Richard D. Email & Phone Number

Florida, United States

Miami/Fort Lauderdale Area

Experian Advisory Services Responsible for identifying risk based solutions to integrate predictive data and analytics into business decisions. Work with clients and organizations, from C-level executives to business line management, delivering analysis and recommendations that drive profitable business decisions across the customer life cycle.Provide clients with exceptional strategic credit risk management insight, detailed enhancement opportunities, and deployment strategies, as well as guidance on broader topics and business issues faced by the customer across the account and customer lifecycle. Ensure consistency through deep business subject matter expertise, client familiarity and a proven client engagement methodology. Verticals: retail banking (DDA, mortgage, personal loans), commercial banking, cards (retail/bankcard), automotive, communications, student loans, tax and payroll.✓ Identified customer acquisition, risk, quantitative, modeling, and marketing opportunities for various clients across a broad range of opportunities and verticals.✓ Mitigated losses, increased automated decisioning, promoted portfolio growth, increased speed to market, reduced operational expense, and aligned processes to regulatory expectations.✓ Leveraged a consulting approach for improvement to systems and processes already in place with the customer and worked with internal stakeholders, sales, and analytics teams to enable successful deployment and integration.✓ Worked with cross functional Client and Experian teams to develop strategies, reporting, and monitoring processes to track the value and effectiveness of advanced solutions and capabilities.✓ Lead high-profile initiatives spanning multiple functional areas, including business intelligence, marketing, model development, validation, quantitative analytics, integration, risk and operations.

Provide consulting services to clients of a data technology company regarding cloud services for data backup and risk analytics solutions. ✓ Met with C-level executives regarding Commvault Hyperscale Technology with several Fortune 100 companies including Fannie Mae, Levi Jeans, and IBM. ✓ Acquired multi-year contracts with Fannie Mae ($XMM), IBM ($XMM), and Levi Jeans ($X.XMM) using Commvault and developed implementation strategy and execution.

Southeast Toyota Finance (World Omni Corp)Responsible for oversight of consumer and small business lease and retail originations, as well as portfolio risk for Southeast Toyota Finance. Supported 178 Toyota dealerships in the Southeast and managed over $1.7B in monthly loan originations volume. Led a staff of senior risk and operations analysts. ✓ Developed robust, risk management solutions to monitor credit risk exposure at the time of origination, as well as lease and retail portfolio credit risk. ✓ Acted as a trusted advisor and SME for senior management, executives and key stakeholders on all credit originations risk-related concerns. ✓ Optimized decision engine credit policy rules that increased decision engine automation by 15% year-over-year. ✓ Performed several ad hoc analyses and provided executive leadership team originations strategy recommendations during monthly portfolio performance meetings.✓ Conducted in-depth analysis of credit scorecard cutoff rules and performance data using SAS for retail originations. Enhanced originations credit quality 14% quarter-over-quarter and a decrease in expected lifetime loan loss rates by 1% (4.2% to 3.2%). ✓ Created executive-level dashboards for origination’s performance metrics, as well as fully automated analyst-level dashboards using Tableau and SAS.✓ Responsible for vendor management for risk management and data analytics department including new technologies for fraud detection, data management, and collections. ✓ Project Lead for the implementation of new in-house credit scoring model using SAS software. Attained certification from SAS for completing SAS credit risk scorecard development program. ✓ Ensured the successful deployment of credit strategy changes by utilizing champion/challenger strategies, performing data simulations to assess impact of strategy enhancements, developing effective test plans, and participating in UAT/systems testing.

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Wells Fargo Consumer Lending Directed new business tax analysis teams for Wells Fargo’s personal lines and loans division (PL&L) overseeing a team of 20 senior underwriters and analysts across multiple geographic locations. Actively engaged in high-level portfolio finance and capacity planning, as well as spearheading process and procedural changes around risk management and performance metrics. Led cross-functional teams comprised of business supervisors/managers, learning and development designers, finance analysts, performance reporting analysts, process engineers, and legal and regulatory bodies to drive customization and development of projects. Supported loan application volume in excess of $200MM annually for all locations across the country. * continued below *

* continued from above *Senior Leadership▬▬▬▬▬▬▬▬✓ Project manager on multiple business initiatives including streamlining cash flow procedures and tools for consistency around tax return analysis for portfolio lines of business’ including, consumer credit card, education, and direct auto financing. ✓ Created reporting tools and databases for quality assurance and production metrics and partnered with quality review lending officers to develop and create scoring templates for newly created quality review team for PL&L. ✓ Identified areas of growth and opportunity and sponsored changes by consulting with line of business leaders. ✓ Facilitated organizational change to separate Wells Fargo’s PL&L and consumer credit cards division, including the hiring and training of new tax underwriters and overhaul of current tax policy, procedures, and process flow. ✓ Partnered with metrics and analytics teams to identify and report on outcomes of program pilots and new implementations. ✓ Ensured greater focus on customer feedback received through all customer interactions to drive organizational improvements and optimize the customer experience. ✓ Incorporated a leadership mentorship program within the team which encouraged and promoted team members into leadership roles with Wells Fargo.* continued below *

