Brian Todd Email and Phone Number

Ensured corporate payments products were compliant with Federal, State and HSBC regulations and policies, including reporting analysis and remediation of issues or gaps. Served as GLCM Product Management vendor contract lead role. • Created and led pre-mortem product review processes to review product end to end risk prior to internal or external audit. These reviews resulted in the identification 17 material control risks in systemic and operational processes, which have been remediated.• Reviewed, documented, and redesigned quarterly risk reporting process, which was experiencing delays in delivery due to manual data collection processes. • Created vendor monitoring template and enhanced monitoring process for Commercial Cards team, which has significantly reduced regulatory risk.• Led cross functional team in redesigning the HSBC Product Diligence process, by creating a risk assessment that allows for an initial risk assessment of a product, eliminated unnecessary reviews, and resulted in a greater than 70% efficiency gain in simple product enhancements.• Led Commercial Card vendor change and delivered U.S. contracts in 70 days when contract discussions stalled, and vendor due diligence had not been completed, resulting in vendor going live on planned date. Nominated for the HSBC Chairman’s award for efforts in completing the contract.• Led six additional Commercial Card contracts and one non-Commercial Card contract from previous owners, delivering all contracts in a timely fashion.

Led business development and implementation of strategic projects for the TTS Operations group, and unit head for Internal Controls team. Drove key initiatives to eliminate business risks and control lapses.• Served as lead for all internal audit preparation for corporate payables/receivables operations units.• Delivered first phase of the Image Exchange project which resulted in expense reduction of more than $200M annually. • Hosted over 20 Fraud Prevention seminars to critical TTS clients, which resulted in additional product revenue.• Served as guest auditor for a Treasury and Trade Services review in Colombia and identified a control issue which was included as part of the final audit report. • Drove upgrade of returns functionality which will result in over $300M of expense reduction in 2015 and an annualized reduction of $800M.

Accountable for the management and development of 52 on-shore and 18 off-shore team members. Managed all aspects of operational processing of transactions, including fraud prevention services, account reconciliation and internal control. • Oversaw Controls Unit responsible for regulatory programs, including review of applicability to PAP and product programs, integration with operational procedures, compliance reporting, and ARR interface. • Responsible for the oversight and upgrade of Metrics/MIS programs and critical projects across Delaware Operations. • Led vendor review and selection for Citi's digital fraud prevention software integration.• Provided thought leadership on fraud reduction principles to industry conferences, clients, and internal Citi teams. • Reduced internal expense by over $1M dollars annually with no loss of staff, by reviewing and renegotiating outdated contracts.• Engaged by product management and relationship management on a regular basis to review potential product offerings or changes to client solutions.• Sponsored the outbound transit image project, and had key role in the continued execution of project deliverables • Point person for all DE fraud litigation matters.

Set the foundation for continuing improvement in the quality, efficiency and timeliness of fraud investigations.• Represented Citi in negotiating losses stemming from other areas and processes, resulting in a reduction of loss by over $1.2 million in a two-year period.• Reduced fraud loss from an average of over $250 thousand annually to fewer than $3 thousand.• Consolidated corporate fraud processes by adding ACH and Worldlink to the scope of Fraud team activities with no increase in headcount.• Reduced direct and allocated Fed expenses by over $2.1 million, by implementing changes to the returns process.• Led two successful audits in the Controlled Disbursement and GCC space with no issues reported

Provided leadership in the fraud prevention space, ensuring that the group became knowledgeable in bank regulations and policies supporting their processes, which resulted in reductions in write-offs, processing time and client turnaround.• Upgraded the SAR filing process to include a tool that ensures filing was completed timely and accurately.• Eliminated small dollar write-offs, by researching Fed policy, and amending departmental procedures.• Held internal and external clients to their contractual and legal obligations, which resulted in the elimination of unnecessary write-offs.• Created one, three, and five year strategies for Fraud team, resulting in the addition of several processes with no increase in headcount.

Held authority for successful planning, management, and execution of revenue, audit and project deliverables for the Controlled Disbursements and EDI products.Effectively promoted the sharing of best practices while markedly improving internal partner performance. Proactively organized and moderated client feedback meetings.o Led integration effort with Check and Print Services, and Capital Markets Group to develop and deploy sales and implementation processes that increased revenue for both business units.o Led effort to convert Citigroup’s N.A. payroll processing from MetLife to Citibank in under a 3 month deadline, resulting in all of Citigroup’s N.A. employees being paid with no interruption.o Key player in winning the Coventry account, and was instrumental in developing customized processes for the deal, which resulted in revenue of 3.5MM in 2007o Developed and implemented a Stop-Loss solution for Same Day Reconcilement (SDR) clients that eliminated the need to outsource the functionality, and a more competitive client offering.o Successfully managed 2 Controlled Disbursement audits and 1 Lockbox audit for the front office. o Represented Citibank at HIPAA conferences and in meetings with the Department of Health and Human Services

Managed the development and deployment of Euro and Yen Clearing products globally. o Assisted with the development and re-launch of Citigroup's Euro payment product including the development and deployment of implementation procedures and product manualso Coordinated training for the global customer teams to ensure consistent service against the global model.o Finalized compliance documentation and procedures as well as financial reporting templates.o Created and distributed Citibank’s Yen Currency product manual globally.

Key driver in connecting the branded products to the client facing relationship team, through innovative use of data mining,pipeline analysis and market knowledge.o Served as the subject matter expert for technical sales and RFP responses for the Payments products sales groups (N.A. Payables Sales)o Crafted a solution and delivered presentation for UPS and Citi Street for payments productso Completed MIS reporting, including the monitoring the revenue flow from sales pipeline through implementation

Owner and key driver of the SDR and SIMMS branded product set revenues. Instrumental and changing the product delivery strategy to new markets and clients focusing on the insurance sector. o Managed the P&L for SIMMS and SDR products, o Central point for audit and compliance for all of the Controlled Disbursement products, o Delivered market competitiveness research and market strategy as well as new product development for SDR account base.o Increased SDR revenue by 4 Million dollars in 3 years, by engaging clients in joint development of product delivery initiatives and increased sales focus. o Successfully implemented operational changes resulting in the reduction of 800M in internal operational expense. o Created a cross-functional team with the Philadelphia Federal Reserve to improve the delivery time of detail transmissions to the bank, which resulted in a 45 minute improvement in notification time.

Ensured that the overall quality and timely resolution of client inquiries and investigations were met or exceeded. o Managed team of 18 Insurance customer service representatives, including performance appraisals, phone monitoring and compliance, performed self-audits and contributed monthly highlights to insurance industry monthly letter. o Streamlined reporting procedure to clients, creating easier work environment for employees.o Received Star award November 1998 for designing and implementing a check verification process that resulted in a bank savings of approximately 3MM annually.