David Moskowitz, Cfa, Cpa, Mba, Ms, Rp, Sphr, Shrm-Scp Email and Phone Number

Took control of a multi-millions dollar complex that had just $300 cash on the balance sheet while needing $500k in repairs. Replaced management, restructured balance sheet, & used extensive analysis to prioritize property investments.• Transformed deteriorating financial and operating performance in collaboration with board of directors• Built cash on hand over 100x to address future funding needs, including emergencies• Oversee all financial, strategic, and operational planning, reporting, forecasting, HR, payroll

Managed the show career of Oscar the Grouch, best friend and first show dog. Oscar achieved his AKC Grand Championship & Canine Good Citizen award. Oscar was a Top Ranked Dog within the Greater Swiss Mountain dog breed. He has been featured in major publications including the front page of the WSJ, the NY Post, Bloomberg, Crain’s, MarketWatch.com, and IBD. Oscar is also a TV star, appearing on NBC/USA’s “Best in Snow,” and the WPIX’s morning show in NYC. Oscar has >100K followers on Social Media.Oscar currently has over 102,000 facebook fans and can be followed at: http://www.facebook.com/OscarTheGrouchDog

Elected town commissioner on a five person council in order to provide additional turnaround expertise, following a period of lax internal controls and oversight that resulted in over $400k of investigations and multiple lawsuits. • Build city policy, pass ordinances & resolutions, manage taxation, and supervise the town manager.• Review financial statements, approve budgets, oversee spending, and monitor compliance with regulations.• Got stalled flooding infrastructure projects on track and monitored progress to completion. Recommend new projects for consideration.• Serve as Commissioner-Liaison to both the Audit and Investment Committees.

Built out an investment policy and worked with new Investment Manager to formulate investment allocations for town portfolio of ~$5MM after prior mismanagement.• Oversaw the town’s investments and policies to ensure adherence to stated mission and strategies.• Provided guidance to the town council on investment policy and investment manager selection.The Investment Committee helped the town make almost $500,000 in the past 3 years or 10.2x Dewey Beach’s projected 2019 Net Income while investing very conservatively per the wishes of the Commissioners. The three-year total return for the Beach Long Term fund was 12.2 percent (net of fees, total return for the past three years, as of 8/31/2018).

Provide risk management expertise for portfolio of $144.4B in assets. Oversaw successful implementation of key analytics platforms and other risk initiatives that are regulatory priorities.• Recommend financial strategies that achieve the Bank’s targeted financial returns and acceptable risk allowance. • Evaluate and review risks, processes, and control measures, including VAR and duration measures. • Monitor balance sheet and income statement sensitivities to changes in rates, volatility, leverage, & asset/liability spreads.• Respond to high priority regulatory matters in a timely and efficient manner (MRAs - matters requiring attention). • Build regulatory and management reporting in response to identified risks by ALM Committee.• Support production of Dodd-Frank Act Stress Testing in conjunction with Federal Reserve Board requirements.• Implemented the PolyPaths financial system, Andrew Davidson CMBS Model, and SOFR transition from LIBOR satisfying both internal stakeholders and external regulators. • Developed comprehensive Board and Senior Leadership presentations on complex banking topics using Excel, PowerPoint, Word, & Visio.• Foster teamwork and a positive work environment as a member of the Bank’s Inclusion and Wellness Committees and organizing my department’s team-building activities.

Provided leadership on key initiatives such as vendor review and selection, Analytics & Technology systems implementation, and built out critical analytics using Relative Value analysis and Loss Modeling.• Analyzed and researched portfolios, and offered securities purchases and trade suggestions for trading desk of $400B portfolio, including structured asset-backed securities (RMBS/CMBS/ABS/CLOs).• Produced cash flow forecasting, duration/risk, agency prepayment, stress testing, yield/spread/oas, and OTTI.• Analyzed 10Q for trading, portfolio, research, books & records, financial reporting, and risk management needs. • Supported the CCAR process, forecasting cash flows, & valuations under both base and stress scenarios. • Validated models through backtesting, benchmarking, & sensitivity analysis; determined appropriate models for analytical purposes and calibrated models.• Provided risk assessments and evaluated balance sheet characteristics of portfolios; Audited large data sets to ensure proper use of data (Bloomberg, Intex, Trepp) and models (Andrew Davidson, AFT, Corelogic). • Published commentary that was used extensively in Relative Value Analysis by Trading Desk & CIOs.• Implemented PolyPaths as part of the Investment Information Initiative (III) and was acknowledged by the CEO.

Key consulting role handling half of all revenue for the business. Partnered with buy-side and sell-side clients (portfolio/risk managers, traders) to provide portfolio analytics, analysis, and risk mitigation (via hedging).• Supported firm’s largest clients using FactSet products through extensive training and ongoing collaboration. • Ensured execution of product enhancements requested by clients; conducted workshops and client presentations on various fixed income products.• Supported business development efforts through creation of marketing materials for strategic accounts.• Reputation as internal expert on Fixed Income products; trained new and existing team members through creation of internal support documents and presentations.• Assisted and implemented the development of a project plan and training manual for offshore quality assurance operations in India.

Handled web page development and daily operations of nine jointly developed websites.Designed and sold travel to various market segments through innovative advertising. Featured in the Wall Street Journal and won award for most new customers acquired for onetravel.com in 2002.

Interned with rotations in personnel, labor relations, and safety in a manufacturing environment working to turn-around the factory. Handled the hiring, attendance, discipline, and terminations of 3,000 hourly employees. Helped with Peoplesoft integration. Assisted with disability placements, the FMLA process, insurance fraud investigations, and union contract negotiations.