Leader of the Data & Analytics team for TD US Wealth

Product Manager for the Private Banking and Cash Management businesses for U.S. Wealth. The Private Banking business includes a $4 billion deposit portfolio and a $4 billion lending portfolio (Mortgage, Home Equity, and Custom Credit). The Cash Management business includes $1.8 billion in Money Market fund sweeps and $1.1 billion in deposit sweeps. • Launched the TD Wealth Bank Deposit Sweep Products in Feb 2019 bringing $365 million in deposit balance to TD Bank. These products provide TD Private Client Wealth customers up to $500 thousand in FDIC insurance through an interest-bearing deposit sweep. • Identified an opportunity to covert $700 million in Money Market Funds balance to a TD Bank deposit product through a product pricing strategy that benefited clients while also driving significant revenue to TD Wealth. • Responsible for product pricing on the Deposit Sweep products for TD Wealth. • Manage the exception pricing process for Private Banking deposit accounts. • Responsible for the monthly reporting and analytics on the Private Banking deposit portfolio and Deposit Sweep products. • Provide forecasting guidance on balances and product pricing to the U.S. Wealth Finance team.

Provide Finance support and guidance to the U.S. Wealth business segment with a primary focus on strategic planning and business initiatives, financial modeling, ad hoc analyses, and optimizing business efficiency. • Built the financial model supporting Project Torrey Pines and served as the primary finance lead for the project• Created a financial model that tracks the monthly sales performance of the Wealth Relationship Managers against goals based on their position on the tenure curve• The Relationship Manager financial model produces detailed monthly reporting at the individual and market-level that is used by U.S. Wealth's leadership to evaluate the performance of their Sales staff • Serve as Finance lead on strategic business initiatives and building business cases• Provide leadership and guidance to team of four Financial Analysts to continuously improve the quality of Finance support provided to the Wealth business• Conduct ad hoc analyses aimed at improving business efficiency by generating revenue or lowering expenses• Analyzed the Credit Risk rating methodology being applied to the Wealth collateralized loan portfolio and discovered that TD appeared to be over-reserved on this portfolio. Based on my analysis, a new risk rating methodology was approved and led to a PCL release in excess of $5 million

Provide Finance support and guidance to the Mass Affluent line of business including reporting and analytics, forecasting / budgeting, strategic planning, ad hoc analyses, and monthly-close general ledger journal entries. • Produce Mass Affluent and Strategic Alliance program financial reporting packages and analytics. Prepare commentary detailing business highlights, performance trends, variance analysis, and key metrics. • Create financial models to support Mass Affluent strategic planning, annual revenue and expense budgeting, and forecasting. Present models to the Wealth Executive Management team. • Present financial results and gap analysis on a monthly Mass Affluent interdepartmental team meeting highlighting trends and key business drivers. • Serve as Finance liaison to TD Ameritrade in support of the Strategic Alliance joint venture. Provide financial guidance on strategic initiatives along with developing ways to improve the reporting and analytics.• Represent Finance in Mass Affluent business strategy discussions. Utilize industry benchmarking data to validate modeling assumptions and evaluate current performance of the program. • Earned Q2-14 and Q3-15 Finance WOW! Awards for my work on the Mass Affluent strategy refresh and Project Torrey Pines financial modeling, respectively• Developed an automated method for producing a monthly Private Banking loan and deposit roll-forward which offers an increased level of granularity on causes of inflows and outflows. Resulted in improved transparency which will aid sales management discussions.

Support Corporate Finance business units with portfolio analytics, problem loan management, and other regular and ad hoc reporting requirements on an $11 billion portfolio to meet Federal Reserve Bank guidelines.• Manage monthly loan-level reporting database on the Corporate Finance portfolio while maintaining risk controls and SOX compliance. Database contains all relevant loan balances, risk ratings, and customer information used for CIT’s credit risk reporting and problem loan management. • Produce a quarterly Asset Quality Review deck highlighting statistical trends and providing commentary and analysis on areas of concern within the portfolio. The deck is presented to the CEO, CCO, and CRO.• Complete quarterly portfolio undrawn availability analysis which identifies unused commitments and borrowing capabilities within the portfolio. This analysis is included in CIT’s 10Q, 10K, and FRY-9C public filings.• Instrumental in providing business intelligence and problem solving during the building of the CCRR data warehouse. The CCRR is now used as the primary source of credit risk and problem loan reporting within CIT as well as quarterly reporting to the Federal Reserve Bank. • Promoted to AVP in September 2009 and VP in September 2011.

Performed due diligence exams on potential clients and credit monitoring reviews on existing portfolio of an asset-based lender in the healthcare industry. • Analyzed clients’ financial statements; performed reconciliations between client journal entries and CIT records.• Produced audit reports detailing testing results, analysis, and issues noted.• Discovered a client was diverting money from the CIT lockbox account into a separate bank account which was in breach of their loan agreement. CIT recovered the diverted funds and took steps to regain dominion of cash. • Promoted in September 2006 and 2007 each time leading to additional responsibilities.