Joe Drago Email and Phone Number

Completed program to obtain New York State Teaching certification grades 7-12.

Managed financial relationship with Corporate Technology Application Development and Infrastructure lines of business; including Real Estate, General Services, Global Technology Infrastructure, Business Aligned Infrastructure, Corporate Architecture, and Commercial Banking. Provided monthly technology taxonomy report to senior management and Corporate Management Reporting groups utilizing project tracking tool. Developed Finance training curriculum for CTRBS (Corporate Technology) University and was appointed Dean of the Finance Curriculum by Corporate IT CIO. Partnered with Corporate IT Finance to create and maintain bank wide web-based annual budgeting tool. Worked with senior management to eliminate $20M of ongoing expense from overall corporate technology expenditure. Provided financial expertise and data model to Corporate Sourcing senior management group which negotiated contracts to support a more effective “Right-shoring” resource mix in Asia and Latin America. Assisted in development of standardized monthly management reporting tool. Developed total expense allocation and salary/contractor model utilized by senior management to coherently communicate their business model to internal and external customers.

Responsible for monthly budgeting and forecasting IT expenses for 63 departments across 5 credit card processing sites with an expense base of $90M. Developed monthly reporting process and met on a weekly basis with 8 Senior IT Managers. Created expense reduction process initiatives which saved approx $5M over 5 years. Managed IT consulting engagements and assisted in development of Offshore Outsourcing model. Tracked and reported all Y2K related expenses to corporate analysts. Managed financial accounting process for all IT related expenses for Providian acquisition. Managed and developed staff.

Responsible for tracking and reporting to Senior Management all Chase / Chemical merger-related financial accounting initiatives. Managed $50M Corporate Overhead / Interoffice allocation budget for Card business. Maintained cost center hierarchy and budget transfers for all Chase Card Services departments. Developed multi-site headcount reporting system. Maintained Capacity Planning Hicksville Site Customer Service and Telemarketing controller ($25M expense budget). Developed financial and staffing models for Customer Service call center.

Responsible for spot checking and testing audit procedures for all Card lines of business. Rolled out Customer Service training module to over 1,000 reps. Monitored accuracy of information disseminated by call center reps to external customers. Developed QA reporting tool to track improvements. Reviewed Installment Loan data entry accuracy and recommended process improvements (15% improvement over 6 months)

Sales Coordinator for “Pronto”...Chemical Bank’s Home Banking Service. Developed and supervised Bi-Lingual call center department (Serviceline – 15 Reps).

Managed $250M day to day financial relationship with third party credit card processing company,First Data Resources Corp (now FDC). Provided meaningful monthly and ad hoc budgeting and forecasting analysis to senior management. Processed all financial accounting entries including payment of monthly invoice and accruals. Resolved billing disputes with vendor. Approved pricing for new products and services. Ensured adherence to Service Level Agreements and all amendments to existing contract. Primary interface with internal GAD Auditors. Calculated invoice allocation methodology to Credit Card lines of business. Six Sigma Process core team member and subject matter expert for all expense reduction initiatives. Developed and updated end-to-end user procedures for all invoice payment and accrual processes. Participated in VISA functional cost study benchmarking process. Managed and developed staff.