• Head of the Interest Rate Risk (IRR) management function for Santander Holdings and subsidiaries. • Lead the production and communication of ALM and IRR analysis to the Asset Liability Committee (ALCO), encompassing net interest income (NII) sensitivity, market value (MVE) sensitivity, various assumption shock sensitivities and associated balance sheet strategy recommendations. • Generate independent ad-hoc analytical reports and recommendations for senior management regarding NII and MVE impacts across various balance sheet forecasts and macroeconomic scenarios. • Maintain the QRM model and associated supporting governance framework, development, review and testing of critical assumptions in support of ALM processes including:o Leading the data management team and process from source files to general ledger reconciliation in QRM. o Providing Treasury review, challenge and approval for QRM modelling updates and enhancements.o Drafting and maintaining the related risk-assessment documentation and control framework. • Own the Comprehensive Capital Analysis and Review (CCAR), Internal Capital Adequacy Assessment Process (ICAAP) and related European Banking Authority (EBA) processes for Treasury covering all analysis, reporting, documentation, and review efforts.• Oversee the preparation and certify quarterly valuation and sensitivity analysis, deposit Beta reporting and hedge effectiveness of cash flow swaps for regulatory reporting.

• Provided financial analysis, technical valuation advice, and market research, contributing to mergers, acquisitions, divestitures, strategic reviews, and capital markets transactions. • Conducted extensive financial valuation analyses (discounted cash flow, pro forma, comparable company, and comparable transaction) and combination analyses (accretion / dilution, sum-of-parts, and synergies). • Aided execution of capital markets transactions (NPV analysis, due diligence management, roadshow deck creation, groups management), and served as point person. • Selected Projects:➥ ZEUS: Advised on strategic alternatives and restructuring of ~$350M subsidiary.➥ HYBRID: Exercised call on existing debt and issued $400M senior debt, resulting in $70M saving (net present value basis).➥ NICKLAUS: Advised on potential sale and strategic alternatives of ~$350M subsidiary.

• Measured, monitored, and reported asset and liability risk elements to provide in-depth analysis and reporting on Nationwide Bank’s total balance sheet. • Prepared and interpreted risk management reports and analyses using deterministic and stochastic modeling techniques to generate income simulations and market valuations; shared results and recommendations with Asset Liability Committee and others; and analyzed sensitivity of duration, liquidity, profitability, and net portfolio value of equity to various interest rate and product mix scenarios using QRM. • Designed and implemented analytical models to validate QRM modeling assumptions including mortgage and consumer loan prepayment speeds, rates of deposit attrition and mortality, and deposit beta dynamics. • Built dynamic balance, fee income, and credit line utilization forecasting; and partnered with business lines to analyze risk and return trade-offs to support customer-focused, product-level decision-making. • Completed data analysis of loan tapes, validation of loan pools, and pricing analysis of secondary-market activities to aid execution of secondary-market strategies. • Managed undergraduate and MBA interns in Financial Leadership Rotation Program.

• Identified new, innovative mechanisms for project prioritization and measurement (other than ROI), and developed comprehensive resource planning and staffing tool for Finance IT-related projects (Finance Management Rotation).• Analyzed accounting treatment, capital relief, economic value, balance sheet, and cost impacts, and made recommendation to Chief Investment Officer on executing a Re-REMIC (Real Estate Mortgage Investment Conduit) transaction (Investments, Client Advisory Services Rotation).• Contributed to transactions and deal assessments including financial modeling and valuation, scenario analyses, creating potential buyer and target lists, due diligence management, goodwill impairment analyses, and data room administration (Mergers & Acquisitions, Corporate Development Rotation).• Selected Projects:➥ SAPPHIRES: Advised on sale of nationwide arena and on ~$30M equity participation in Blue Jackets NHL hockey team.➥ GARNET: Provided financial analysis for divestiture of subsidiary Gates McDonald & Co. to The Sheakley Group.

• Modeled various renewable energy business opportunities, analyzing the feasibility of producing bio-fuels from mill waste as a coal alternative for power generation. • Presented findings and recommendations to C-level executives.

• Supervised inventory in United States, China, and France including purchasing, logistics, and production of 4.4M units for 162 SKU’s and 300+ custom orders annually.• Developed Excel-based sales and inventory forecasting tools, and implemented purchasing controls to reduce freight costs 55% by shifting majority of United States deliveries from air freight to ocean freight.• Authored and implemented procedures for quality control, shipping/receiving, and order processing, decreasing average order turnaround time from 72 to 24 hours, and order error rate to less than 1%.