I have over decade of experience with a fortune 50 company, with demonstrated ability to increase cost savings and grow incremental income. I have a proven track record in team building and leadership, delivering excellent customer service and effectively managing both vendors and clients. My strong core skills in credit & risk management, contract / pricing negotiations, compliance, and audit / controls have enabled me to drive business success while maintaining high standard of performance and efficiency. Highlights include: * Developed and implemented process to identify known Debt Settlement or Attorneys accounts in order for the firm to maintain accounts in house vs outsourcing to collection vendors leading to cost saving and increase in incremental revenue of $6MM monthly* Developed and implement process allowing out of statute consumers to " Pay less than full balance " on outstanding debt leading to over $25MM incremental income* Negotiated return of firm's data from 58 outside vendors that were consider "dormant" by the LOB thus eliminating firms and consumers risk exposure.* Identified and developed additional responses to employee inquiries / questions that were implemented into firms Virtual Chat Bot driving inquiry volume and employee violations down to firms target levels.