At Terms.Tech, I've been charged with the ambitious task of transitioning a promising, complex start-up into a scale-up success.I work with a talented team of sales executives, operations experts, low-code developers and product professionals working remotely from across Europe.I am responsible for the overall vision and strategy of the product, the budget and the achievement of our KPI.

Charged with the development of growth strategies at a rapidly expanding local business, I helped boost sales and improve operations of this promising retail business.

At TD Bank, I created and managed credit card risk policy and product requirements for a high value new partnership from concept to launch. I assessed consumer behaviors and extrapolated trends from this data to create a risk-revenue model based on card usage. Additionally, I searched for red flags indicating potential risk for internal stakeholders, shareholders and government regulators.

During my 8 years at PayPal, I helped companies drive down losses from fraudsters and abusive customers, while ensuring that good customers enjoyed a safe and positive user experience. As the risk lead to the business development team, I consulted with the teams at our top customers, including Google, Microsoft, Apple and others to ensure customer satisfaction with our ongoing risk controls and new product initiatives.Originally hired to manage 12 functional reports on premium SMB… Show more During my 8 years at PayPal, I helped companies drive down losses from fraudsters and abusive customers, while ensuring that good customers enjoyed a safe and positive user experience. As the risk lead to the business development team, I consulted with the teams at our top customers, including Google, Microsoft, Apple and others to ensure customer satisfaction with our ongoing risk controls and new product initiatives.Originally hired to manage 12 functional reports on premium SMB payments product onboarding strategy with multibillion-dollar payment volume, I was later promoted to lead global data source analysis and develop related strategies and best practices for On-eBay (Marketplace) Payments. I was promoted again in 2012 to join 12-member leadership team supporting PayPal’s overall objective to align growth plans with top merchant customers across EMEA, APAC, LATAM and North America.ANALYTICS & STRATEGY DEVELOPMENT | PORFTOLIO & RISK MANAGEMENTActivities included merchant reporting and solutions, root cause investigations, fraud mitigation, and custom and adaptive scaling. Increased application approval rates while decreasing loss rates; drove down loss on client’s multibillion-dollar global launch; helped retain multimillion-dollar volume as part of escalation taskforce resolving spike in enterprise merchant’s payment declinations; and prevented millions in fraud loss to enable a competitive reimbursement program. STRATEGIC PARTNERSHIP EXPANSION | BUSINESS PLAN DEVELOPMENT & GROWTH SUPPORTWork spanned contract negotiations, growth of wallet share, global expansion and service point of contact. Highlights involved supporting Tier 1 co-branded launches for tech customers in 2014; serving on contract negotiation team involving commitments that more than doubled wallet share; working intimately with key partners on multiple product initiatives; and forecasting and launching custom payment optimization strategies for customers. Show less

During my time at HSBC, I maintained extensive suite of oversight reporting and loss forecasts to keep senior executives informed of portfolio performance and ensure compliance with regulatory requirements. Generated monthly time series loss forecasts for multibillion-dollar credit card portfolio; published and presented business trends to senior management and chief credit officer of multibillion-dollar business line, ensuring regulatory reporting and controls; and developed… Show more During my time at HSBC, I maintained extensive suite of oversight reporting and loss forecasts to keep senior executives informed of portfolio performance and ensure compliance with regulatory requirements. Generated monthly time series loss forecasts for multibillion-dollar credit card portfolio; published and presented business trends to senior management and chief credit officer of multibillion-dollar business line, ensuring regulatory reporting and controls; and developed performance evaluation tools and automated processes, while introducing internal planning and communication techniques. Show less

I was grateful to be selected for a highly competitive business analyst development program, rotating through the strategy departments of 13 business areas over 4 months. Over the course of my tenure, I received broad exposure to credit underwriting and fraud management strategy and service principles.