Lead the credit card and partner capital loan business for HSBC’s U.S. retail bank

Lead the development and management of HSBC Bank USA consumer and small business credit card products and associated rewards programs.

Lead the development and management of HSBC Bank USA credit and debit card products and credit card rewards program.

Managed a consumer loan origination and servicing program providing a wide range of mortgage and home equity products to Ameriprise clients. Drove $3 billion in loan origination volumes through call center, direct mail, and online origination channels leveraging the over 10,000 Ameriprise financial advisors as primary sales channel.Grew the bank’s loan balances from $0.4 to $1.4 billion over six years through the introduction of innovative consumer mortgage and home equity products.Established three mortgage and home equity programs with external partners. Led vendor selection, contract negotiations, product development, pricing, and program implementation. Directed other functional areas and provided significant input and direction to technology, marketing, sales, customer service, finance, treasury, compliance, and operations.Managed daily pricing and value proposition for on-balance sheet home equity products and helped shift the bank product distribution model from direct mail to financial advisor-sourced.Developed jumbo mortgage and home equity products for the bank’s balance sheet which featured industry-leading customer value propositions, strong compensation incentives for advisors, and excellent credit and financial results.Designed and implemented referral and origination-based compensation programs resulting in significant program engagement from the main distribution channel of over 10,000 financial advisors.Identified opportunities and led initiatives to improve customer experience with online tools and servicing, marketing materials, and problem resolution.Negotiated bank processing platform agreement terms, generating a 40% margin improvement and $20 million cost savings over five years.

Held several business-facing finance roles of increasing responsibility over 8+ years, supporting the U.S. Consumer Card, Membership Rewards, and online banking and brokerage teams.Developed and managed all financial and business management reporting for online banking program targeted toward the card members and financial planning clients of American Express.Provided strategic thought leadership, financial analysis, and financial modeling to support the development of consumer deposit and lending products, development of new client relationship tier and benefits, and expansion of account acquisition channels.Produced all annual operating and investment plans, quarterly forecasts, and long range plans for U.S. consumer card business and brokerage and banking programs.Established and managed a team of four finance professionals who provided analytic support to the U.S. Membership Rewards team and card issuer businesses.Performed numerous analyses to identify opportunities in customer segmentation, program and campaign profitability, and pricing to support the banking, brokerage, card, and rewards management teams.Identified over $25 million of opportunities in redemption reserve calculation.

Responsible for all aspects of accounting, planning, and financial reporting cycles for two Thomson subsidiaries companies (one manufacturing and one service company).Supervised accountant in monthly accounting closes for both subsidiaries.Developed business case, negotiated over $3 million in loans from state and local government agencies, and managed budget for $10 million plant expansion.expansion.Responsible for all parts of capital acquisition projects, including planning, analysis of proposals, business modeling, presentation to senior management, and arrangement of financing.

Various planning and forecasting roles as a member of the National Office team, supporting all US audit and tax practice offices.Developed and supported an automated partnership budgeting system to develop and consolidate the annual plans of several hundred practice offices.

Various planning and analysis roles supporting Eastern Region sales team.