James Breeden Email and Phone Number

• Lead team responsible for delivering Quarterly Board of Director presentations for CEO and CFO• Lead team responsible for delivering Financial information for Earnings Releases• Lead team responsible for leading Quarterly Forecast process for the Corporation• Responsible for providing various adhoc analysis for CEO and CFO• Significantly improved monthly and quarterly variance analysis to ensure Senior Management clearly understood the significant drivers

• Led team responsible for delivering Quarterly Board of Director presentations for CEO and CFO• Led team responsible for delivering Financial information for Earnings Releases• Led team responsible for leading Quarterly Forecast process for the Corporation• Responsible for providing various adhoc analysis for CEO and CEO• Significantly improved monthly and quarterly variance analysis to ensure Senior Management clearly understood the significant drivers• Consulted with various clients on business and tax topics.• Developed and administered new payroll system for start-up organization.• Developed process for calculating Payroll and Mixed Beverage Taxes for start-up organization.• Developed daily forecasting and cash flow model for start-up organization.

• Led the development of new organization to support transformation and productivity reporting for the Operations and Technology organization for the Global Consumer Bank.• Directed Transformation Reporting team of 7 analysts.• Developed stand-alone database environment in order to track and report all Transformation initiatives across the Operations and Technology organization.• Developed and coordinated monthly process to collect and report on Transformation initiatives between Operations and Technology groups and Finance.

• Directed Finance organization consisting of approximately 60 finance professionals in support of the North American Collections organization.• Led budgeting, forecasting and analysis for NCL, Capacity Planning and Operating Expenses for North American Collections supporting Credit Cards, Real Estate, Auto, Student Loans and Retail Banking.• Streamlined multiple processes to develop comprehensive reporting for the North American Collections organization consisting of $20+B in NCL and $1.2B in Operating Expenses.• Led specific initiatives and implemented new models to improve forecast accuracy and variance transparency.• Led the development of a stand-alone database to store key metrics for the Collections organization.• Led Capital Budgeting process for Global Functions (Collections, Customer Service, Fraud, Credit, Back-Office Operations and Transaction Services)

• Supported multiple business units within UnitedHealth Group; Optum, Definity Health and Spectera UnitedHealthcare Dental.• Recruited to lead turnaround effort for the Finance and Accounting organization by creating enhanced vision, structure and processes to increase transparency of forecasting and month-end processes.• Developed comprehensive reporting process for revenues and expenses and presented to Senior Executives on a monthly basis.• Developed new revenue forecasting methodologies, resulting in increased Senior Executive awareness of variances on a monthly basis, as well as increasing forecasting accuracy.• Reengineered pricing process and models to ensure appropriate profit margins while maintaining competitive market-based pricing.• Developed process to integrate current Activity Based Costs into pricing models on an on-going basis to ensure pricing was relevant to current cost activity.• Developed Sales reporting process to ensure current sales and probable sales were synchronized with the revenue forecast.

• Developed comprehensive reporting process for Collections and Recovery business units by incorporating key metric measurements linking key revenue drivers to expenses.• Directed the development of unit cost analysis by delinquency bucket for Collections in order to manage cost infrastructure. Additionally, incorporated in pricing models to determine optimum price points for purchased portfolios and outsourcing agreements.• Managed operational capacity plans to ensure that operational and financial objectives were synchronized.• Completely rewrote the revenue forecast model for the Recovery business. Implemented bottoms-up forecasting approach in order to support detailed variance analysis of revenues on a monthly basis.• Developed monthly P&L statements for Recovery business unit (magnUS) in support of setting up magnUS as a stand-alone business unit.• Developed and managed P&Ls on a client basis to support business growth and measure profitability projections.

• Developed weekly and monthly revenue forecasting tools, utilizing key business drivers, to ensure Senior Management had the appropriate information required to impact monthly sales results.• Developed comprehensive MIS reporting process to gauge key business drivers to drive performance of sales personnel.• Quickly identified errors in revenue reporting process. Rewrote existing database programs, with no prior experience, to accurately reflect revenue across sales organization in business unit.• Developed bottoms up forecasting approach to accurately forecast revenue across the sales regions.

• Developed infrastructure to support monthly expense reporting as the division grew from $30MM in expenses to $142MM. This entailed creating automated PC models to accommodate accruals through the reporting of financial results.• Developed Activity Based Unit Cost Model for technology division. This encompassed the division of $142MM in expenses over multiple activities in order to obtain specific activity unit costs for service delivery. • Developed comprehensive financial models to monitor telecommunication expenses. Models utilized to monitor telecommunication rates and call duration in order to identify potential problems with network equipment before significant financial impact resulted.