Review and action Operational Risk events as they occur. Determine root cause, identify control gaps, facilitate reviews, present findings / solutions.

Risk Assessor responsible for New Business Initiatives for Card, Retail, and Merchant Services (CRMS).

Responsible for reviewing and tracking Operational Risk Events for Commercial and Investment Banking.

Manage New Business Initiative Approval (NBIA) risk assessment lifecycle for Merchant Services & Digital• Ensure the end to end NBIA Lifecycle aligns with the regulatory requirements outlined by the firm wide policy and Office of Comptroller of the Currency (OCC) • Manage Product and Services Reviews for all sub-LOBs • Extensive experience leading initiatives and influencing cross-functional teams across multiple LOB’s• Interact with Business Control Officers, Senior Business Sponsors, and Managing Directors providing decision oriented analysis and recommendations • Provide the framework for Post Implementation Reviewers (PIRs) examining both quantitative and qualitative results • Proven ability to manage the execution of multiple concurrent work streams or programs. Completed 14 initiatives in 2017• Maintain effective reporting standards consistent with risk governance protocols and escalation to appropriate committees• Perform quality reviews on risk assessments ensuring documentation was complete, comprehensive and easily understood

Responsible for the creation of a new Underwriting Call Center, Interim Site Leader, and Operations Project Lead.Operations Project Lead (2015-2016)• Authored all operational procedures for a new origination platform• Partnered with Risk, Compliance, and Legal to ensure all gaps were mitigated• Partnered with Risk & IT to develop & administer test plansOperations Manager / Credit Manager (2011-2015) • Launched, hired, trained, and coached all new employees, and performed monthly and annual reviews. • Managed staffing within a call center environment with strict focus on reducing call times while providing exceptional customer service. Exceeded service level expectations by 14% on average.• Managed risk, quality control and call monitoring performance to exceed 98% for all areas.• Enhanced processes that resulted in successfully achieving year over year production increase of 21%.• Partnered with Corporate Control Officers & auditors to close identified gaps through risk & control assessment. • Selected as the 1st Direct Auto Representative for the newly established internal Finance Management Advisory Board.

Managed 3 separate teams of Underwriters, Fraud Analysts and Operations responsible for reviewing daily loan applications received from across the US. Managed monthly production and quality targets while maintaining strict adherence to service levels and call volume. Partnered with Risk & Legal to identify best practices on federal/industry standards & compliance. • Significantly reduced fraud losses by facilitating monthly risk discussions relating to fraud trends; implemented fraud prevention measures, and assisted in the development of preventative reporting.• Facilitated ongoing best practices and new product offering training sessions.• Developed/implemented work processes and procedures that improved quality and decision consistency year over year.• Implemented multiple quality review programs focused on product specific decisions. • Liaison between the Operation departments system requirements and corporate IT in the writing/development of system test plans. Administered testing of the system design enhancements.

Successfully designed, launched and cultivated a new private business. Developed capacity plans, established budgets, facilitated marketing efforts, secured financing and managed all financial aspects. • Increased enrollment by 400% in the first four years of existence.

Directed a competent team of 75 employees performing >10 different processes while ensuring smooth day-to-day departmental activities.Administered process enhancements to reduce errors in multiple business functions.Partnered with Senior Sales Managers to build solid relationships between Operations and Sales.Effectively managed staffing plans, volume projections and P&L's for my areas of responsibility. Partnered with other senior managers to implement new process flows.Partnered with Technology teams to develop enhanced tracking and reporting to improve performance and quality *Improved department productivity & employee morale.

Managed an office that included as many as 25 operations employees producing loans in excess of $50 million monthly.Increased center productivity by 46% year over year.Improved underwriting quality by 15%, averaging 96.5% monthly.Liaison for both the internal and external sales teams in the absence of a sales manager.Implemented a new operations process flow focusing on customer service and reducing the number manual touches.Improved employee morale and empowered employees to make independent decisions.Implemented an operations employee compensation plan to remain competitive within the industry.Interacted regularly with Executive Team regarding various company policies, procedures and future changes.Participated in a weekly Tactical Review meeting chaired by the company President.

Trade Manager, Carmel, IN (2002 – 2004) Executed monthly loan sale of > $150MM while managing and maintaining underwriting financial standards.Assisted in the management of warehouse lines executing appropriate techniques to minimize loss.Initiated the elimination of non-performing and scratch and dent loans and performed needed analysis to evaluate risk factors.Developed/sustained solid ongoing relationships with investors in effort to improve corporate dealings.Interacted on a bi-monthly basis with the Chairman and Executive Team to discuss loan losses and cash reserves outstanding.Underwriting Manager, Carmel, IN (2000 – 2002)Managed a group of 13 Underwriters focused on Conforming, Alt-A, and non-conforming loans while ensuring exceptional loan and compliance quality on a daily basis.Partnered with Regional Sales Managers to efficiently address appeals, service enhancements and training opportunities.

*Managed a group of 8 Underwriters*Ensured compliance to company and legal guidelines*Recognized as top producing Underwriter based on Volume and Quality