Business Finance Manager for Merrill Lynch Wealth Management products, supporting credit cards, money funds, brokerage accounts, and Merrill Lynch Bankers totaling over $150MM in revenue and $88MM in expense.♦ Developed strategic based forecasts, budgets and long range plans for retail banking products as well as managed monthly and quarterly financial reporting responsibilities.♦ Strategic partner to business leaders in many areas of the firm, providing guidance on financial issues with the P&L, Balance Sheet, new product launches, monthly reporting and projects. ♦ Collaborated with product development team to create and develop financial models and business cases used to strategize and decision make pre-launch of the following products: ultra high net worth credit card, deposit, card and loan benefits/rewards program, brokerage enhancements and fee waivers. Post launch design and set up of monthly reporting. ♦ Developed new methodologies for the allocation of $88MM in direct expenses and coordinated the indirect expense allocation update, redistributing over $30MM in expense outside of the business.♦ Integrated Merrill Lynch to Bank of America’s financial processes and SAP general ledger.♦ Team lead responsible for the financial migration project of $3B in credit card loans and $400MM in revenue and subsequently feeding all revenue components into branch office profitability.♦ Developed and designed market level sales score card reporting for Merrill Lynch Bankers, which concisely presented loan, deposit, flow and revenue information for divisional executive use.♦ Created analysis for quarterly enterprise level stress testing for Money Funds, ensuring adaptation to various changes in market conditions.♦ Performed in-depth financial analysis of Durbin Amendment impacts on $7.5B in retail card spend and $88MM in revenue. Predicted client behavior and created sensitivities of migration from debit to credit card.

Business Finance/Accounting Manager for Private Client Banking Solutions products, supporting Marketing, CD’s, debit cards, small business credit cards and brokerage accounts.♦ Managed P&L and Balance Sheet closes for legal entity and management reporting, in addition to planning/forecasting cycles for PCBS products.♦ Developed Sarbanes-Oxley (SOX) workflows, key financial controls and procedures to ensure strict regulatory reporting requirements were met. Conducted walk-thru with internal/external audit to ensure compliance.♦ Worked closely with business leaders to develop economic models for launch and implementation of premium rate CD offering, small business credit card and banking type brokerage account.♦ Partnered with the Marketing Group to develop key methodologies to ensure accurate allocation of expenses between businesses.

Business Finance/Accounting Manager for Business Financial Services products, supporting 3 legal entities for business lending, .com investments and community development loans. ♦ Oversaw management and legal entity P&L and Balance Sheet closes as well as reporting requirements.♦ Developed and implemented budget and forecast models as well as prepared presentations for quarterly and annual reviews. ♦ Prepared financial statements, cash flows and footnotes for the annual audits as well as delivered financial presentations to the Board of Directors. ♦ Interim CFO for legal entity Merrill Lynch Community Development Company, LLC, a community development loan company.♦ Prepared and filed quarterly Consolidated Reports of Condition and Income (Call Reports) for legal entities.

♦ Coordinated and prepared departmental budget and graphical package for presentation to Executive Management, enhanced and improved the monthly reporting package presentation, ensured revenue and expense methodologies were current and accurate, and prepared financial statements and footnotes for the legal entity annual audit.

♦ Prepared legal and management cost center level detail budget for P&L and Balance Sheet, reviewed monthly revenue and expense and reported on variances to budget, prepared weekly estimates, monthly journal entries, revenue and production credit schedules, and prepared District Product Profitability Reporting for Sales Management.

♦ Analyzed and closed legal entity P&L and Balance Sheet books, prepared Call Reports, reconciled accounts, completed legal entity state filings for U.S., and developed procedures for un-reconciled accounts.

♦ Reported weekly internal errors and general ledger exposure, wrote and developed procedures, and worked closely with management to automate and create efficiencies within the general ledger system.