Create winning marketing and product development strategies for leading companies, including Aon, a global leader in insurance and risk management, and Western Union, a global leader in money transfer.

• Direct the marketing strategy of the Balance Transfer and Cash Access line businesses, and delivered over $16 Billion in volume and over $200 Million in fees, while meeting yield and charge-off targets. Redesigned products and improved offer clarity, relevancy and customer experience.• Led cross-functional Pricing Committee to manage yield and receivable performance by business segment to meet portfolio targets. Created visibility on portfolio performance and actions required.• Expanded cash access ATM acceptance by 58%.• Improved Balance Transfer yield resulting in over $75 Million of incremental finance charge revenue by refining offer strategy to unprofitable segments. Drove record volume on the web through channel expansion strategy.• Partner with Risk to expand credit lines and marketing eligibility criteria to profitably generate incremental volume. • Managed high-performing team of 35 marketing and finance professionals.

• Directed the marketing strategy of fee based products, including credit insurance, debt deferment, identity theft protection, card registration, and traditional insurance programs. Delivered profit before tax of over $250 Million. Grew profit by $140 million since 1997, exceeding plan targets.• Redefined and launched core fee products and improved competitiveness, response and retention.• Directed new product development and launched the debt deferment, identity theft protection and home warranty products.• Led the development of Protection card features to improve brand relevancy and distinctiveness. Used mind modeling research techniques to inform direction.• Received best in class rating for acquisition, retention, and vendor management practices in 2005 industry benchmarking study.• Developed fee based product strategy for international expansion in the United Kingdom. .• Created insurance agencies and agent licensing strategy.

• Grew fee based product revenue dramatically from $26 million in 1993 to $145 million in 1997. Growth achieved by identifying new strategic partner, restructuring financial deal, broadening existing product features, modifying pricing strategy, launching new products, and investing in data modeling, new channel development, and retention strategies. Built out staff from 2 employees to an integrated team of 15.• Received Corporate Team Achievement Award for outstanding departmental achievement in 1995.• Grew refund anticipation loan product from a break even business to $10.6 million in profit before tax. Negotiated key contract to dramatically grow loan volume after six years of unsuccessful negotiations.• Developed strategic alliances to increase speed to market by leveraging external product and service expertise with in house marketing competency.

• Developed strategic plan to increase market share through focused effort on new markets. • Created programs to develop a positive image with the youth market. Developed and implemented the Discover Card Youth Program which reaches over 3 million students through a national scholarship program, in school financial education, and community service contests. Managed public relations media coverage and event planning.• Enhanced the Discover Card Stars On Ice skating sponsorship by adding a philanthropic component, national advertising support, and incentives to purchase tickets with Discover Card to create a stronger image and greater awareness for the tour and the brand.

• Managed the accelerated development and implementation of marketing systems to achieve perceived parity in the industry and support the national launch of the Discover Card brand. • Responsible for a staff of 10, budget planning and administration, vendor selection, make or buy decisions, and functional systems design and development.• Developed and implemented a marketing database to enable offer targeting and solicitation history tracking.