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* continued from above *Select Accomplishments▬▬▬▬▬▬▬▬▬▬▬▬✓ Increased year-over-year underwriter decision time 152% and application turn time over 110% of goal. ✓ Exceeded and met all quality and performance targets in 2016.✓ Decreased overall quality risk findings 68% year-over-year for the tax return team. ✓ Reduced quarterly portfolio material and missed opportunity targeted review findings to less than 2% in 2016 and within acceptable risk tolerance with the implementation of decision logic tool. ✓ Led project development of “Decision Logic Tool” enabling underwriters to easily analyze and identify targeted credit quality ratios tied to judgmental underwriting. Integrated into enterprise lending software Q3 2016, decreasing losses by over 15%.✓ Oversaw and facilitated transition of the tax review process and subsequent organizational change to separate cross-function groups within all business lines (Direct Auto, Education Financing, Personal Lines & Loans) stemming from LEAN in Q4 2016.✓ Portfolio lead and facilitator of Team Member Engagement & Diversity and Inclusion sessions in 2016. Increased mean Q12 engagement scores year over year from 3.5 to 4.5 out of 5. ✓ Leadership Excellence Award, Q2 2016.

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Wells Fargo Home MortgageManaged a team of underwriters within default decisioning and home preservation for Wells Fargo Home Mortgage, handling the underwriting of home mortgage modifications for high risk investors (HIRU) in several business units including Government Sponsored Enterprises (GSE)/Freddie Mac & Fannie Mae, Community Housing, Mediations, Bankruptcy, Appeals, and the Neighborhood Assistance Corporation of America (NACA). Operations included loan pipeline management, partner management, and ensuring compliance with credit policy and regulatory guidelines. Accountable for a portfolio of over $150MM in loans per month.Select Accomplishments▬▬▬▬▬▬▬▬▬▬▬▬✓ Quality Star Award for achieving 100+ decisions with less than 3% material audit findings, 06/12, 07/12, 08/12, 11/12, 08/14, 12/14, and 01/15.✓ Held highest level of Underwriter Delegation of Authority for mortgages up to $3MM.✓ Achieved servicing level requirement quality audit material finding rate of less than 3% for last 3 years. ✓ Oversaw Home Preservation Application (HPA) tool testing and development to troubleshoot and ensure the accuracy of modifications ran through the tool prior to full release. ✓ Met all key servicing level agreement objectives in production, quality, and SLA in 2012, 2013, and 2014. ✓ Strengthened Gallup’s Q12 team member engagement scores every year. ✓ Project leader for the bank and private portfolio on Service Member Civil Release Act, community housing, employee, Bank of America Principal Forgiveness loans, as well as GSE and HPA tool remediation, and the transfer of GSE backed loans from the bank and private portfolio to GSE portfolio.✓ Team was directly responsible in remediating efforts for the bank, as well as private and GSE portfolio’s reducing the impact of potential regulatory and institutional fines in excess of $10MM.✓ Lending Manager of the Month, 04/12, 06/12, and 10/12.* continued below *

* continued from above *Partner/Investor Relations▬▬▬▬▬▬▬▬▬▬▬▬✓ Collaborated with external and internal partner’s enterprise wide including investors, lending officers, project managers, client service managers, 3rd party vendors, appeals, title, settlement, and specialty teams (Bankruptcy, Mediations, GSE, Community Housing, and NACA). ✓ Bolstered relationships with our high risk investors at Federal Home Loan Bank (FHLB), CalHousing, Hudson City, Charlotte Housing, and Alaska Housing reducing overall repurchase requests.✓ Negotiated and implemented modification guidelines for Hudson City and Charlotte Housing resulting in more sustainable and affordable options for our borrowers while mitigating the loss for the investor. ✓ Spearheaded the creation and implementation of multiple process maps for HIRU investors to provide a more enhanced new hire onboarding experience and to mitigate financial and regulatory risks.

Wells Fargo BankResponsible for daily banking operations for a location with $28MM in deposits and $7MM in loans. Duties encompassed operations, sales, loan processing, cost control, regulatory compliance, employee development, and team building. Emphasis on maximizing banking center revenues and client satisfaction while minimizing operating risks/losses. Hired, trained and managed a staff of 10 Financial Specialists. Products included mortgages, auto, credit card, HELOC, insurance, deposit products, retirement services, etc.✓ Monitored and ensured the accuracy of all loan and underwriting processes. ✓ Mentored and developed staff by integrating effective skill assessments, daily coaching, and regular performance reviews.Select Accomplishments▬▬▬▬▬▬▬▬▬▬▬▬✓ Continuously developed and maintained integrated relationships with a diverse group of business partners, including business bankers, mortgage consultants, underwriters, and financial advisors by improving branch productivity 127% year-over-year. ✓ Achieved #1 in sales in the Appalachian District during annual “Jump Campaign” and ranked 7th out of 50 stores in the Western Carolina region exceeding monthly sales targets by 149%.✓ Exceeded annual goals by 116% through fiscal year 2011 and ranked #3 overall in the Appalachian District, and returned the store to successful and sound operating principles with regard to regulatory compliance and policy requirements.

Wells Fargo Financial Managed a team of sales and loan processing analysts promoting and delivering loan products including personal loans, credit cards, and mortgages. Responsibilities included sales, underwriting, sales training, compliance, and administration.Select Accomplishments▬▬▬▬▬▬▬▬▬▬▬▬✓ Trained team members on debt restructuring, qualifying customers, and ensured accuracy of all loan documentation. ✓ #1 in the region in mortgage sales and #1 in credit card sales during tenure. ✓ Underwrote more than $3MM in Q1 2009