Provide alternative Lending Strategies to small businesses.Business Consulting• Meet with business owners and their management team to review businesso Review financial, administrative, and management risko Perform financial analysis and projectionso Review functional areas with emphasis on building effective mechanisms and processes to achieve a streamlined and efficient businesso Provide objective and comprehensive analysis of the business to give an unbiased view of its strengths and weaknesseso Prepare unabridged report after full financial evaluation by identifying problematic or weak areas and proposing goal-specific solutions as necessary, such as: Tax strategy / planning Management and team members Business financing Turnaround consulting, exit strategies and workout plans Operational or financial business restructure• Implement virtual CFO that includes:o Accounting Software enhancements (automatic API billing to accounting software)o Legal and accounting serviceso Management• Design and write proposals and agreements (financing, factoring, operational, professional contracts)• Interface with attorneys, accountants and auditorsBusiness Financing• Assist small businesses strengthen their business borrowing power and help meet urgent financial needs by developing a financial strategy that will help position the business for more conventional funding options.• Small Business Financing strategies, including, but not limited to:o Business loanso Subprime SBA loans & LOCo Invoice Factoringo Merchant Processingo Real Estate Development capitalCollectionsAssist lenders and investors collect outstanding balances by refinancing existing debt.Merchant cash advances are an incredible resource for merchants who need capital fast. Unfortunately, due to lack of education, the industry is riddled with merchants who fail to make payments.Our preferred method is refinancing; however, we are also workout specialists and mediators.

Small Business Consultant - Financial Strategies, Business Coach

Regulatory / Legal / Compliance• Actively participated in identifying, analyzing, and planning project scope and final deliverablesOrigination / Sales – Equity Derivatives Structured Products• Senior Structured Products Originator responsible for coverage of private bank, retail, institutional, and private clients through our SEC registered platform, DIP (Debt Issuance Platform), Reg S, Private Placements 144a and 3(a)(2)• Oversee the preparation of all pricing and settlement documents for all platforms (SEC, DIP, Reg S, 3(a)(2), 144a)• Developed pricing tools for equity structured products (auto-callables, issuer-callables, best/worst-of structures, complex hybrid structures, vol swaps, etc.)• Provided backtesting and implementation of DB prop indices: Short Vol Strategy, Risk Factor Solutions, and others• Worked with legal on re-filing our SEC registered shelf every three years, which includes AAL, KPMG Comfort Letters, Issuer MSDAs with distributors• Led sensitive Capital Markets negotiations under strict privacy• Analyzed legal regulations and implementation deadlineso FATCA, TLAC and other regulations• Analyzed and maintained up-to-date with changes in tax regulations• Assessed implications and provided guidance on issuance through U.S. Holding Company• Established our Canadian shelf, DIP and 3(a)(2) programsFinancing Strategies & DB Capital• Onboarding specialist: established aggressive alternatives to raising capital as needed:Effectively negotiated with various major distributors as part of onboarding• Negotiated funding rates with Treasury and sought alternative third-party placement vehicles• Worked directly with our Treasury in setting goals and guidelines for raising capital in the coming yearRelationships• Networked, sought and established new relationships• Project Management:o Spearheaded NPAs (new product approval)o MSDAs, KYDs, Agent Accession Letter and other required documentation for new and existing distributors

Equity Structured Products, New York, NY – Director• Priced and structured equity-, commodity-, and foreign exchange-linked securities for sale through various Citigroup retail distribution channels and regional broker/dealers• Coordinated effort to sell various products through Latin America• Structured off-shore entities for principal protected notes• Priced and negotiated contracts with agents, insurers and lawyers• Reviewed SEC registered, Reg S, 144A, and other documents (including documents in Spanish)• Instructed and advised the Retail Distribution Committee, internal and external legal teams, tax department, DTC, Euroclear, exchanges, and InterActive Data• Held meetings and conferences to market our products.Equity Derivatives - Trader• Traded Japanese index and stock derivatives, including plain vanilla, call/put spreads, collars, strangles, barriers, quanto, and Asian options. • Traded Canadian, Euro, and Japan foreign currency positions as necessary to rebalance our foreign currency portfolio• Jointly traded the single stock book portfolio by providing OTC prices on different types of options, swaps, and forward agreements to Private Bank, investment companies, trusts, and other Citibank legal entities. Maintain our balance sheet by trading stock equity swaps. Manage delta, vega, and interest rate sensitivities by trading stock, exchange-traded, OTCs, Eurodollar futures, and interest rate swaps• Maintained borrowed stock inventory to cover our short stock positionsEquity Derivatives Research & DevelopmentRisk Management System• Established requirements for estimating delta, rho, and vega risks• Proposed building an internal risk management system• Actively participated in the programming and coding of the risk management system using C+ language