, sales, recruiting, processing, underwriting, and closing.Instrumental in developing the company into the fastest growing of the 40 largest reverse mortgage lenders in the United States from 2006 to 2007, receiving recognition as a 2008 Cherry, Bekaert, and Holland’s Emerging Company Award Finalist. Developed strategy for and implemented IT and MIS infrastructure for marketing and operations, enabling rapid test-and-learn methodologies across all areas of the business. Successfully developed a profitable, industry-unique, direct-to-consumer marketing strategy across multiple channels including direct mail, Internet, television, and radio.

Oversaw a team of business analysts responsible for marketing strategy and analysis for one of the company’s rapidly growing Subprime Credit Card acquisition business lines, developing a robust business foundation and improving bottom line profitability. Successfully managed a cross-functional team responsible for the creation of Capital One’s Prime Credit Card origination business, one of Capital One’s five strategic priorities in 2003, including marketing strategy, product development, and driving credit policy and loss valuation framework creationDesigned, executed, and analyzed tests that proved out the incremental value of outbound telemarketing sales operations after years that the business had operated in a state of uncertainty. Managed the creation of an origination business involving a cross-functional team of 30 individuals that creates over $50MM NPV and $1B in assets annually. Developed of charge-off curves and magnitude assumptions through the development and selection of score-carded statistical models, economic trend, and historical performance analysis. Created a business valuation model to integrate 2,000 population segments of response and credit risk for business assessment of multiple product offerings using metrics including ROA, NACO, NPV, asset generation, and dollar charge-off. This was Capital One’s first model that enabled rapid, integrated marketing strategy and credit score cuts after product selection, significantly reducing turn-times for monthly marketing strategy decisions. Finalized application-stage approval and credit limit decisions for balance transfer and non-balance transfer populations.

As a member of Capital One’s Internet Business Development team, managed several Internet acquisition and cross-sell businesses, developing partnerships with product providers, executing testing strategies, and making strategic recommendations. As a part of Capital One’s $50MM equity investment in innoVentry Corporation, consulted for a business that was developing ATM-like machines capable of automated check cashing and money orders for the “under-banked” population.Strengthened check-cashing defenses while simultaneously reducing marginal costs by over 50%. Identified the optimal magnetic stripe counterfeit detection system through test and analysis. Calibrated biometric facial recognition technology to operate strategically based on the transaction-type. Instituted enhanced operational policies and procedures for manual review and case management to effectively, but efficiently, identify and shut down fraud rings

Owned all aspects of the identity theft and counterfeit "skimming" prevention and recovery strategy for Capital One's entire Credit Card business. These strategies helped Capital One reduce credit card fraud losses by over $10MM in 1998 and achieve losses below $10MM in 1999. As the business began to expand into the Canadian and UK credit card markets, as well as, real-time account number issuance on the Internet, represented Fraud Operations in negotiations, strategic planning, and implementation of new defenses.