Fraud Risk, Second Line of Defense

Head of Card Portfolio Fraud Risk Management

Leadership of the Credit Review team for Chase credit card and business banking products.

Responsible for driving sales and growth for Decision Analytics capabilities (consulting, sciences, software, and fraud tools).

Providing analytic and strategy consulting on behalf of Experian's Global Consulting Practice. Bringing a partnership to our clients based on nearly 18 years experience leading analytic teams in the financial services industry.

Managed the group responsible for all Risk Management policies for the Chase branded rewards segment ($35B+ in outstandings) ('07-'10). Management of Risk policies for the Bank's Affluent/High-Net-Worth flagship products ('10-'12). Ownership of Risk policies for the Bank's T&E portfolio (as of 10/2012).

Managed group responsible for portfolio risk strategies: credit line management – both credit line increase and credit line decrease; Payment controls; Overlimit Collections; Portfolio Marketing credit qualification and targeting; Risk inputs to pricing policy; Risk liaison with Collections. Oversaw the successful conversion from FDR to TSYS for policies under my control, including best practices and strategy redevelopment across the heritage Bank One and Chase portfolios. Significant… Show more Managed group responsible for portfolio risk strategies: credit line management – both credit line increase and credit line decrease; Payment controls; Overlimit Collections; Portfolio Marketing credit qualification and targeting; Risk inputs to pricing policy; Risk liaison with Collections. Oversaw the successful conversion from FDR to TSYS for policies under my control, including best practices and strategy redevelopment across the heritage Bank One and Chase portfolios. Significant interaction across the business, with external vendors, and with regulatory colleagues (OCC) Show less

Managed Cross-Marketing analysis group responsible for developing strategies in close coordination with Product Managers, Legal, Scoring, and Finance. Coordinated enhancements to inbound cross sell optimization, including methodology improvements and transition from SAS-based to MarketSwitch platform. Managed redesign of numerous cross-sell strategies including direct mail for fee-service products; debt deferment refund policy; outbound telemarketing lead allocation; enhancement of financial… Show more Managed Cross-Marketing analysis group responsible for developing strategies in close coordination with Product Managers, Legal, Scoring, and Finance. Coordinated enhancements to inbound cross sell optimization, including methodology improvements and transition from SAS-based to MarketSwitch platform. Managed redesign of numerous cross-sell strategies including direct mail for fee-service products; debt deferment refund policy; outbound telemarketing lead allocation; enhancement of financial inputs to targeting strategies Show less

Managed group responsible for developing underwriting policies and methodologies. Supervised the creation of a profit-based approve/decline policy. Directed the complete redesign of Bank One’s new account credit line assignment policy, leading to significant improvements in performance due to focus on profitability tradeoffs from line assignment

Managed analytical group responsible for analyzing and setting collections policies. Coordinated risk-based incentive structure with call centers, yielding improvements in roll rates and losses. Developed and implemented risk-based outbound call strategies, integrated with customer treatment programs

Designed the bank’s first line decrease policy, including model building and programming for implementationDesigned and analyzed tests to determine optimal actions to be taken on high-risk accounts. Policy development for: account reissue strategies; proactive closure of high-risk inactive accounts, point-of-sale expansion for low-risk high transacting accounts; application fraud modeling

3 consecutive summer engineering internships with Astro Valcour Inc. Designed and analyzed experiments to aid in process research and development. Implemented Statistical Process Control on the production line. Supervised additional intern in data-collection used for process capability analysis