SQLProduct ProfitablityExpense AllocationStrategic Partnership ProfitabilityAsset-Liability Management (ALM)Balance Sheet ManagementOwner of Funds Transfer Pricing (FTP) methodology and execution Responsible for monitoring and improving profitability of a ~$15BN asset portfolio. Make recommendations on originations strategy to improve marginal profitability Implemented new cost allocation strategy that shines greater visibility into direct/indirect expense allocation. This project improved our future origination strategy, allowing the CU to improve marginal profitability on originationsImplementation lead on Empyrean deposits analytics software suite. Worked cross-functionally with marketing and deposit groups to build better acquisition targeting analytics to improve balance sheet flows and understanding of deposit lifecycle by channel/product.Finance lead on profitability/ebit improvement of credit card program. Created modeling to drive negotiated savings of direct expense, creating 50% improvement

● Responsible for financial planning and analysis for all banking, marketing, and risk functions (deposits, commercial lending, consumer lending, mortgage lending, marketing & digital). Supporting end-to-end delivery of products and services, including product strategy, acquisition marketing, and fixed/variable expenses to drive positive operating leverage● Worked with product managers and digital team to analyze ways to improve customer portal throughput to improve application conversion 10%● Managed KPIs such as Customer Lifetime Value (LTV), Customer Acquisition Cost (CAC), and OPEX/Assets ratio. Created strategies for business to execute to improve these metrics● Rebuilt commission reporting model to accurately report commissions for product originations. Reduced processing time from 3 days to 0.5 days● Created headcount reporting model to accurately reflect active/recruiting/closed position for increased clarity and insight around salary and benefit structure● Created capital planning template that became the master financial model for business case development across the organization. Partnered with technology teams to gain alignment● Mentored junior employees by teaching business fundamentals and giving honest, actionable feedback to help them improve performance. ● Created numerous driver based models to forecast expenses for credit card and deposits books, seeking input from product managers and business analytics, with a focus on continuous improvement

Lead financial planning and analysis efforts for Deposits franchise within Consumer Banking, including development of full P&L forecast of $60B in deposit volume and $244M in total expensesDeveloped 5 year interest expense forecast for all DTC products (~$1B annually in 2020), and presented and defended forecast at the treasury/BU executive levelPresented monthly business reviews to Deposits and Finance executive leadership on a regular basis. Researched and understood key drivers of success/failure and found value-adds for businessBuilt financial model for complex vendor contract negotiation on checking product that led to annual savings of +$1.5M. Model was repurposed for all future contract negotiationsCreated scenario modeling based on economic forecast for Treasury/Investor Relations under tight timeframesSelected out of companywide colleague cohort to present personal thoughts on leadership/development in front of Discover enterprise CFO and all direct reportsPerformed annual valuation exercises for key initiatives to be implemented in annual plan. Challenged leadership on their assumptions and aligned on cost benefit analyses for franchiseHeavily involved in enterprise 5 year strategic planning process

Provides management with strategic advice and financial analyses for investment decisions, pricing changes, and channel and segment expansions.Analyzes customer behaviors and product profitability trends to understand financial implications and influence actions.Translates business opportunities and issues into financial analyses. Develops business cases with recommendations to management.Develops and enhances financial models. Improves forecasting accuracy and drives business insights.Performs competitive analyses to drive strategic insights and actions.Develops profitability analyses and projections for marketing and customer segments.

-Lead financial planning and analysis efforts for Owned Brands division, including development of $4.6B forecast and budget-Work with product development managers to evaluate opportunities/risks to forecast, including providing insight to financial impact of contemplated scenarios-Command synergy reporting and analysis for CPG and Front of Store workstreams, totaling $100M in projected synergy savings from Alliance Boots merger-Strategic 3YP buildout and analysis for Owned Brands division-Support merchants with ad hoc analysis and reporting, including database querying and model creation-Business case development for $600M internal investment for BDE initiative. Includes NPV, IRR, DCF modeling and sensitivity analyses

-Prepare monthly financial reports for the Board and Senior Management, including analysis and reporting on variances from prior periods and budget/forecast.-Develop and maintain financial models to be used in preparing budgets and forecasts.-Coordinate the collection and consolidation of information for the preparation of budgets and forecasts.-Assist the department managers in the preparation of their budgets and forecasts and provide data for analyzing variances.-Refine reporting of product line P&L's, including development and monitoring of cost allocations.-Develop pricing models to be used by sales in evaluating and pricing opportunities.-Model business opportunities for management evaluation. Includes NPV, IRR, DCF, ROI.-Provide backup support for monthly accounting close, including revenue analysis and journal entry preparation.-Prepare all corporate bank account reconciliations on a monthly basis.-Assist in calculation of sales commissions.-Assist in the preparation of internal financial reports.-Develop and evaluate KPI metrics to improve business efficiency-Partner with sales and marketing teams as finance representative to evaluate future business decisions and determine feasibility-Special projects as assigned.

• Responsible for financial analysis for balance sheet and P & L for $600MM business, including variance and costing analyses• Worked across multiple departments and divisions to prepare forecasts, consolidations, and budgets for senior management to present to board of directors· Prepare various regulatory filings including the annual/quarterly statutory blanks and audit reports.· Prepare state specific regulatory and premium tax filings· Responsible for the accurate and timely completion of financial statements in accordance with Generally Acceptable Accounting Principles and Statutory Accounting Principles.· Assist with external audits, including workpaper preparation.· Prepare various management reports, including reports for senior management.· Responsible for A/R delinquency monitoring and account discrepancy investigation.· Act as the department liaison for the maintenance and promotion of the claims/billing/commission ACH program.· Maintain fixed asset schedules, including the recording to appropriate depreciation and reconciliation to the general ledger.· Prepare and file state specific unclaimed property in an accurate and timely manner.· Process monthly commission payments· Prepare assigned journal entries in an accurate and timely manner.· Process accounts payable timely and accurately including invoice coding to the proper general ledger account.· Prepare assigned general account reconciliations in an accurate and timely manner.· Demonstrate regular and consistent attendance and punctuality.· Perform other job-related duties as assigned.

Reconciled general ledger accounts for corporate reporting, as well as preparingreports for external auditors· Assisted in month-end close procedures and analyzing accounts receivable· Performed general ledger maintenance with emphasis on entries and queries · Researched and prepared ad hoc reports for senior management· Collaborated with Account Management and Production departments to gather forecastinginformation required by senior management